PC Money Account
Monthly fee
$0
- Transactions: Unlimited transactions
- Interac e-Transfers: Interac e-Transfer service and foreign currency transactions at no cost
- Minimum balance: No minimum balance required
Reviewed by the CreditCardGuru Editorial Team
At a glance
- Regular rate
- 2.7%
- Monthly fee
- $0
- Minimum balance
- No minimum balance required
- Transactions
- Unlimited transactions
Account details
- Monthly fee
- $0
- Minimum balance
- No minimum balance required
- Transactions included
- Unlimited transactions
- Interac e-Transfers
- Interac e-Transfer service and foreign currency transactions at no cost
- E-statements
- Not included
- Other benefits
- Earn PC Optimum points; Up to 10 points per dollar on purchases
Welcome offer: 200,000 bonus PC Optimum points (a $200 value); up to 10,000 points/month for direct deposit of pay or pension and bill payments.
Pros & cons
Pros
- No monthly fee
- Unlimited transactions
- Unlimited Interac e-Transfers
Cons
Terms & conditions
Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but PC Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on PC Financial's own website before you apply.
Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and PC Financial's own criteria. Bonuses often exclude anyone who has held the account before, and usually require a minimum spend within a set period.
This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.
How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.
CreditCardGuru is not affiliated with PC Financial. Trademarks belong to their respective owners.
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Written by
CreditCardGuru Editorial Team
Rewards & Cards Research
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Cite this page
“PC Money Account Review (2026)” — CreditCardGuru, https://creditcardguru.ca/banking/pc-financial-pc-money-account, updated August 19, 2026.