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Brokerage investment savings accounts
October 29, 2025
7:07 am
Norman1
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I think Questrade does charge for brokerage ISA trades. I didn't find any exceptions for their $9.95 commission on mutual fund transactions.

October 30, 2025
10:51 pm
Norman1
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National Bank, Royal Bank, and TD Bank lowered their rate since last update:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 2.20% 👁
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 2.15% 👁
Equitable High Interest Savings Account, Series A (EQB1000)
Home Trust High Interest Savings Account, Class A (HOM100)
Renaissance High Interest Savings Account, Series A (ATL5070) 2.05% 👁
Manulife Bank Investment Savings Account (MIP510) 2.00% 👁
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
TD Investment Savings Account, Series A (TDB8150)

👁 = rate expected to still change following last Bank of Canada rate change

October 30, 2025
11:00 pm
everhopeful
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so long 2%, it was nice while it lasted

October 31, 2025
5:03 am
theminionsbanjosaver
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B2B series A now at 1.90%

Norman1 said
National Bank, Royal Bank, and TD Bank lowered their rate since last update:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 2.20% 👁
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 2.15% 👁
Equitable High Interest Savings Account, Series A (EQB1000)
Home Trust High Interest Savings Account, Class A (HOM100)
Renaissance High Interest Savings Account, Series A (ATL5070) 2.05% 👁
Manulife Bank Investment Savings Account (MIP510) 2.00% 👁
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
TD Investment Savings Account, Series A (TDB8150)

👁 = rate expected to still change following last Bank of Canada rate change  

October 31, 2025
7:52 am
mustang
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TDB8152 also down the expected 25 bp, to 3.40%

November 1, 2025
1:11 pm
Norman1
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B2B Bank and Manulife Bank have lowered their rates since previous update:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 2.20% 👁
Scotiabank Investment Savings Account, Series A (DYN6000)
Equitable High Interest Savings Account, Series A (EQB1000) 2.15% 👁
Home Trust High Interest Savings Account, Class A (HOM100)
Renaissance High Interest Savings Account, Series A (ATL5070) 2.05% 👁
B2B Bank HIIA, Series A (BTB100) 1.90%
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510) 1.75%

👁 = rate expected to still change following last Bank of Canada rate change

November 4, 2025
9:29 am
AltaRed
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Scotia dropped their DYN rates both CAD and USD effective Nov 4th.

November 4, 2025
6:52 pm
Norman1
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Bank of Montreal, Bank of Nova Scotia, and Renaissance have reduced their rates since previous update:

ISA (Canadian Dollars) Rate
Equitable High Interest Savings Account, Series A (EQB1000) 2.15% 👁
Home Trust High Interest Savings Account, Class A (HOM100)
BMO High Interest Savings Account (BMT104) 1.95%
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 1.90%
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5070)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510) 1.75%

👁 = rate expected to still change following last Bank of Canada rate change

November 5, 2025
6:07 am
Nehpets
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I looked for Home Trust High Interest Savings Account, Class A (HOM100) on my TD WebBroker account without success. How do I access Home Trust HISA's?

Stephen

November 5, 2025
6:47 am
NorthernRaven
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You have to do a Mutual Funds trade for these. But I'm pretty sure that TDDI only allows you to sell units you might transfer in, you can't buy new units of any ISA except TD's own. They don't want the competition for their miserly rates... 🙂

November 5, 2025
6:49 am
AltaRed
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Nehpets said
I looked for Home Trust High Interest Savings Account, Class A (HOM100) on my TD WebBroker account without success. How do I access Home Trust HISA's?

Stephen  

IIRC, TDDI probably does not offer anything other than their own ISAs, i.e. TDB8150 and its sister company ISAs, for competitive reasons. There is no regulatory requirement to do so. Some other big bank brokerages likely have the same restrictions, i.e. offering only their 'family series' of ISAs.

You may need to have an account with an independent brokerage like Qtrade or Questrade to access the Home Trust ISA.

November 5, 2025
7:09 am
BCgeorge
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Yesterday Questrade would not allow me to buy BMT104.

November 5, 2025
7:52 am
AltaRed
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BCgeorge said
Yesterday Questrade would not allow me to buy BMT104.  

I don't think anyone other than BMO clients (BMO IL, Nesbitt Burns et al) can buy the BMT series. It seems the Scotia DYN offerings tend to be more available (I believe as a minimum, CIBC IE, Questrade and maybe NBDB/Qtrade).

November 5, 2025
7:57 am
Norman1
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Questrade may not be good for brokerage ISA's.

Questrade charges $9.95/trade for mutual funds. I don't see an exemption mentioned for money market funds and ISA's.

November 5, 2025
8:35 pm
Norman1
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Equitable Bank has decreased its rate since previous update:

ISA (Canadian Dollars) Rate
Home Trust High Interest Savings Account, Class A (HOM100) 2.15% 👁
BMO High Interest Savings Account (BMT104) 1.95%
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 1.90%
Equitable High Interest Savings Account, Series A (EQB1000)
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5070)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510) 1.75%

👁 = rate expected to still change following last Bank of Canada rate change

November 6, 2025
2:07 am
theminionsbanjosaver
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Home Trust has decreased its rate since previous update:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 1.95%
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 1.90%
Equitable High Interest Savings Account, Series A (EQB1000)
Home Trust High Interest Savings Account, Class A (HOM100)
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5070)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510) 1.75%

👁 = rate expected to still change following last Bank of Canada rate change

November 6, 2025
7:35 pm
Norman1
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Since my last update, Home Trust has decreased its rate:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 1.95%
Scotiabank Investment Savings Account, Series A (DYN6000)
B2B Bank HIIA, Series A (BTB100) 1.90%
Equitable High Interest Savings Account, Series A (EQB1000)
Home Trust High Interest Savings Account, Class A (HOM100)
NBI Altamira CashPerformer Account, Series A (NBC100) 1.80%
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5070)
TD Investment Savings Account, Series A (TDB8150)
Manulife Bank Investment Savings Account (MIP510) 1.75%

The last Bank of Canada rate cut is now fully transmitted to the ISA's in the table.

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