{"id":45105,"date":"2023-12-20T09:20:07","date_gmt":"2023-12-20T14:20:07","guid":{"rendered":"https:\/\/hardbacon.ca\/non-classifiee\/best-neobanks-canada\/"},"modified":"2026-08-23T21:17:58","modified_gmt":"2026-08-24T01:17:58","slug":"best-neobanks-canada","status":"publish","type":"post","link":"https:\/\/hardbacon.ca\/en\/banking\/best-neobanks-canada\/","title":{"rendered":"The 6 Best Neobanks in Canada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Are you looking for a better way to bank? Neobanks are just what your dollar ordered.&nbsp;But what exactly is a neobank? Neobanks are digital-only banks and financial technology (fintech) companies that offer financial solutions directly to consumers. Without the expensive operating cost of brick-and-mortar locations, neobanks pass the savings on to us with reduced fees or no fees at all, better rates, and attractive perks. Let\u2019s take a look at some of the best neobanks in Canada and what they have to offer.<\/p>\n\n\n    <div class=\"best-table\">\r\n        <div class=\"best-table__head\">\r\n                            <div class=\"best-table__head-item\">Neobank<\/div>\r\n                                        <div class=\"best-table__head-item\">Best<\/div>\r\n                    <\/div>\r\n                                    <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-neo-financial-best-overall\">Neo Financial<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Overall<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-koho-best-app-for-spending-and-saving\">KOHO<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">App for Spending and Saving<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-eq-bank-international-transfers-made-easy\">EQ Bank<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">For Global Money Transfers<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-wealthsimple-nbsp-best-for-investments\">Wealthsimple<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">For Investors<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-tangerine-nbsp-the-closest-to-traditional-banks\">Tangerine<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">Alternative Similar to Traditional Banks<\/div>\r\n                <\/div>\r\n                            <div class=\"best-table__row\">\r\n                    <div class=\"best-table__row-item\"><a href=\"#h-simplii-financial-best-for-its-cash-back-credit-card\">Simplii Financial<\/a><\/div>\r\n                    <div class=\"best-table__row-item\">For its Cash Back Credit Card<\/div>\r\n                <\/div>\r\n                        <\/div>\r\n        <script type=\"application\/ld+json\">\r\n        {\r\n          \"@context\": \"https:\/\/schema.org\",\r\n          \"@type\": \"ItemList\",\r\n          \"url\": \"https:\/\/hardbacon.ca\/en\/en\/banking\/best-neobanks-canada\/\",\r\n          \"name\": \"The 6 Best Neobanks in Canada\",\r\n          \"description\": \"Neobanks exists online without expensive physical branches. They pass the savings on to you with lower fees and unique financial solutions.\",\r\n          \"itemListOrder\": \"https:\/\/schema.org\/ItemListOrderDescending\",\r\n          \"itemListElement\": [\"Neo Financial\",\"KOHO\",\"EQ Bank\",\"Wealthsimple\",\"Tangerine\",\"Simplii Financial\"]        }\r\n    <\/script>\r\n\n\n\n<h2 id=\"h-neo-financial-best-overall\" class=\"wp-block-heading\">Neo Financial &#8211; Best Overall<\/h2>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Neo Financial is a new online-only neobank in Canada that offers a host of financial services including a money account, various credit cards, investment tools, and a killer cash back program. If you\u2019re from Western Canada, you\u2019ve probably heard of the popular food delivery app SkipTheDishes. The bright minds that revolutionized take-out are the same ones behind Neo Financial. Here\u2019s a look at what Neo Financial has to offer:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Neo Money Account and HISA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">At its core, Neo Financial is all about making your money work for you. It kicks off with the hybrid chequing-savings account, <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/61859672d3d212001de1dfd0\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Neo Money<\/a>. It&#8217;s free to use, packed with unlimited transactions, and absent of any monthly fees. It comes with a versatile cash back prepaid Mastercard, giving you instant access to your own money everywhere that Mastercard is accepted. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neo also offers a high interest savings account: <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/65426824854fce001b64bf78\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Neo HISA<\/a>. Using the account is free. Every dollar in your account earns an ambitious 4% interest rate, making it one of the <a href=\"https:\/\/hardbacon.ca\/en\/banking\/best-high-interest-savings-accounts-canada\/\">best high interest savings accounts<\/a> in Canada. You can open 10 accounts and transfer money instantly between them. Interest is calculated daily and paid monthly, and you can track the amount of interest you&#8217;ve earned through the Neo mobile app.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Neo Credit Cards<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The cash back rewards take center stage with the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aa8efd5a9d001bb4958b\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Neo Mastercard<\/a>. Think 5% average cash back at Neo partner retailers, up to 15% welcome cash back bonus on your first purchase at every Neo partner, and a minimum of 0.5% cash back on everything else. If your average cash back dips below 0.5%, Neo&#8217;s got your back with a guaranteed top-up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For those who might have a harder time getting a traditional credit card, <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/62b3aaaca7c024001be32a2b\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Neo offers the Secured Mastercard<\/a>. With guaranteed approval, no <a data-lasso-id=\"253199\" href=\"https:\/\/hardbacon.ca\/en\/credit-score\/hard-credit-check-canada\/\">hard credit check<\/a>, and a tiny $50 security deposit (one of the lowest out there), it&#8217;s a breeze to get started. Plus, your payment history goes straight to TransUnion, helping you build your credit while racking up those cash back rewards.<\/p>\n\n\n\n<h2 id=\"h-koho-best-app-for-spending-and-saving\" class=\"wp-block-heading\">KOHO &#8211; Best App for Spending and Saving<\/h2>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-11-koho-prepaid-mastercard-best-card-to-build-credit\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/637cf8206bbb7962c19ae225_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">KOHO Prepaid Mastercard Essential<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$48 (with an initial 30-day free trial, then $4\/month or $48\/year).<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$0 if you deposit $1,000 per month to your KOHO Essential account OR set up a Recurring Direct Deposit.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn 1% cash back on transportation, groceries, and restaurants. Plus, start 30 day free trial.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Special Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get $20 when you sign up for a KOHO account with code HARDBACON and unlock 5% savings interest!* Conditions apply.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&#038;adnetwork=Impact\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">KOHO is a Canadian financial technology company that provides essential banking services. With KOHO you\u2019ll get incredible rewards, and creative financial solutions exclusively online. All your banking is done online through the KOHO mobile app. The <a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&amp;adnetwork=Impact\" rel=\"sponsored nofollow noopener\" target=\"_blank\">KOHO prepaid card<\/a> is one of the <a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/the-10-best-prepaid-credit-cards-in-canada\/\">best prepaid cards<\/a> on the market. The mobile app is user-friendly and it helps you budget and save better. It lets you see where your money went, set goals and apply Round Ups (each purchase is rounded up to the nearest dollar and added to your savings), for instance. Other perks include a program to build your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">KOHO accounts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine having a chequing and savings account bundled together, free of charge, with unlimited transactions. It gets better, you can customize your banking experience with monthly subscription plans that unlock advanced features and benefits. Depending on the plan you choose, you&#8217;ll earn interest between 3% and 5% on every dollar you deposit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your complimentary <a href=\"https:\/\/kohofinancial.pxf.io\/c\/445127\/1277606\/15676?adtype=textlink&amp;adnetwork=Impact\" rel=\"sponsored nofollow noopener\" target=\"_blank\">KOHO prepaid card<\/a> opens the door to a world of cash back and savings. It&#8217;s accepted pretty much anywhere you&#8217;d use a credit card. Sounds like a sweet deal, right? Depending on your KOHO account plan, you&#8217;ll earn up to 2% cash back on essentials like groceries, dining, and transportation. Fancy up to 5% bonus cash back at KOHO partner retailers? Done! Plus, you can speed up your savings journey by rounding up your purchases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit Building<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Building credit can feel like climbing a mountain, but KOHO&#8217;s got your back. Their <a data-lasso-id=\"253200\" href=\"https:\/\/hardbacon.ca\/en\/credit-score\/koho-credit-building\/\">Credit Building program<\/a> helps you either establish a credit history or repair an existing one, all for just $10 a month. No hard credit checks, guaranteed approval, and every monthly payment reports to the credit bureaus. It&#8217;s a 6-month program that can be renewed whenever you want to keep bolstering your <a href=\"https:\/\/hardbacon.ca\/en\/credit-score\/what-is-a-credit-score-the-complete-guide-for-canadians\/\">credit score<\/a>.<\/p>\n\n\n\n<h2 id=\"h-eq-bank-international-transfers-made-easy\" class=\"wp-block-heading\">EQ Bank &#8211; International Transfers Made Easy<\/h2>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/63d2cb6a18196b6d2e1928c2_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&#038;offerid=1115263.14&#038;type=3&#038;subid=0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">EQ Bank Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">offerTitle:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Earn 0.5% cash back on all purchases with the EQ Bank Card <\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">This no-fee prepaid Mastercard has no foreign transaction fees. EQ Bank charges no fees for Canadian ATM withdrawals and reimburses ATM operator fees up to $5 per withdrawal, up to five times per month.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&#038;offerid=1115263.14&#038;type=3&#038;subid=0\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">EQ Bank is the neobank often referred to as Canada\u2019s \u201coriginal challenger bank.\u201d It is a digital-only online bank wholly owned by Equitable Bank, which is Canada\u2019s 8th largest independent bank that is federally regulated under the <a data-lasso-id=\"253207\" href=\"https:\/\/laws-lois.justice.gc.ca\/eng\/acts\/b-1.01\/\" rel=\"nofollow noopener\" target=\"_blank\">Bank Act<\/a>. With this neobank, you get access to personal bank accounts, investment accounts, <a data-lasso-id=\"260558\" href=\"https:\/\/wise.prf.hn\/click\/camref:1100lke6y\/destination:https%3A%2F%2Fwise.com%2Fca%2Fsend-money%2F\" target=\"_blank\" rel=\"sponsored nofollow noopener\">global money transfers to 160 countries through Wise<\/a>, and mortgages. When you transfer money, you get the real exchange rate and benefit from EQ&#8217;s full transparency on fees. An account also comes with a prepaid Mastercard that earns cash back. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a data-lasso-id=\"253209\" href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/eq-bank-card-review\/\">EQ Bank Card<\/a> is like your trusty debit card, with a twist. It&#8217;s a prepaid Mastercard that lets you access your cash, shop online, and in-store. The best part is that they&#8217;ll reimburse any ATM fees you encounter in Canada, and every purchase will earn you 0.5% cash back! Plus, you ditch foreign transaction fees too, making it a great card to use while travelling or shopping with international retailers. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">EQ Accounts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Their <a href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=rrfvo1Wz0rU&amp;offerid=1115263.5&amp;type=3&amp;subid=0\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Personal Account<\/a> is a two-in-one deal, a hybrid chequing-savings account. And guess what? It&#8217;s rocking a competitive up to 3% interest rate on every single dollar you stash away, with no account minimums or fees. It&#8217;s all about unlimited and fee-free transactions here, whether you&#8217;re paying bills, transferring funds, or sending eTransfers. And if you fancy sharing the love (and the account benefits, with a maximum of 3 people), they even offer a Joint Account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To avoid paying taxes on the interest earned, choose one of their guaranteed investment certificate (GIC) options to grow your money in a tax-free savings account (TFSA). They start at a term of 6 months. You will earn interest without paying taxes on it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The EQ Bank US dollar account allows you to earn 3% on every dollar deposited into your US account. Not yet available to Quebec residents, it&#8217;s free with no monthly fees, and you can easily buy US cash with one of the lowest exchange rates on the market. You can send US dollars to other US account holders in the US and abroad, with free USD to USD transfers in Canada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage Marketplace<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">EQ Bank has even ventured into the mortgage market. Their Mortgage Marketplace lets you compare over 2,000 mortgage products from various Canadian lenders, including from Equitable Bank. The whole application process can be completed online in just a few minutes. They&#8217;ll match you with the right mortgage, connect you with a broker, and even help you <a data-lasso-id=\"253212\" href=\"https:\/\/hardbacon.ca\/en\/mortgage\/what-does-it-take-to-be-pre-approved-for-a-mortgage-in-canada\/\">get pre-approved<\/a>.<\/p>\n\n\n\n<h2 id=\"h-wealthsimple-nbsp-best-for-investments\" class=\"wp-block-heading\">Wealthsimple&nbsp;&#8211; Best for Investments<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Wealthsimple is an investing-centred fintech, and one of Canada\u2019s favourite online trading platforms. <a href=\"https:\/\/en.wikipedia.org\/wiki\/Wealthsimple\" rel=\"nofollow noopener\" target=\"_blank\">Established in 2014<\/a>, the company has now amassed over $8.4 billion in assets under management (AUM). Their revamped Cash Account levelled them up from a <a data-lasso-id=\"253201\" href=\"https:\/\/hardbacon.ca\/en\/investing\/robo-advisors\/the-10-best-robo-advisors-in-canada\/\">beloved robo-advisor<\/a> to a bonfided neobank. Let\u2019s take a look at Wealthsimple\u2019s key features:&nbsp;<\/p>\n\n\n\n<h3 id=\"h-cash-account\" class=\"wp-block-heading\">Cash Account<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s start with their spending and saving platform, the Wealthsimple Cash Account. Think of it as <a data-lasso-id=\"253202\" href=\"https:\/\/hardbacon.ca\/en\/banking\/is-venmo-in-canada\/\">a Venmo alternative<\/a> with a twist. This account comes with a free prepaid Mastercard offering unlimited transactions and a rewarding 1% cash back on your purchases. The real kicker? You can receive it as cash, stocks, or crypto! The app also lets you effortlessly send and receive money to and from your contacts in an instant. And every dollar in your account earns at least 4% interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Wealthsimple Invest<\/h3>\n\n\n\n<div class=\"wp-block-affiliate-plugin-lasso\">\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20  md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet $25 cash in bonus\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/693062bf4496aeb9301b2e1f\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Wealthsimple Invest<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get a $25 cash bonus when you open and fund your first Wealthsimple Invest account* (min. $500 initial deposit). <br\/>  Transfer fees are waived for up to $150 when you transfer $5000+ to Wealthsimple from your other brokerage or bank.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Legal note:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Terms and conditions apply. For the most up-to-date product details, please visit Wealthsimple.com<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/693062bf4496aeb9301b2e1f\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Get it now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Investing made simple\u2014that&#8217;s what the <a data-lasso-id=\"253203\" href=\"https:\/\/wealthsimple.sjv.io\/c\/445127\/1333300\/5571\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Wealthsimple Invest<\/a> platform is all about. This robo-advisor uses top-notch technology to craft a personalized investment portfolio that aligns with your goals, risk appetite, and timeline. You can choose to invest in an array of account types including RRSP, TFSA, FHSA, RESP, RIFF, LIRA, or a personal non-registered account\u2014all for a 0.5% management fee. Once your money is deposited, sit back and relax as Wealthsimple diversifies your portfolio, rebalances it, and reinvests your dividends.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you prefer managing your money yourself? For the active investor, there&#8217;s <a data-lasso-id=\"253204\" href=\"https:\/\/wealthsimple.sjv.io\/c\/445127\/1333302\/5571\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Wealthsimple Trade<\/a>, a platform for commission-free stock trading. You can kickstart your journey with as little as $1. You can also trade cryptocurrencies via this platform. According to Wealthsimple, you will never pay more than 2% in fees per transaction. All your crypto can be stored in custody on the platform and many can be transferred to your own private wallet. And with the new <a data-lasso-id=\"253205\" href=\"https:\/\/hardbacon.ca\/en\/cryptocurrency\/crypto-passive\/\">crypto staking<\/a> feature, you can earn passive income on certain coins. <\/p>\n\n\n\n<h2 id=\"h-tangerine-nbsp-the-closest-to-traditional-banks\" class=\"wp-block-heading\">Tangerine&nbsp;&#8211; The Closest to Traditional Banks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tangerine is one of Canada\u2019s favourite digital-only banks, combining simplicity with generous benefits. This neobank was originally ING Direct, a Netherlands-based challenger bank that entered the Canadian market in 1997. But in 2012, <a href=\"https:\/\/financialpost.com\/news\/fp-street\/ing-direct-renames-itself-tangerine\" rel=\"nofollow noopener\" target=\"_blank\">Scotiabank acquired ING Direct and renamed it Tangerine<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Chequing and Savings Accounts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Their No-Fee Daily Chequing Account is all about freedom and flexibility &#8211; think zero monthly fees, a Visa-debit card that&#8217;s accepted like a credit card pretty much everywhere, and a slew of unlimited, fee-free transactions. Need to use an ATM? No problem! You have free access to all <a data-lasso-id=\"253213\" href=\"https:\/\/hardbacon.ca\/en\/banking\/scotiabank-atm-review\/\">Scotiabank ATMs<\/a> across the country.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, if you&#8217;re all about saving up for a rainy day, Tangerine&#8217;s high-interest savings accounts are quite the treat. With no monthly fees, and no minimum balance, they&#8217;re a no-brainer for those looking to grow their money. Reaching your savings goals becomes effortless with an Automatic Savings Program (ASP) and unique Money Rules features. You can choose from a range of savings accounts, including a basic savings account, TFSA, RSP, RIF, and even a US savings account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit cards<\/h3>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t<span class=\"absolute left-3 right-3 sm:right-auto bottom-full bg-primary-dark text-white text-center text-sm md:text-base font-medium py-2 px-8 rounded-t-lg w-content mx-auto\">\n\t\t\t\t\tGet a $120 Bonus!\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-12-tangerine-world-mastercard-best-free-credit-card-in-canada\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f344d1b92ec22115033b303_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/5f344d1b92ec22115033b303_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/rm9dIXHHD\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Tangerine\u00ae Money-Back World Mastercard\u00ae<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Free<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Balance Transfer Promotion:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">1.95% for 6 months<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get $120 with a Money-Back World Mastercard. Spend $1,500 in your first 3 months to enjoy this Bonus. This offer ends on November 30, 2026.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Legal note:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">*Conditions apply. Refer to Tangerine page for up to date offer terms and conditions.<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/rm9dIXHHD\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Apply now<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">For the spenders out there, Tangerine offers two fantastic cash back credit cards, the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/6540f9890463df001b70be95\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Tangerine World Mastercard<\/a> and the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/5f3b2910c62c25001b6e3e3a\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Tangerine Money Back Mastercard<\/a>. Both are free with no annual fee, and they let you earn a whopping 2% cash back in up to two spending categories of your choice &#8211; with no cash back limit! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The World Mastercard takes it up a notch with additional perks like Mastercard Travel Rewards, <a data-lasso-id=\"253218\" href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/boingo-wifi\/\">Boingo WiFi access<\/a>, subscription services, rental car insurance, mobile device insurance, and airport lounge access.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tangerine doesn&#8217;t stop there. They also offer guaranteed investment certificates (GICs), investment funds, mortgages, lines of credit, and business accounts.<\/p>\n\n\n\n<h2 id=\"h-simplii-financial-best-for-its-cash-back-credit-card\" class=\"wp-block-heading\">Simplii Financial &#8211; Best for its Cash Back Credit Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Simplii Financial is a digital-only online bank owned by CIBC. They offer no-fee accounts but they do not pay as much interest as most other neobanks. However, their credit card is quite interesting. You can get a decent amount of cash back if you spend a lot in categories such as dining, groceries and pre-authorized payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Chequing and Savings Accounts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/61a91bc8fc9dc8001d86d69c\" rel=\"sponsored nofollow noopener\" target=\"_blank\">Simplii Financial No-Fee Chequing Account<\/a> is a gem, offering you unlimited debit card purchases, bill payments, withdrawals, and Interac eTransfers at no cost. Plus, you get free access to all CIBC ATMs across Canada, making cash withdrawals a breeze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s head on over to their <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/61a7ec1b4e007b001d2bc9af\" rel=\"sponsored nofollow noopener\" target=\"_blank\">High Interest Savings Account<\/a>. Free of monthly fees, this account gives you up to 6% interest on every dollar (during the promotional period, after which it falls to 0.40%), with no minimum balance to worry about. Now, it&#8217;s not directly accessible through your debit card or an ATM, but moving money to your Simplii chequing account for use is as easy as a few taps on your phone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit card<\/h3>\n\n\n\n\t\t<div class=\"relative p-10 rounded-sm shadow-(--shadow) !my-20 sm:w-[calc(100%-60px)] md:max-w-[900px] md:mx-auto\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hardbacon.ca\/en\/credit-cards\/best-credit-cards-canada\/#h-16-simplii-financial-cashback-visa-best-credit-card-for-young-adults-in-canada\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"absolute top-full left-1\/2 transform -translate-y-2\/5 -translate-x-1\/2 sm:-top-22 sm:-right-10 sm:-right-15 sm:left-auto sm:translate-x-0 sm:translate-y-0\">\n\t\t\t\t\t<img decoding=\"async\" class=\"max-w-30 max-h-30 w-auto h-auto\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_offer_cc_badge\" alt=\"Offer Badge\">\n\t\t\t\t<\/a>\n\t\t\t\t\t\t<div class=\"md:flex gap-20 items-center\">\n\t\t\t\t<div class=\"shrink-0 md:w-1\/3 flex flex-col items-center justify-center\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/hardbacon-prod.s3.us-east-1.amazonaws.com\/comparators\/61a1344886fe7e29f7ee241c_offer_credit_card\" alt=\"Offer Image\" class=\"!my-0 mx-auto\">\n\t\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/692f452ae85b72a08cf5f504\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline hidden md:block mt-5\" target=\"_blank\" rel=\"noopener noreferrer\">Learn more<\/a>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"text-center md:text-left\">\n\t\t\t\t\t<span class=\"font-medium text-xl md:text-2xl block mb-10\">Simplii Financial Cash back VISA* Card<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"font-regular divide-y divide-primary-dark\/10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Annual Fee:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">$0<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Purchase Interest Rate:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">21.99%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">offerTitle:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get up to 20% cashback<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Offer:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">Get 20% cashback in your first 3 months on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $500 spend). Conditions apply. <\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"flex justify-between py-2\">\n\t\t\t\t\t\t\t\t\t<span class=\"shrink-0 block font-medium w-[180px]\">Legal note:<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"text-right\">\u2020Terms and conditions apply. Click \u2018Apply Now\u2019 for complete details. Banking services are not available in Quebec.  <\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"text-center md:hidden mt-8\">\n\t\t\t\t<a href=\"https:\/\/api.fintelconnect.com\/t\/l\/692f452ae85b72a08cf5f504\" class=\"whitespace-nowrap button-link-sm-base button-link-filled text-white no-underline\" target=\"_blank\" rel=\"noopener noreferrer\">Learn more<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n\n<p class=\"wp-block-paragraph\">For those of us who enjoy a bit of spending, the <a href=\"https:\/\/api.fintelconnect.com\/t\/l\/61a7e10a4e007b001d2ae235\" rel=\"nofollow sponsored noopener\" target=\"_blank\" data-lasso-id=\"253223\">Simplii Financial Cash Back Visa Card<\/a> is a no-brainer. This no-fee credit card offers a stellar 4% cash back on your dining and coffee shop outings, 1.5% back on gas, groceries, drugstore purchases, and pre-authorized payments, and a solid 0.5% back on all other purchases. And guess what? There&#8217;s no limit on how much cash back you can earn. Your rewards are paid out annually in December, making it a nice little year-end bonus!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But wait, there&#8217;s more! Simplii Financial has a roster of additional products, including <a data-lasso-id=\"253224\" href=\"https:\/\/hardbacon.ca\/en\/banking\/send-money-abroad\/\">global money transfers,<\/a> digital gift cards, foreign cash, and a variety of investment products as well as a student banking package.<\/p>\n\n\n\n<h2 id=\"h-neobank-pros-and-cons\" class=\"wp-block-heading\">Neobank Pros and Cons<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Neobanks have emerged as disruptive players in the financial sector, offering notable advantages but also presenting distinct challenges. Their simplified accessibility and competitive prices make them attractive alternatives, while highlighting technological innovation. However, their limitation in terms of comprehensive banking services highlights the need for a balanced assessment of their advantages and disadvantages.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>  Pros<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Free or low-fee banking services&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Better interest rates on savings accounts&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Lower rates on loan products<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Better rewards or cash back rates&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Quick access from anywhere&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  Fast application process<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">  More creative, flexible products &amp; services<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Cons<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Less personal without branches &amp; tellers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No physical branches if you need assistance&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">May require a credit check to open an account<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Limited ATM access<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Limited products and services&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banking requires internet access and a computer  or smartphone<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you looking for a better way to bank? Neobanks are just what your dollar ordered.&nbsp;But what exactly is a neobank? Neobanks are digital-only banks and financial technology (fintech) companies that offer financial solutions directly to consumers. Without the expensive operating cost of brick-and-mortar locations, neobanks pass the savings on to us with reduced fees [&hellip;]<\/p>\n","protected":false},"author":67,"featured_media":45106,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[195,406,226],"tags":[],"class_list":["post-45105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-best-banks","category-online-bank"],"acf":{"has_no_offer_box":"0"},"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/45105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/67"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=45105"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/posts\/45105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media\/45106"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=45105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/categories?post=45105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/tags?post=45105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}