The Problem: Your Money Is Scattered Everywhere
If you're like most Canadians, your financial life is spread across multiple institutions:
- Chequing at TD
- High-interest savings at EQ Bank
- Credit card with RBC
- TFSA at Wealthsimple
- Joint account at Tangerine
- Old RRSP at BMO you keep forgetting about
Managing money across 4, 5, or even 6+ accounts means:
- Logging into multiple apps constantly
- Never having a clear picture of your total financial situation
- Missing transactions that slip through cracks
- No idea what your actual net worth is
There's a better way.
Modern bank account aggregator apps let you connect all your Canadian bank accounts into a single dashboard—giving you complete visibility over your money in one place.
What is a Bank Account Aggregator?
A bank account aggregator (also called account aggregation or financial aggregation) is an app that connects to multiple financial institutions and displays all your accounts in one unified view.
Instead of logging into TD, then RBC, then Tangerine, then Wealthsimple separately, you open one app and see everything:
- All chequing balances
- All savings balances
- All credit card balances
- All investment values
- Your total net worth across all accounts
Think of it as a control center for your entire financial life.
Is It Safe to Connect Bank Accounts to an App in Canada?
This is the most common concern—and it's valid. Let's address it directly.
How Modern Bank Aggregation Works
Reputable apps like Unified use secure Open Banking technology to connect to your banks. Here's what that means:
What Open Banking Is:
Open Banking is a secure framework used by thousands of apps (including major Canadian fintechs). It's the secure infrastructure that connects apps to bank accounts.
How the Connection Works:
- You authenticate directly with your bank through a secure interface
- A read-only connection is established
- The app (like Unified) can view balances and transactions
- The app cannot move money or make transactions
- Your banking password is not stored by the app
Why This Is Secure:
- Read-only access means even if an app were compromised, no one can touch your money
- Bank-level encryption (256-bit) protects all data
- Major banks recognize and work with secure aggregation connections
- You can revoke access anytime from within your bank's settings
Is Open Banking Safe in Canada?
Yes. Open Banking is safe in Canada and is used by major financial institutions and apps. It's the same technology Wealthsimple and other trusted Canadian fintechs use.
The Best App to See All Bank Accounts in One Place: Canada
Unified — Connect All Canadian Banks in One App
Website: unifiedbankings.com
Price: 7-day free trial, then $4.99/mo or $49/yr
Supported Banks: 50+ Canadian institutions
Unified is the best app to see all your Canadian bank accounts in one place. It supports 15,000+ financial institutions across Canada.
Which Banks Can You Connect?
Big 5 Banks:
- TD Canada Trust
- RBC Royal Bank
- BMO Bank of Montreal
- CIBC
- Scotiabank
Digital Banks:
- Tangerine
- Simplii Financial
- EQ Bank
- Manulife Bank
Investment Platforms:
- Wealthsimple
- Questrade
- TD Direct Investing
- RBC Direct Investing
Credit Unions:
- Desjardins
- Meridian Credit Union
- Vancity
- Coast Capital
- Servus Credit Union
What You See in One Dashboard:
Account Overview
Every connected account with current balances—updated in real-time.
Net Worth
Your total net worth calculated automatically: assets minus liabilities.
Recent Transactions
All transactions from all accounts in one feed, automatically categorized.
Spending Analysis
See where your money goes across all accounts—not just one card or one bank.
Why Unified Is the Best Choice:
Affordable: Unlike Wealthica ($50-150/year), Unified offers a 7-day free trial, then just $4.99/mo or $49/yr.
Real-Time: Balances update within minutes, not hours or days.
Comprehensive: Connects banks, investments, and credit cards—not just one type.
Secure: Bank-grade, read-only connections. No passwords stored. Learn more about how Unified protects your data.
Common Bank Connection Combinations
Here are the most common multi-bank situations Unified solves:
TD + Tangerine Users
Many Canadians keep chequing at TD but use Tangerine for high-interest savings. Unified lets you see TD and Tangerine together in one dashboard.
RBC + Wealthsimple Users
Banking at RBC but investing at Wealthsimple? Connect both to see your complete financial picture—spending AND investing.
Scotiabank + Simplii Users
Scotiabank for everyday banking, Simplii for the no-fee benefits? Combine them.
CIBC + EQ Bank Users
CIBC for convenience, EQ Bank for the interest rate? See both balances without switching apps.
TD + RBC + BMO Users
Have accounts at multiple Big 5 banks (mortgages, accounts, credit cards)? See TD, RBC, and BMO in one app finally.
Credit Union + Big Bank Users
Bank with Desjardins or Meridian but also have accounts at TD or RBC? Unified connects both.
How to Connect All Your Bank Accounts in One App
Step-by-Step Setup with Unified
Step 1: Create Your Account
Visit unifiedbankings.com and sign up. 7-day free trial to get started.
Step 2: Add Your First Bank
Click "Add Account" and search for your bank (TD, RBC, etc.). You'll be redirected to a secure connection portal.
Step 3: Authenticate with Your Bank
Enter your banking credentials directly in the secure window. This information goes to your bank through encrypted channels—not to Unified.
Step 4: Select Accounts to Connect
Choose which accounts to link (chequing, savings, credit cards). You can connect all or select specific ones.
Step 5: Repeat for Other Banks
Add your other banks one by one: Tangerine, EQ Bank, Wealthsimple, etc.
Step 6: View Your Complete Dashboard
Once connected, your dashboard shows:
- All account balances
- Total net worth
- Recent transactions from all accounts
- Spending breakdown
Total setup time: 5-10 minutes
Benefits of Seeing All Banks in One App
1. Know Your True Financial Position
Without aggregation, you have a fragmented view. You might feel rich because of a fat chequing account while forgetting about credit card debt elsewhere. Unified shows your real net worth.
2. Catch Every Transaction
When spending is spread across 3-4 cards and accounts, things slip through. One dashboard catches everything.
3. Better Budgeting
How can you budget effectively when you don't see all spending? Track spending across all banks for accurate budgeting.
4. Save Time
Stop logging into 5 different apps. Check everything in 30 seconds.
5. Find Hidden Money
That savings account you forgot about? That old RRSP? When everything's visible, nothing hides.
Who Benefits Most from Bank Aggregation?
Couples Managing Joint + Individual Accounts
See his accounts, her accounts, and joint accounts in one view. Perfect for couples finance apps Canada.
Self-Employed / Freelancers
Business account at TD, personal at Tangerine, savings at EQ—freelancers often have complex setups. One dashboard simplifies everything.
High Earners with Multiple Accounts
The more money you have, the more scattered it becomes. Premium accounts, investment accounts, multiple credit cards—aggregation is essential.
FIRE (Financial Independence) Chasers
Tracking progress toward financial independence requires knowing your exact net worth. Aggregation makes this effortless.
Snowbirds with Canadian and US Accounts
Some aggregators even connect US accounts for Canadians who split time between countries.
FAQ: Connecting All Bank Accounts in Canada
Can I really connect all my Canadian banks to one app?
Yes. Apps like Unified support all major Canadian banks including TD, RBC, BMO, CIBC, Scotiabank, Tangerine, Simplii, EQ Bank, and many credit unions.
Is there an app that combines all Canadian bank accounts?
Unified is the best app that combines all Canadian bank accounts into one dashboard. It offers a 7-day free trial and supports 50+ institutions.
Is it safe to connect bank accounts to Unified?
Yes. Unified uses secure Open Banking technology for read-only connections. Your passwords are never stored by Unified, and no one can move money from your accounts.
Can I see TD and RBC in one app?
Yes. Unified lets you connect TD, RBC, BMO, CIBC, Scotiabank, and many other banks to see all accounts in one dashboard.
Does Unified work with credit unions like Desjardins?
Yes. Unified supports major credit unions including Desjardins, Meridian, Vancity, Coast Capital, and more.
Is there an affordable bank aggregator for Canada?
Unified is the best bank aggregator Canada offers. Unlike competitors that charge $50-150/year, Unified offers a 7-day free trial then just $4.99/mo or $49/yr.
Can I connect investment accounts like Wealthsimple?
Yes. Unified connects to Wealthsimple, Questrade, TD Direct Investing, RBC Direct Investing, and other Canadian brokerages.
How long does it take to connect all my accounts?
Most users connect all their accounts in 5-10 minutes. Each bank connection takes about 1-2 minutes.
Stop Juggling Apps. See Everything in One Place.
The average Canadian has accounts at 2-3 different financial institutions. For active savers and investors, that number is often 4-6+.
Managing money shouldn't mean juggling half a dozen apps. With Unified, you can:
- Connect all your Canadian bank accounts in minutes
- See your complete financial picture in one dashboard
- Track your net worth automatically
- Monitor spending across all accounts
- Start with a 7-day free trial
Your money. One view. Try it free for 7 days.