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Self-directed investing accounts for TFSA, RRSP, FHSA and non-registered investing, compared on trading fees and current sign-up offers. 4 of the 6 charge $0 per stock and ETF trade: Questrade, Wealthsimple, Qtrade Direct Investing, BMO InvestorLine.
| Brokerage | Welcome offer | Extra cash back | Stock trades | ETF trades | Fractional | Crypto | |
|---|---|---|---|---|---|---|---|
Questrade rated 4.8/5 | $50 bonus when you fund any account with $250+ OR $10,000 managed free for 1 year with QWP account ($250 min). | — | $0 | $0 | ✓ | — | Open → |
Wealthsimple rated 4.8/5 | $25 bonus when you sign up and fund at least $1 | — | $0 | $0 | ✓ | ✓ | Open → |
Qtrade Direct Investing rated 4.7/5 | New clients only: Earn up to $5,000 in cashback (+$100 quick-pay bonus) | +$80 | $0 | $0 | — | — | Open → |
moomoo rated 4.5/5 | — | +$120 | US (US$0.0099/share, min. US$1.99/trade), Canada (C$0.0149/share, min. C$1.49/order) | US (US$0.0099/share, min. US$1.99/trade), Canada (C$0.0149/share, min. C$1.49/order) | — | — | Open → |
BMO InvestorLine rated 4/5 | Get up to $20,000 cash back – plus a chance to win $300,000. | — | $0 | $0 | — | — | Open → |
Scotia iTRADE rated 4/5 | — | — | $9.99 ($4.99 for 150+ trades/quarter*) | $9.99 ($4.99 for 150+ trades/quarter*) | — | — | Open → |
Trading fees. With $0 commissions now common, the fee that matters is often currency conversion — buying a US stock in a CAD account usually costs about 1.5%–2% each way. Ask whether the broker offers USD accounts or Norbert's gambit before you buy US shares.
Sign-up offers. Most of the big "up to" amounts are a percentage of what you transfer in, paid only on very large deposits. The extra cash back in the table (Qtrade Direct Investing $80, moomoo $120) is paid by FinlyWealth when you open and fund an account through our link — check the conditions on their page.
Account types. Fill your TFSA and FHSA room first if you have it; growth in both is tax-free. Our calculators can help you plan the rest.
Offer data from FinlyWealth, updated 2026-11-08. Fees and offers change often — confirm the current terms on the brokerage's site before you open an account. Investing involves risk, including loss of principal. crediteasy.ca is independent and does not provide financial or investment advice.