High-yield savings
Earn up to 4.5% APY with automatic savings rules that round up and stash spare change for you.
Open a free account in minutes, move money instantly, and watch your savings grow — all from one beautifully simple app.
Hold, send and spend in 8 currencies from one First Monument account. Tap a market to instantly see your money in the local currency.
From everyday spending to long-term goals, First Monument gives you the tools to manage money with total confidence.
Earn up to 4.5% APY with automatic savings rules that round up and stash spare change for you.
Send and receive money in seconds, 24/7 — to any bank, with zero hidden fees.
Virtual and metal cards with real-time controls, cashback rewards and worldwide acceptance.
Auto-categorised spending, live insights and goals that keep you effortlessly on track.
Personal and business loans with transparent rates and approval decisions in minutes.
Real people, any hour, by chat or phone — because money questions never wait.
Designed for real life. Pay bills, freeze a card, split a tab or open a savings pot — all in a few taps, beautifully.
Bank-grade security is built into everything we do, so you can spend, save and sleep easy.
Every transaction and message is protected with the same encryption trusted by global banks.
Eligible deposits are protected by CDIC in Canada and equivalent schemes across every market we serve.
AI watches your account around the clock and flags anything suspicious instantly.
Trusted by millions and regulated across Canada, the US and Asia.
Over 60,000 five-star reviews from people who switched and never looked back.
“I run my shop in Toronto and pay suppliers across Asia. Now it all lives in one app, in any currency — switching was painless.”
“The instant cross-border transfers are unreal. I send money home from Seoul in seconds with zero hidden fees. Best bank I have used.”
“Beautiful app, and support answers any hour. Holding JPY, USD and HKD in one place changed how I freelance across Asia.”
Join 2.4 million people who bank smarter with First Monument. No paperwork, no minimum balance, no monthly fees.