Maximize your money

It’s time for you to be rewarded for spending money and for saving it. The Manulife All-in Banking Package gives you an everyday bank account, high-interest savings, a no-fee cash back credit card, and travel insurance, wrapped into one amazing mobile experience.

All that for just $10 a month. Want no-fee banking? We’ll rebate the $10 fee each month that you save $100 or more!1



High-interest Savings Account rate2

Here’s what makes it so awesome:

  • Get unlimited e-Transfers, debit purchases, bill payments, and withdrawals
  • Earn high interest on every dollar you save
  • Unlimited cash back rewards on every dollar you spend with the no-annual fee ManulifeMONEY+™ Visa* Platinum Card3
  • Reach your financial goals with automated savings tools and a virtual financial assistant
  • Stay covered while you’re abroad with $10,000 of annual travel disruption insurance4
  • Low-interest secured overdraft in case you face any unexpected expenses5
Girl tablet on staircase.


Rates & fees


Credit Card Rates

ManulifeMONEY+ Visa Platinum Card cash back rates
ManulifeMONEY+ Visa Platinum Card annual interest rates


Everyday Banking Account

Monthly fee: $10
At the end of every month, if your High-Interest Savings Account balance is $100 higher than it was on the last day of the previous month, we’ll waive the monthly fee.

Other services and fees include:

Services Fees
Transferring money from your account at another Canadian bank No charge
Direct deposit No charge
ABM deposits No charge
Mobile cheque deposit No charge

These fees are waived when you maintain a balance of $1,000.

Services Fees
Sending Interac e-Transfers®8 No charge
Debit card purchases No charge
Withdrawals in Canada at ABMs that are part of THE EXCHANGE® Network No charge
Withdrawals in Canada at ABMs that aren’t part of THE EXCHANGE® Network $1.50
ABM withdrawals outside of Canada $3.00
Pre-authorized withdrawals No charge
Transferring money to your account at another Canadian bank No charge
Bill payments No charge


ManulifeMONEY+ Visa Platinum Card

Annual fees

$0 for you    |    $0 for each additional cardholder


Manulife Bank is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits are eligible for CDIC deposit insurance protection. Visit for information on eligible deposits.



Savings Sweeps can make it easier for you to reach your savings goals. Simply choose how much money you want to keep in your everyday banking account and the rest will be moved to your savings account at the end of each day. Remember, if you grow the balance of your savings account by $100 each month, we’ll waive your monthly banking fee!

When you don’t have enough available cash in your Everyday Banking account, but you do have money in your High-Interest Savings Account (HISA), secured overdraft can help you avoid non-sufficient funds (NSF) charges if you forget about an automatic withdrawal or an unexpected expense pops up.

Your secured overdraft limit is 75% of the balance in your HISA. For example, if you have $1,000 in your HISA, you can overdraw your Everyday Banking Account by up to $750. The maximum secured overdraft limit is $5,000, with a 15% interest rate that’s calculated daily. However, there are no daily or per use fees.

The Manulife All-In Banking Package is a bundle and can’t be applied for as separate products. 

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