BMO chequing bonus: up to $1,100 until March 1, 2027
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The BMO chequing bonus pays up to $1,100 in cash, plus up to 12 months of Walmart+, to new clients who open an account between November 3, 2026 and March 1, 2027. The money comes in three steps, and each step has its own conditions. This guide lists them, adds up what the account costs, and shows which total fits your situation. It sits in our banking hub, and it replaces the smaller $900 figure we published in our monthly list of bank account welcome offers.
All figures were read on November 3, 2026 from our account catalogue and from the official BMO offer page. BMO can change the terms, so confirm them there before you apply.
What the BMO chequing bonus pays
The offer is called Winter Everyday Banking. It runs from November 3, 2026 to March 1, 2027 and applies to two accounts: the BMO Performance Chequing Account ($17.95 a month) and the BMO Premium Chequing Account ($30.95 a month). Both waive the monthly fee when you keep a minimum balance. BMO also advertises a smaller offer on its Practical account, which we do not cover here.
Every amount is a maximum. You earn each part only when you meet its conditions, and you must finish Step 1 before Step 2 counts. The table below sums up the three steps.
| Step | Bonus | Key condition | Deadline |
|---|---|---|---|
| Step 1 | Up to $800 | Direct deposit of $500 or more, plus 2 bill payments or 2 pre-authorized debits of $50 or more | Account by March 1, 2027; conditions by April 30, 2027 |
| Step 2 | Up to $200 | Complete Step 1, then deposit $10,000 or more in a Savings Amplifier Account and keep it for several months | Account by March 1, 2027; deposit within 30 days |
| Step 3 | Up to $100 | Savings account deposit and an eligible credit card approved within 30 days of opening the chequing account | Account by March 1, 2027 |
The three steps in detail
Step 1: $800 for direct deposit and bills
Open and fund a Performance or Premium account by March 1, 2027. Then set up a recurring direct deposit of at least $500 from your employer, the government or a pension. The first deposit must arrive by April 30, 2027.
By the same April 30 date, you must also do one of two things:
- Make 2 bill payments of $50 or more to 2 different payees, through BMO online or mobile banking.
- Set up 2 pre-authorized debits of $50 or more from 2 different payees.
Step 1 asks for no minimum balance, no savings account and no credit card. For many people with a regular pay cheque, this is the easy part, and it is where most of the money sits.
Step 2: $200 for a $10,000 savings deposit
You must complete Step 1 first. Then open a BMO Savings Amplifier Account by March 1, 2027 and deposit $10,000 or more within the first 30 calendar days. You then keep a balance of $10,000 or more for several months, under the conditions BMO sets in its terms. We do not state a number of days here, because the length of the holding period is set in BMO's terms and you should read it there before you commit.
The Savings Amplifier Account also carries a 5.00% promotional rate on balances up to $1,000,000, for the promotional period BMO indicates. Its regular rate is 0.45% (account catalogue, October 26, 2026). The account has no monthly fee.
Step 3: $100 for a card and a savings account
BMO describes Step 3 as separate from Step 2. You open a Performance, Premium or Practical account and make a deposit by March 1, 2027. You open a Savings Amplifier Account and make a deposit of any amount within 30 days of opening the chequing account. And you get an eligible BMO credit card approved within 30 calendar days of opening the chequing account, as primary cardholder.
BMO also advertises no annual fee in the first year on some eligible cards, subject to its terms. That is not true of all of them: the BMO eclipse Visa Infinite Privilege keeps an annual fee of $599 in the first year. According to the BMO Private Banking brochure dated November 2, 2026, BMO applies a $300 credit (50% of the fee), which leaves about $299 to pay. Do not treat it as a free card: read the terms of the card you pick for the exact fee.
The official terms list these cards as eligible:
- BMO eclipse rise Visa
- BMO eclipse Visa Infinite
- BMO eclipse Visa Infinite Privilege
- BMO Ascend World Elite Mastercard
- BMO Blue Rewards Mastercard
- BMO Blue Rewards World Elite Mastercard
- BMO CashBack Mastercard
- BMO CashBack World Elite Mastercard
- BMO VIPorter Mastercard
- BMO VIPorter World Mastercard
- BMO VIPorter World Elite Mastercard
- BMO Preferred Rate Mastercard
Accounts in the Student, Medical and Dental Student, Recent Graduate and Canadian Defence Community programs are excluded from the $100 card offer. Our card pages are the place to compare these cards. Start with our ranking of the best BMO credit cards.
Walmart+ for up to 12 months
To get Walmart+, open and fund a new Performance, Premium, Practical or Plus account by March 1, 2027. Then sign up or update your membership on Walmart.ca by April 30, 2027, choosing Debit Mastercard as the payment option.
What you can expect to collect
Because Step 3 does not require Step 1, the totals are not a single ladder. Each row below is a maximum, and the $100 row still needs a chequing account, a savings account and an approved card.
| Total | What you do | Steps counted |
|---|---|---|
| Up to $100 | Open chequing and savings accounts and get an eligible card approved | Step 3 only |
| Up to $800 | Direct deposit of $500 or more plus 2 bill payments or 2 pre-authorized debits | Step 1 |
| Up to $900 | Step 1 plus the card and savings account | Steps 1 and 3 |
| Up to $1,000 | Step 1 plus $10,000 in the Savings Amplifier Account | Steps 1 and 2 |
| Up to $1,100 | All three steps | Steps 1, 2 and 3 |
What the account really costs
A bonus is only worth what is left after fees. The monthly fee drops to zero when you keep the minimum balance, but that balance sits in your account instead of earning interest elsewhere.
Without the minimum balance, the Performance account costs $215.40 a year ($17.95 × 12), and the Premium account costs $371.40 ($30.95 × 12). Both figures come from BMO's fees as of November 3, 2026. If you pay the fee for a full year, the $800 from Step 1 shrinks to about $585 on Performance and about $429 on Premium.
BMO also gives a rebate on the annual fee of an eligible BMO credit card: up to $40 on Performance and up to $150 on Premium.
| Account | Monthly fee | Fee per year | Balance that waives the fee | Credit card fee rebate |
|---|---|---|---|---|
| BMO Performance Chequing Account | $17.95 | $215.40 | $4,000 | Up to $40 |
| BMO Premium Chequing Account | $30.95 | $371.40 | $6,000 | Up to $150 |
The $10,000 you have to park
Step 2 needs $10,000 in a savings account for several months. That money earns 5.00% during the promotional period and 0.45% afterward. Eligible deposits are insured by CDIC up to $100,000 per category, so the money is not at risk. The cost is that you cannot use the $10,000 elsewhere. We do not calculate the interest you would earn, because it depends on the holding period BMO sets in its terms.
How this compares with other offers
Scotiabank also has a current offer. Its Cash Bonus Bundle runs from October 30, 2026 to March 4, 2027 and pays up to $1,000 ($700 + $200 + $100), so BMO's maximum of $1,100 is $100 higher. Scotiabank sets its own conditions for each part, so read them on its official page. Our catalogue listed the TD and RBC offers as ending on November 2, 2026, so check each bank's own page. The table shows the offers we confirmed on November 3, 2026.
| Account | Welcome offer | Monthly fee | Offer end date |
|---|---|---|---|
| BMO Performance Chequing Account | Up to $1,100 cash + Walmart+ | $17.95 ($0 with $4,000) | March 1, 2027 |
| BMO Premium Chequing Account | Up to $1,100 cash + Walmart+ | $30.95 ($0 with $6,000) | March 1, 2027 |
| Scotiabank Preferred Package | Up to $1,000 ($700 + $200 + $100) | $16.95 ($0 with $4,000) | March 4, 2027 |
| Scotiabank Ultimate Package | Up to $1,000 ($700 + $200 + $100) | $30.95 ($0 with $6,000) | March 4, 2027 |
| CIBC Smart Account | Up to $850 welcome bonus | $16.95 ($0 with $4,000) | No end date published |
| Tangerine No-Fee Daily Chequing Account | $250 for moving your pay 2 months | $0 | April 30, 2027 |
BMO pays $800 for conditions that most people with a pay cheque already meet: a direct deposit and two bill payments or pre-authorized debits.
Who qualifies and who does not
The offer is for new BMO clients. You do not qualify if you already hold a BMO chequing account, a savings account or a primary credit card. You also do not qualify if you closed a BMO account between November 3, 2025 and March 1, 2027. Each client gets one bonus, even on a joint account, and the $100 card offer has a limit of one per client.
BMO can recover the $100 card bonus if the chequing account, the savings account or the card is closed before March 1, 2028. Plan to keep all three open at least that long.
BMO states that the cash bonuses for the chequing and savings steps are paid by October 30, 2027, and the card bonus by June 30, 2027. Treat these as outer limits from the terms and read the payment timing in the BMO documents before you plan around them.
Newcomers
New to Canada? BMO has a dedicated version, the BMO Performance Chequing Account for Newcomers. It carries the same offer of up to $1,100 plus Walmart+, and it adds no monthly plan fees for two years, which BMO says saves $430. See the account below.
Taxes on the bonus
Cash bonuses are generally treated as income, so you may need to report them on your tax return. Ask the CRA or a tax professional if your situation is unusual.
Compare the accounts
These are the BMO accounts that carry the new offer. Each card pulls its current terms from our catalogue.
- Monthly fee
- $17.95/mo
- No monthly plan fees with a minimum balance of $4,000*
- Included transactions
- Unlimited
- Unlimited Interac included
- Account highlights
- Up to $1,100 cash bonus*
- Ends Mar 1, 2027
Apply Now
on BMO's website
- Monthly fee
- $17.95/mo
- Fee waiver
- No monthly plan fees with a minimum balance of $4,000*
- Included transactions
- Unlimited
- Interac e-Transfers
- Unlimited Interac included
- ATM withdrawals per month
- 1
- ATM — other networks in Canada
- $2
- ATM — United States
- $5
- ATM — international
- $5
- Overdraft protection / month
- $5
- E-statement
- Included
- Credit card rebate
- $40
With the BMO Performance Chequing Account, you can earn up to a $1,100 cash bonus* plus a Walmart+ membership for up to 12 months*:
- $800 when you open and fund a BMO Performance or Premium Plan Chequing Account by March 1, 2027, then set up a recurring direct deposit of $500 or more and make two eligible bill payments or pre-authorized debits by April 30, 2027*.
- $200 when you open a Savings Amplifier Account by March 1, 2027, deposit $10,000 or more within 30 days and keep that balance for 120 days, then for an additional 90 days*. You also earn the 5.00% promotional interest rate for the first 120 days*.
- $100 when you open and fund eligible Chequing and Savings accounts and apply and are approved for an Eligible Credit Card within 30 days of opening your Chequing Account. Plus, pay no annual fee in your first year. T&Cs apply*
- A Walmart+ membership for up to 12 months when you pay for it on Walmart.ca with your new BMO debit card by April 30, 2027*.
Offer available from November 3, 2026 to March 1, 2027*. You must complete Step 1 to qualify for Step 2*.
Other benefits:
- Unlimited transactions and Interac e-Transfer® transactions*
- Get accounts for family members without paying an additional monthly fee*
- Up to $40 rebate on the annual fee for eligible BMO credit cards*
- OnGuard®† Identity Theft Protection at no charge*
All for $17.95 a month, or no cost when you maintain the minimum monthly balance of $4,000*.
Account highlights
Up to $1,100 cash bonus*
Ends Mar 1, 2027
Account details & conditions
Earn up to a $1,100 cash bonus* plus a Walmart+ membership for up to 12 months*:
- Step 1 – Earn $800 when you:
- Open and fund a new BMO Performance or Premium Plan Chequing Account by March 1, 2027*
- Set up a recurring direct deposit of $500 or more from your employer, the government, or your pension, and have the first deposit appear by April 30, 2027*
- Complete one of the following by April 30, 2027*:
- Make two (2) bill payments of $50 or more to two (2) different payees through BMO Online Banking or the BMO Mobile Banking app*
- Set up two (2) pre-authorized debits (PADs) of $50 or more from two (2) different payees*
- Step 2 – Earn $200 when you:
- You must complete Step 1 to qualify for Step 2.*
- Open a Savings Amplifier Account by March 1, 2027*
- Deposit a total of $10,000 or more into the Savings Amplifier Account within the first 30 calendar days of opening the account*
- Maintain a daily closing balance of $10,000 or more for 120 calendar days from the date of deposit to earn the 5.00% promotional interest rate on balances up to $1,000,000*
- After the initial 120-day promotional period, continue to maintain a daily closing balance of $10,000 or more for an additional 90 calendar days to qualify for the $200 cash bonus*
- Step 3 – Earn $100 when you:
- Open a Chequing Account in a Performance, Premium or Practical Plan and make any deposit by March 1, 2027*
- Open a Savings Amplifier Account and make any deposit within 30 days of opening your Chequing Account*
- Apply for and be approved for an Eligible Credit Card within 30 calendar days of opening your Chequing Account*
- Plus, pay no annual fee in your first year*
- Get a Walmart+ membership for up to 12 months* when you:
- Open and fund a new BMO Performance, Premium, Practical or Plus Plan Chequing Account by March 1, 2027*
- Sign up for or update your existing Walmart+ membership on Walmart.ca by April 30, 2027, selecting Debit Mastercard as the payment option and entering your new BMO debit card number*
If you meet the eligibility criteria, the Chequing Account and Savings Account cash bonuses will be credited to your account by October 30, 2027, and the Credit Card cash bonus by June 30, 2027*.
- Get a 5.00% promotional interest rate when you add a Savings Amplifier Account*
- Unlimited transactions and Interac e-Transfer® transactions*
- Get accounts for family members without paying an additional monthly fee*
- Up to $40 rebate on the annual fee for eligible BMO credit cards*
- OnGuard®† Identity Theft Protection at no charge*
- No-fee Global Money Transfer transactions to up to 50 countries*
All for $17.95 a month, or no cost when you maintain the minimum monthly balance of $4,000*.
- Monthly fee
- $30.95/mo
- no monthly fee with a minimum balance of $6,000*
- Included transactions
- Unlimited
- Unlimited Interac included
- Account highlights
- Up to $1,100 cash bonus*
- Ends Mar 1, 2027
Apply Now
on BMO's website
- Monthly fee
- $30.95/mo
- Fee waiver
- no monthly fee with a minimum balance of $6,000*
- Included transactions
- Unlimited
- Interac e-Transfers
- Unlimited Interac included
- ATM — other networks in Canada
- $0
- ATM — United States
- $0
- ATM — international
- $0
- Overdraft protection / month
- $0
- E-statement
- Included
- Credit card rebate
- $150
With the BMO Premium Chequing Account, you can earn up to a $1,100 cash bonus* plus a Walmart+ membership for up to 12 months*:
- $800 when you open and fund a BMO Performance or Premium Plan Chequing Account by March 1, 2027, then set up a recurring direct deposit of $500 or more and make two eligible bill payments or pre-authorized debits by April 30, 2027*.
- $200 when you open a Savings Amplifier Account by March 1, 2027, deposit $10,000 or more within 30 days and keep that balance for 120 days, then for an additional 90 days*. You also earn the 5.00% promotional interest rate for the first 120 days*.
- $100 when you open and fund eligible Chequing and Savings accounts and apply and are approved for an Eligible Credit Card within 30 days of opening your Chequing Account. Plus, pay no annual fee in your first year. T&Cs apply*
- A Walmart+ membership for up to 12 months when you pay for it on Walmart.ca with your new BMO debit card by April 30, 2027*.
Offer available from November 3, 2026 to March 1, 2027*. You must complete Step 1 to qualify for Step 2*.
Plus, enjoy:
- Unlimited worldwide non-BMO ATM withdrawals at no cost*
- Up to $150 rebate on the annual fee for an eligible BMO credit card*
- A preferred U.S. foreign exchange rate*
All for $30.95 a month, or no cost when you maintain the minimum monthly balance of $6,000*.
Account highlights
Up to $1,100 cash bonus*
Ends Mar 1, 2027
Account details & conditions
Earn up to a $1,100 cash bonus* plus a Walmart+ membership for up to 12 months*:
- Step 1 – Earn $800 when you:
- Open and fund a new BMO Performance or Premium Plan Chequing Account by March 1, 2027*
- Set up a recurring direct deposit of $500 or more from your employer, the government, or your pension, and have the first deposit appear by April 30, 2027*
- Complete one of the following by April 30, 2027*:
- Make two (2) bill payments of $50 or more to two (2) different payees through BMO Online Banking or the BMO Mobile Banking app*
- Set up two (2) pre-authorized debits (PADs) of $50 or more from two (2) different payees*
- Step 2 – Earn $200 when you:
- You must complete Step 1 to qualify for Step 2.*
- Open a Savings Amplifier Account by March 1, 2027*
- Deposit a total of $10,000 or more into the Savings Amplifier Account within the first 30 calendar days of opening the account*
- Maintain a daily closing balance of $10,000 or more for 120 calendar days from the date of deposit to earn the 5.00% promotional interest rate on balances up to $1,000,000*
- After the initial 120-day promotional period, continue to maintain a daily closing balance of $10,000 or more for an additional 90 calendar days to qualify for the $200 cash bonus*
- Step 3 – Earn $100 when you:
- Open a Chequing Account in a Performance, Premium or Practical Plan and make any deposit by March 1, 2027*
- Open a Savings Amplifier Account and make any deposit within 30 days of opening your Chequing Account*
- Apply for and be approved for an Eligible Credit Card within 30 calendar days of opening your Chequing Account*
- Plus, pay no annual fee in your first year*
- Get a Walmart+ membership for up to 12 months* when you:
- Open and fund a new BMO Performance, Premium, Practical or Plus Plan Chequing Account by March 1, 2027*
- Sign up for or update your existing Walmart+ membership on Walmart.ca by April 30, 2027, selecting Debit Mastercard as the payment option and entering your new BMO debit card number*
If you meet the eligibility criteria, the Chequing Account and Savings Account cash bonuses will be credited to your account by October 30, 2027, and the Credit Card cash bonus by June 30, 2027*.
- Get a 5.00% promotional interest rate when you add a Savings Amplifier Account*
- Up to $150 rebate on the annual fee for an eligible BMO credit card*
- Preferred U.S. foreign exchange rate*
- Unlimited transactions and worldwide non-BMO ATM withdrawals at no cost*
- Get accounts for family members without paying an additional monthly fee*
- OnGuard®† Identity Theft Protection at no charge*
- No-fee Global Money Transfer transactions to up to 50 countries*
All for $30.95 a month, or no cost when you maintain the minimum monthly balance of $6,000*.
- Monthly fee
- $0
- ATM — other networks in Canada
- $5
- Insufficient funds
- $5
- Regular interest
- 0.45%Annual rate on the balance.Rate as of · Checked · Institution source
The BMO Savings Amplifier Account allows you to grow your money with a promotional interest rate of 5.00% for 120 days when you open an eligible BMO chequing account.
No monthly fees and no minimum balance required. Unlimited free self-serve transfers to your other BMO accounts.
After the promotional period, you benefit from a regular rate of 0.45% on every dollar, calculated daily and paid monthly.
BMO Performance Chequing Account for Newcomers
BMOCADNewcomers
- Monthly fee
- $17.95/mo
- No monthly plan fees for two years*
- Included transactions
- Unlimited
- Account highlights
- Up to $1,100 cash*
- Ends Mar 1, 2027
Apply Now
on BMO's website
- Monthly fee
- $17.95/mo
- Fee waiver
- No monthly plan fees for two years*
- Included transactions
- Unlimited
- ATM withdrawals per month
- 1
- ATM — other networks in Canada
- $2
- ATM — United States
- $5
- ATM — international
- $5
- E-statement
- Included
- Credit card rebate
- $40
With the BMO Newcomers Performance Chequing Account, you can get up to $1,100 welcome bonus* and up to 12 months of a Walmart+ membership*:
- $800 for opening a BMO Performance or Premium Plan chequing account by March 1, 2027, a recurring direct deposit of $500 or more with the first deposit arriving by April 30, 2027, then two bill payments or two pre-authorized debits of at least $50 to two different payees.
- $200 for opening a Savings Amplifier Account by March 1, 2027, with a deposit of $10,000 or more within 30 calendar days of opening, then a daily closing balance of at least $10,000 for 120 calendar days from the deposit date, and 90 more calendar days.
- $100 for an eligible credit card approved within 30 calendar days of opening your chequing account, with no annual fee in the first year.
- Up to 12 months of Walmart+* when you open and fund an eligible BMO account and select your debit card as the payment method on Walmart.ca by April 30, 2027.
The BMO Savings Amplifier Account also offers a promotional interest rate of 5.00% on balances up to $1,000,000 for the 120 calendar days following your deposit*.
BMO pays the $800 and $200 bonuses by October 30, 2027, and the $100 bonus by June 30, 2027.
Plus, enjoy:
- Unlimited everyday banking transactions*
- Up to $40 rebate* on eligible BMO credit cards
- Send BMO Global Money Transfer with no fee*: send funds quickly and securely in multiple currencies to nearly 50 destinations.
Account highlights
Up to $1,100 cash*
Ends Mar 1, 2027
Account details & conditions
Newcomers can get up to $1,100* in bonus cash and up to 12 months of a Walmart+ membership*. Plus, they pay no monthly program fees for two years*.
- Get up to $1,100* plus up to 12 months of Walmart+* when you meet the eligibility criteria.
- Save $430 with no monthly plan fees for two years*
- Get a $60 cash bonus when you rent a safety deposit box*
- Send BMO Global Money Transfer with no fee*
- No monthly plan fees for two years*
- Unlimited transactions*
- Family members in your household get no fee daily banking with the BMO Family Bundle*
- Up to $40 rebate for eligible BMO credit cards*
- OnGuard®† Identity Theft Protection at no charge*
Our take
The BMO chequing bonus is strong because the $800 in Step 1 asks for ordinary activity: a direct deposit and two small payments. The extra $300 costs more, since it ties up $10,000 for several months and requires an approved credit card. Count the monthly fee too, and only chase the full $1,100 if the numbers still work for you.
For a broader look at fees and features, use our chequing account comparison and our ranking of the best chequing accounts. The official terms are on BMO's offer page, in the chequing terms and conditions (PDF) and in the credit card offer terms (PDF).
To get the next banking offer and rate change in your inbox, subscribe to the Ratesopedia newsletter.
What is the minimum I can get from the BMO chequing bonus?
The smallest amount is up to $100. You earn it by opening a chequing account and a Savings Amplifier Account, making a deposit in each, and getting an eligible BMO credit card approved within 30 days of opening the chequing account. Step 3 does not require Step 1. The next level is up to $800 from Step 1, which asks for a direct deposit of $500 or more and two bill payments or pre-authorized debits. See [our banking hub](https://ratesopedia.com/banking/) for other accounts.
Do I need $10,000 to get the BMO bonus?
No. Step 1 pays up to $800 and asks for no minimum balance. The $10,000 only matters for the up to $200 in Step 2, which also requires you to finish Step 1 and keep the balance for several months, under the conditions BMO sets in its terms. Read those terms on [BMO's offer page](https://www.bmo.com/cash) before you move the money.
Which credit cards count for the $100 bonus?
BMO lists 12 eligible cards, including the BMO eclipse rise Visa, BMO eclipse Visa Infinite, BMO Ascend World Elite Mastercard, the BMO CashBack Mastercard and the BMO VIPorter family. The full list is in [the card offer terms (PDF)](https://www.bmo.com/assets/pdfs/edb-chequing-terms-and-conditions-credit-card-offer-en.pdf). BMO advertises no annual fee in the first year on some cards, subject to its terms. The BMO eclipse Visa Infinite Privilege keeps an annual fee of $599 in the first year, with a $300 credit according to a BMO brochure dated November 2, 2026. Compare cards in [our best chequing accounts guide](https://ratesopedia.com/best-chequing-accounts/) and on our card pages.
What does the account cost if I do not keep the minimum balance?
The Performance account costs $17.95 a month, or $215.40 a year, unless you keep a $4,000 minimum balance. The Premium account costs $30.95 a month, or $371.40 a year, unless you keep $6,000. Figures read on November 3, 2026. Subtract the yearly fee from the bonus before you decide. Our [chequing account comparison](https://ratesopedia.com/compare/chequing-accounts/) shows other fees side by side.
I am already a BMO client or closed an account. Can I qualify?
Probably not. BMO excludes clients who already hold a BMO chequing account, a savings account or a primary credit card. It also excludes anyone who closed a BMO account between November 3, 2025 and March 1, 2027. Only one bonus is paid per client, even on a joint account. Check the [chequing terms and conditions (PDF)](https://www.bmo.com/assets/pdfs/edb-chequing-terms-and-conditions-en.pdf) for your case.
Are the BMO bonuses taxable?
Cash bonuses are generally treated as income, so you may need to report them on your tax return. The Walmart+ membership is a separate benefit. Keep the bank's statements that show when the bonus was paid. A tax professional or the CRA can confirm how it applies to you. Our [taxes section](https://ratesopedia.com/taxes/) covers the basics.
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