Preferred pricing offer:
Maximize your money with the All-In Banking Package.
Pay only $8 a month.
Want no-fee banking?
No monthly fee
When you save $100 or more each month.♢
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.
One year of Amazon Prime is yours when you use your All-In Banking Package.
Simply make 10 or more purchases in each of the first two full months.♢
Already an Amazon Prime member? Your next year is still on us.♢
The All-In Banking Package delivers on what you really want from a bank. Have a look!
Yours in less than 5 minutes.
Rates & fees
Bank account rates♢
|High-Interest Savings Account rate: 0.45%♢|
|Everyday Banking Account rate: 0%|
|Secured overdraft rate: 15%♢|
Credit card rates‡‡
|ManulifeMONEY+ Visa Platinum Card cash back rates|
|5% cash back at grocery stores for your first 3 statements‡‡|
|2% cash back at grocery stores after your first 3 statements‡‡|
|1% cash back on everything else‡‡|
|ManulifeMONEY+ Visa Platinum Card annual interest rates|
|Cash advances: 22.99%|
|Balance transfers for the first six months: 1.99%‡‡|
|Balance transfers after the first six months: 22.99%|
ManulifeMONEY+ Visa Platinum Card annual fees‡‡
$0 for you | $0 for each additional cardholder
Everyday Banking Account fees♢
Monthly fee: $8
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:
|Transferring money from your account at another Canadian bank||No charge|
|Direct deposit||No charge|
|ABM deposits||No charge|
|Mobile cheque deposit||No charge|
|Sending Interac e-Transfers®♢||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|
*Note that ABMs that aren't part of THE EXCHANGE® Network may charge their own convenience fees for withdrawals.
*Trademark of Visa Int., used under license.
♢Manulife All-In Banking Package - Terms & Conditions
- Fees are subject to change with at least 30 days of prior written notice.
- All fees are presented on a per item basis, unless otherwise stated.
- Additional convenience fees may apply when you make direct-payment purchases with your debit card.
Free Banking offer: At the end of the month, if the balance in your high-interest savings account is $100 higher than the balance on the last day of the previous month, we’ll rebate the monthly fee. Other fees may apply.
Unlimited transactions offer: unlimited transactions including Interac direct payments (debit), Interac e-Transfers, bill payments, and ABM cash withdrawals on THE EXCHANGE® Network, are covered in the monthly fee. At the end of every month, if the balance in your High Interest Savings Account is $100 higher than the balance on the last day of the previous month, we’ll waive the monthly package fee. Other fees may apply.
0.45% Interest is calculated on the closing daily balance and paid monthly. Rate as of March 23, 2020. Rate is subject to change without notice. View our current rates for more details.
Amazon Prime offer: You must redeem your Amazon Prime Membership Code and agree to the Amazon Prime Terms and Conditions to qualify for Amazon Prime membership. The membership codes are good for one-time use only and must be redeemed within 2 years of receipt. Your Amazon Prime membership automatically renews for the membership fee in effect at the time of renewal plus applicable taxes. You may cancel at any time by visiting Your Account and adjusting your membership settings. Valid credit card required at time of registration if Amazon does not have one on file. Amazon Prime Membership Codes cannot be transferred or resold. For more information about Amazon Prime, visit amazon.ca/prime. Amazon Prime has a CAD $79/ year value. Amazon.com is not a sponsor of this promotion. All Amazon ®, TM & © are IP of Amazon.com, Inc. or its affiliates.
In-store and online purchases count towards the 10 monthly purchases. Debit and credit card purchases are both eligible, if you qualified for the Visa credit card associated with the All-In Banking Package. For example, if your banking package was opened in June – whether it’s June 1st or June 30th – you’ll have July and August to make the 10 qualifying purchases per month. If you qualify, we’ll email you an Amazon claim code with instructions on how to redeem it.
‡‡Unlimited cash back offer/ManulifeMONEY+™ Visa* Platinum Card: Subject to credit card approval. You will earn a bonus of an additional 3% cash back, for a total of 5% cash back on the first $2,000 in purchases at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411) when those purchases are posted to your account beginning on your account opening date and ending three statements after your account opening date. Purchases may take a few days or more to post to your account depending on the merchant. Purchases made but not yet posted within the three-statement promotional period are not eligible for the bonus. You will earn regular cash back of 2% on purchases at merchants classified as Grocery Stores & Supermarkets after the three-statement promotional period. All other terms of the Manulife Bank Rewards Terms and Conditions that apply to your account continue to apply during this promotional offer. Offer may be changed or extended and cannot be combined with any other offer.
Unlimited means there is no maximum cashback you can earn on your purchases – all purchases receive 1% cashback, and the first $15,000 in grocery purchases you spend in a year will earn 2% cashback. You will earn 2% cash back on the first $15,000 you spend annually at merchants classified in the Visa network as Grocery Stores & Supermarkets (Merchant Code: 5411). All other purchases earn 1% cash back. The $15,000 annual spending limit will reset to zero on each anniversary of the date you opened your credit card account. Terms, conditions and eligible merchant/merchant categories may change without notice. For residents of Québec only, the terms and conditions are subject to change at any time with 30 days prior written notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, service/transaction charges, balance transfers, and payments.
■Travel Disruption Insurance: Insurance is underwritten by The Manufacturers Life Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Insurance is subject to exclusions, limitations, and conditions. Clients should refer to the Certificates of Insurance included with their Cardholder Agreement for complete details on each benefit. Clients should read the Certificates of Insurance then keep the Cardholder Agreement in a safe place with other valuable documents and take it with them when they travel.
®Trade-mark of Interac Inc. Used under license. Fiserv EFT is the owner of THE EXCHANGE® trade mark and its associated rights. Fiserv EFT has granted FICANEX® the exclusive right to use, market and sublicense THE EXCHANGE® trade mark and the intellectual property rights associated with the operation of THE EXCHANGE® Network throughout Canada. Manulife Bank of Canada is an authorized user of the mark.
Manulife, Manulife Bank & Stylized M Design, ManulifeMONEY+, Manulife All-In Banking Package, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.