A simpler way to invest in GICs online.

Earn more and access your money earlier with our short term and redeemable GICs. Keep your savings 100% secure with insured GICs. Access your money with ease.

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Today’s best Guaranteed Investment Certificate rates

The best GIC rates in Canada at your fingertips. No paperwork or cheques required.

1 Year
2 Year
3 Year
4 Year
5 Year

Get more for your savings

What does GIC simple offer?

Earn more and access your money faster with our short term and redeemable GICs.

Earn more on your cash, all the time.
Maximize your savings with our constantly updated GIC portfolios, tailored for both short-term and long-term goals. We'll remind you to reinvest at maturity, ensuring your money always earns top rates.
Your deposits are fully insured.
GICs are among Canada's safest investments, insured federally or provincially based on the institution. GIC Simple ensures your savings are optimally allocated across multiple institutions, keeping within insurance limits, without ever handling your cash directly.
Access to over 20 Financial Institution GIC issuers.
Build a high-yielding GIC portfolio with GIC Simple, accessing top rates across Canada from home. Invest easily in your preferred institutions and monitor your portfolio in real time, 24/7. We'll also alert you to upcoming maturities.
Fully digital, simple, secure application.
Invest at your convenience; only you can initiate transactions. Your GIC order is confirmed electronically, eliminating the wait for traditional paper processes. We prioritize your privacy and security, ensuring your data remains protected on our platform.

Get more for your savings, buy GICs

How does GIC Simple deliver higher yields?

Smaller banks, trust companies and credit unions have lower operating costs and they pass on the savings to depositors in the form of higher rates. GIC Simple intelligently optimizes the interest rate paid on your cash each day by searching for the best prevailing rates and gives you the convenience of transacting on a single convenient portal. GIC Simple members typically earn 1.2% to 2.0% more than they currently do at the traditional major Canadian “bricks and mortar” banks.
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Ready to dive in?
Start earning more for your savings today.

Quickly onboard and start earning more for your savings today.

Joining GIC Simple is Easy!

Setup New Account

Provide client information and identification in accordance with regulatory requirements.

Construct GIC Portfolio

Construct GIC portfolio with GIC Simple preferred Canadian Financial Institution issuers with CDIC and provincial deposit insurance programs.

Fund Purchases

Fund your purchase of GICs from your existing Canadian financial institution via electronic funds transfer (EFT).

View Portfolio

View your GIC investment portfolio online in real time, 24/7 on your secure GIC Simple member portal.


What they say about us

...you really got it...this is disruptive…you have done what we have wanted to do for 17 years...

COO of Canadian bank

...you really have a winner...disruptive...it's a dream...can't wait to use it...

Former Group Head of major Canadian bank

Let’s talk about your portfolio

We help companies, condominiums, charities, and individuals maximize the growth of their portfolios.

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“At GIC Simple, we believe in your financial success by turning potential into performance. Let us help you navigate the complexities of financial growth with expertise and personalized care.”

Don Martone
CTO / Founder of GIC Simple