Guides Guide

CDIC deposit insurance: what it covers, the $100,000 limit and what is left out

By Alex Francisco Updated Oct 8, 2026 Figures checked Oct 8, 2026 8 min read

What is CDIC and what does CDIC insurance cover?

The Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation that insures eligible deposits at its member institutions for up to $100,000 per insured category, including principal and interest, if a member fails. Savings, chequing, GICs and other term deposits are covered. Mutual funds, stocks, bonds, ETFs and crypto are not. Coverage is free and automatic.

CDIC insures eligible deposits up to $100,000, principal and interest combined, in each of nine insured categories at each member institution.
The nine categories are deposits in one name, joint deposits, RRSP, RRIF, TFSA, RDSP, RESP, FHSA and deposits held in trust, so one person can hold more than $100,000 of insured deposits at one bank.
Savings and chequing balances, GICs and other term deposits of any length, and foreign currency deposits are eligible; mutual funds, stocks, bonds, ETFs and cryptocurrencies are not, even inside a TFSA or RRSP.
Coverage is free and automatic at CDIC members: there is nothing to sign up for and, after a failure, no claim to file.
Fintech apps are not CDIC members; money held through one is protected only when it sits at a CDIC member in the client's name or in a trust account that names the client as beneficiary.
Provincial credit unions are insured by provincial deposit insurers, not CDIC, and investments held at a dealer fall under the Canadian Investor Protection Fund (CIPF) instead.

— YieldMaple, figures checked against official sources on October 8, 2026. Sources

CDIC is the Canada Deposit Insurance Corporation, the federal Crown corporation that protects deposits when one of its member institutions fails. The limit is $100,000 per insured category at each member, which means the real answer to “how much is covered” depends on how the money is held. The table below lists the nine categories.

CDIC insured categories and the limit for each

How to read this table: each row is a separate limit. Deposits in the same category at the same member are added together first; deposits at a different member institution start again.

Insured category	What counts	Limit (principal and interest)	The limit applies
Deposits held in one name	Savings accounts, chequing accounts and term deposits (including GICs) in one person's name, all combined	$100,000	per depositor, per member institution
Deposits held in more than one name (joint deposits)	Co-owned deposits, such as a joint chequing or savings account with a spouse, child or parent	$100,000	per set of joint owners, for all their joint accounts combined, per member institution
Deposits held in an RRSP	Eligible deposits (such as savings deposits and GICs) held inside a Registered Retirement Savings Plan	$100,000	per member institution
Deposits held in a RRIF	Eligible deposits held inside a Registered Retirement Income Fund	$100,000	per member institution
Deposits held in a TFSA	Eligible deposits held inside a Tax-Free Savings Account	$100,000	per member institution
Deposits held in an RDSP	Eligible deposits held inside a Registered Disability Savings Plan	$100,000	per member institution
Deposits held in an RESP	Eligible deposits held inside a Registered Education Savings Plan	$100,000	per member institution
Deposits held in an FHSA	Eligible deposits held inside a First Home Savings Account	$100,000	per member institution
Deposits held in trust	Deposits a trustee (a relative, a lawyer, a nominee broker or a fintech) holds for named beneficiaries	$100,000	per beneficiary, per member institution, when the trustee meets CDIC's disclosure rules

This page is education, not financial advice. CDIC’s own coverage calculator and the member institution itself are the places to confirm how a specific account is covered.

What does CDIC cover?

CDIC covers eligible deposits held at a member institution. Its list is short: deposits in Canadian or foreign currency, GICs and other term deposits. Money orders, certified cheques and bank drafts issued by a CDIC member also count as eligible deposits.

What CDIC covers and what it does not

How to read this table: 'covered' means eligible when held at a CDIC member in one of the nine insured categories. The account type does not change the answer for investments: a mutual fund is not covered inside or outside a registered plan.

Product	Covered by CDIC?	Detail
Savings and chequing accounts	Yes	Eligible deposits when held at a CDIC member, in Canadian or foreign currency
Guaranteed Investment Certificates (GICs) and other term deposits	Yes	Any term length since April 30, 2020, when the five-year term limit was removed; market-linked GICs are included
Foreign currency deposits (for example US dollars)	Yes	Not a separate category: converted to Canadian dollars and combined with other deposits in the same category
Money orders, certified cheques and bank drafts issued by CDIC members	Yes	Listed by CDIC as eligible deposits
High-interest savings accounts (HISAs)	Often, but not always	May be eligible when held at a CDIC member in an insured category; CDIC says not all HISAs qualify, and HISA ETFs (money market ETFs) and HISA mutual funds are not protected
Mutual funds	No	Not eligible, even when bought at a bank or held in an RRSP or TFSA
Stocks and bonds	No	Not eligible
Exchange-traded funds (ETFs)	No	Not eligible
Cryptocurrencies, including stablecoins	No	Not eligible
Losses due to fraud or theft	No	Deposit insurance pays when a member institution fails, not when money is stolen

Three details from CDIC’s pages are easy to miss:

GICs of any term are eligible. The old five-year term limit was removed on April 30, 2020. Market-linked GICs are eligible as well, because CDIC treats them as term deposits. The GIC rates comparison and the GIC calculator show what a term deposit earns.
Foreign currency is covered but not separately. A US dollar account is converted to Canadian dollars and added to the other deposits in the same category.
Interest counts toward the limit. The $100,000 includes principal and interest, so a deposit sitting right at the limit has no room left for the interest it earns.

How does the $100,000 limit work?

The limit applies per insured category, per member institution. CDIC states that each member institution has its own distinct coverage and that the rules are applied the same way at all of them. Two consequences follow.

Same category, same member: added together. CDIC combines savings accounts, chequing accounts and GICs held in one name into a single total, covered up to $100,000. Opening a second savings account at the same bank does not add coverage.

Different categories or different members: counted separately. A person with eligible deposits in their own name, in a TFSA and in an RRSP at one member has three limits there, for up to $300,000 of coverage if each category holds that much. The same three categories at a second member institution are covered again.

CDIC publishes worked examples for each category. Four of them show how the limit behaves:

CDIC's own worked examples at a single member institution

How to read this table: each row is one of the examples on CDIC's category pages, with the names removed. 'Total held' includes any products that are not eligible.

Situation	Total held	Protected by CDIC	Why
One name: a GIC and a cash deposit at the same member, plus mutual funds	$150,000	$100,000	The GIC and cash share one category and one limit; the mutual funds are not eligible
Joint: two joint accounts with a spouse, plus one joint account with spouse and child	$250,000	$200,000	Each different set of owners gets its own limit
Trust: a deposit held in trust for two grandchildren with an equal interest, disclosure rules met	$250,000	$200,000	The limit applies to each beneficiary
Trust plus own name: a GIC in trust for two children, plus a chequing account in the parent's own name	$230,000	$230,000	The trust deposit and the own-name deposit are in different categories

Trade names matter here. Some members carry out business under more than one trade name. CDIC says those trade names are not distinct members and may fall under the coverage of the member that owns them, so deposits across the brands can share one set of limits. CDIC’s member list shows each member with the trade names under it.

Which banks are CDIC members?

CDIC members include banks, federally regulated credit unions, and loan and trust companies. Canada’s five largest banks and the main online banks are all on the list:

CDIC status of Canada's largest banks and online banks

How to read this table: the brand is the name on the app or branch; the member institution is the legal entity that holds the CDIC membership. Simplii Financial is listed by CDIC as a trade name of CIBC, not as a separate member.

Bank brand	CDIC member institution	Status
TD Canada Trust	The Toronto-Dominion Bank	CDIC member
RBC Royal Bank	Royal Bank of Canada	CDIC member
BMO	Bank of Montreal	CDIC member
Scotiabank	The Bank of Nova Scotia	CDIC member
CIBC	Canadian Imperial Bank of Commerce	CDIC member
Simplii Financial	Canadian Imperial Bank of Commerce (Simplii is a CIBC trade name)	CDIC member (through CIBC)
Tangerine	Tangerine Bank	CDIC member
EQ Bank	Equitable Bank	CDIC member

A member is required to display the CDIC logo, and CDIC keeps a searchable list of member institutions on its website. The comparison of Canadian banks shows the CDIC status of each bank next to its fees, and the high-interest savings account comparison does the same for savings rates.

How are deposits held in trust, through a broker or in a fintech app covered?

Coverage depends on whose name is on the member institution’s records. CDIC describes three ways money can reach a member through someone else, and one way that leaves the client without coverage.

How CDIC treats deposits placed by a trustee, broker or fintech

How to read this table: every row assumes the money is an eligible deposit at a CDIC member institution. CDIC insures against the failure of that member, not the failure of the broker or fintech.

How the money is held	Who the member records as depositor	CDIC coverage if the member fails
Deposit made directly at a CDIC member	The depositor	Up to $100,000 per category at that member
Broker or fintech places the money in an account in the client's name	The client	Treated like a direct deposit: combined with the client's other deposits in that category at that member, up to $100,000
Broker (as nominee) or fintech (as trustee) holds the money in trust and names the client as beneficiary	The broker or fintech as trustee, with each beneficiary disclosed	Up to $100,000 per beneficiary under the trust category, separate from the client's own deposits at that member
Trust deposit with no beneficiary information on the member's records	The trustee only	Up to $100,000 in the name of the trustee, not per beneficiary
Fintech keeps client money in a pooled account in the fintech's own name	The fintech	Up to $100,000 for the whole pooled account; the coverage applies to the fintech, not to its clients

Deposits held in trust. CDIC protects trust deposits separately from deposits the trustee or a beneficiary holds in their own name at the same member. The limit is $100,000 per beneficiary, as long as there is a valid trust and the trustee has disclosed the required information about the beneficiaries on the member’s records before a failure. Where no beneficiary information is on record, CDIC protects only up to $100,000 in the name of the trustee.

Deposits through a broker. A GIC issued by a CDIC member is eligible even when it is bought through a broker or investment advisor that is not a member. If the broker holds it in nominee name, CDIC treats it as a deposit held in trust, with up to $100,000 per beneficiary when the broker meets the disclosure rules. If the broker places it in the client’s own name, it is combined with the client’s other deposits in that category at the issuing member.

Deposits through a fintech app. CDIC is direct about this: fintechs do not have banking licences, are not CDIC members and are not insured by CDIC. A fintech client’s money is protected only when the fintech places it as an eligible deposit at a member, in the client’s name or in a trust account naming the client as beneficiary. In a pooled account held in the fintech’s own name, the fintech is the sole depositor and the clients have no CDIC coverage of their own.

CDIC also separates two failures. If the bank fails, CDIC pays the insured deposits; for a trust account, the payment goes to the trustee as the depositor on record, and CDIC says the fintech then decides how its clients get access to the money. If the fintech fails, CDIC plays no role, because that is an ordinary bankruptcy; money held in trust or in the client’s name stays at the member institution.

CDIC suggests questions for any broker, advisor or app: is the money held by a CDIC member, is it eligible and how is it placed there, and how much of it is protected. Its rules prohibit false or misleading claims about CDIC membership or coverage, and it asks anyone who suspects a fintech is misrepresenting its CDIC protection to contact CDIC at info@cdic.ca.

How does CDIC coverage work at Wealthsimple?

Wealthsimple is an example of the trust arrangement. By its own statement, Wealthsimple is not a bank and not a CDIC member; it says it has partnered with CDIC-member, federally regulated Canadian financial institutions to effectively extend CDIC deposit protection to chequing account holders.

Its legal disclosures put the coverage on chequing balances at up to $100,000 per beneficiary, per CDIC member institution, provided certain disclosure rules are met. Its pricing page describes the total as up to $1 million, because funds are spread across up to 10 CDIC member institutions (Wealthsimple itself is not a CDIC member).

Two points follow from CDIC’s rules above. The coverage comes from the trust category at each member bank that holds the money, and it protects against the failure of one of those banks, not of Wealthsimple itself. And the figures are Wealthsimple’s description of its own setup, not a CDIC statement about Wealthsimple. Under CDIC’s trust rules the coverage is separate from deposits the same person holds directly at one of those member banks, and the fintech is the one to ask which institutions hold a balance. The Wealthsimple safety guide and the Wealthsimple chequing review go through the account itself. Other apps use their own arrangements, covered in the guides to KOHO’s protection and EQ Bank’s CDIC coverage. EQ Bank is a trade name of Equitable Bank, which is a CDIC member in its own right.

What is not covered by CDIC?

CDIC does not insure investments or losses that have nothing to do with a member failing:

Mutual funds, stocks, bonds and ETFs, wherever they are bought and whatever account holds them.
HISA ETFs and HISA mutual funds. CDIC notes that these funds, also called money market ETFs, are not protected. A high-interest savings account held as a deposit at a member may be eligible, but CDIC says not all HISAs are.
Cryptocurrencies, including stablecoins.
Losses due to fraud or theft. CDIC says it does not cover losses due to fraud and that its coverage applies only when a member institution fails; the Financial Consumer Agency of Canada lists fraud and theft as outside deposit insurance.
Deposits at institutions that are not members, including provincial credit unions.
Amounts above the limit in a category at one member.

A registered plan does not change the product rule. A TFSA or RRSP holding a GIC at a member is covered in its own category; the same plan holding ETFs at a brokerage is not a CDIC matter at all.

Are credit unions covered by CDIC?

Provincial credit unions and caisses populaires are not CDIC members. CDIC says they are governed by provincial laws and cannot join, although a credit union that continues as a federal credit union becomes a member. Each province has a deposit insurer for its credit unions:

Provincial deposit insurers for credit unions and caisses populaires

How to read this table: the list is the Financial Consumer Agency of Canada's. Provincial plans also cover provincially regulated trust and loan companies. Coverage limits are set by each province and are not shown here.

Province	Deposit insurer
Alberta	Credit Union Deposit Guarantee Corporation
British Columbia	Credit Union Deposit Insurance Corporation of British Columbia
Manitoba	Credit Union Deposit Guarantee Corporation
New Brunswick	Credit Union Deposit Insurance Corporation
Newfoundland and Labrador	Credit Union Deposit Guarantee Corporation
Nova Scotia	Credit Union Deposit Insurance Corporation
Ontario	Financial Services Regulatory Authority of Ontario
Prince Edward Island	Credit Union Deposit Insurance Corporation
Quebec	Autorité des marchés financiers
Saskatchewan	Credit Union Deposit Guarantee Corporation

The Financial Consumer Agency of Canada says deposit insurance plans vary between provinces and points depositors to the provincial insurer or the institution itself. The CDIC limit and categories on this page do not apply to a provincial credit union.

What is the difference between CDIC and CIPF?

CDIC protects deposits at banks; the Canadian Investor Protection Fund (CIPF) protects property held at investment dealers and mutual fund dealers. They answer different failures and neither covers a fall in the value of an investment.

CDIC compared with CIPF

How to read this table: the CIPF column is from CIPF's own coverage page and is a summary for individuals; the CIPF Coverage Policy governs any claim.

Feature	CDIC	CIPF
What it is	A federal Crown corporation, funded by premiums paid by member institutions	The investor protection fund for clients of CIRO member investment dealers and mutual fund dealers
What triggers it	The failure of a CDIC member institution	The insolvency of a CIPF member firm that fails to return client property
What it protects	Eligible deposits: savings and chequing balances, GICs and other term deposits	Missing property held by the firm: cash, securities, futures contracts and segregated insurance funds
Limit for an individual	$100,000 per insured category, per member institution	$1 million for general accounts combined, plus $1 million for registered retirement accounts combined, plus $1 million for RESPs combined
What it does not do	Does not cover mutual funds, stocks, bonds, ETFs or crypto, or losses from fraud or theft	Does not guarantee the value of investments or cover market losses; crypto assets are excluded
Claim needed?	No; payment is automatic	Yes; claims must be filed within 180 days of the insolvency date

Many Canadians have both kinds of protection inside one financial group. A brokerage account at a bank-owned dealer is a CIPF matter, because the dealer is a separate firm, while the chequing account at the bank is a CDIC matter. At Wealthsimple, the investing side is described as securities eligible for CIPF coverage up to $1M per defined account. The Questrade safety guide walks through how CIPF applies at a brokerage.

What happens if a CDIC member fails?

CDIC is the resolution authority for all of its members, from the smallest to the largest. Paying out depositors is one option; it can also support a sale of shares or assets, a merger with another institution, a recapitalization or another restructuring.

When a payout does happen, CDIC says there is no claim to file. It uses the member’s records to work out insured deposits and pays automatically, with cheques starting to go out in the days following the closure. For deposits in a professional trustee account, CDIC can reimburse the insured amount only once the trustee has sent it the required beneficiary information.

CDIC at a glance

How to read this table: every row is CDIC's own statement about itself.

Fact	Detail
Type of organization	Federal Crown corporation
Created by Parliament	1967
Deposits insured	More than $1 trillion
Member failures handled	43, affecting about two million depositors
Most recent failure on CDIC's list	1996
Insured deposits lost	None, by CDIC's own record
Who pays for it	Member institutions, through premiums; no tax dollars or public funds
Sign-up or claim	Neither: coverage is free and automatic, and payment after a failure is automatic

Common mistakes with CDIC coverage

Counting the limit per account. Accounts in the same category at the same member are added together.
Treating two brands of one member as two banks. Trade names are not separate members, and CDIC says they may fall under the owning member’s coverage.
Assuming everything at a bank is insured. Mutual funds and other investments sold in a branch are not eligible deposits.
Assuming a registered plan is insured as a whole. Only the eligible deposits inside it are.
Forgetting interest. The limit covers principal and interest together, not principal alone.
Assuming a fintech’s coverage works like a bank’s. It depends on the account structure at the member bank, and it does not cover the fintech’s own failure.
Applying the CDIC limit to a provincial credit union. Provincial insurers set their own rules.
Leaving joint or trust details off the records. Separate coverage for joint and trust deposits depends on what the member’s records show before a failure.

Savers spreading deposits across more than one institution can use the guide to transferring money between banks for the mechanics, the GIC rates comparison for term deposits from CDIC members, and the high-interest savings account comparison for cash that needs to stay accessible.

Frequently asked questions

What does CDIC stand for?

CDIC stands for the Canada Deposit Insurance Corporation. It is a federal Crown corporation, created by Parliament in 1967, that insures eligible deposits held at its member institutions and steps in when a member fails. CDIC says it is funded by premiums paid by its member institutions and does not receive tax dollars or public funds to operate. Depositors pay nothing for the coverage.

How much does CDIC cover?

CDIC covers eligible deposits up to $100,000, including principal and interest, in each insured category at each member institution. There are nine categories: deposits in one name, joint deposits, RRSP, RRIF, TFSA, RDSP, RESP, FHSA and deposits held in trust. Because each category has its own limit, a depositor with money in several categories at the same member can have more than $100,000 of coverage there.

Is CDIC coverage $100,000 per account or per bank?

Neither, exactly. The $100,000 limit applies per insured category, per member institution. Several accounts in the same category at one member are added together: CDIC combines savings accounts, chequing accounts and GICs held in one name and covers the total up to $100,000. The same person's TFSA deposits at that member are a different category with their own limit, and deposits at a second member institution are covered separately again.

Are GICs covered by CDIC?

Yes, when the GIC is issued by a CDIC member institution and held in one of the insured categories. CDIC says that holds even if the GIC was bought through a broker or another institution that is not a member. Term deposits longer than five years have been eligible since April 30, 2020, and market-linked GICs are eligible too. A GIC is not its own category: it shares the $100,000 limit with other deposits in the same category.

Are TFSA and RRSP accounts covered by CDIC?

Eligible deposits held inside a TFSA or an RRSP at a CDIC member are covered, and each plan type is its own category with its own $100,000 limit. What matters is the product inside the plan. A savings deposit or GIC in a TFSA is covered. Mutual funds, stocks, bonds and ETFs in the same TFSA are not, because CDIC does not insure those products in any account.

Are joint accounts covered separately by CDIC?

Yes. Joint deposits are a separate category from deposits in one name. CDIC covers each set of joint owners up to $100,000 for all of their joint accounts combined at a member institution, and a different set of owners, such as a couple plus their child, gets another $100,000. For the separate coverage to apply, the member's records must state that the deposit is owned jointly and show the name and address of each owner.

Are US dollar accounts covered by CDIC?

Yes. Deposits in foreign currency, including US dollars, are eligible when held at a CDIC member institution in Canada. Foreign currency is not a separate category, though. CDIC combines a US dollar savings balance with the other deposits in the same category, for example a Canadian dollar chequing account in the same name, and covers the total up to $100,000 in Canadian dollars. It converts the foreign currency balance to work out the protected amount.

Are credit unions covered by CDIC?

Provincial credit unions and caisses populaires are not. CDIC says they are governed by provincial laws and cannot be CDIC members, and that each of the provinces has its own deposit insurer that protects provincial credit unions. The Financial Consumer Agency of Canada notes that the provincial plans vary, so the credit union or the provincial insurer is the place to confirm the limit. Federal credit unions are the exception: they are CDIC members.

Is money in a fintech app covered by CDIC?

It depends on where the fintech puts the money. CDIC says fintechs are not members, so funds are protected only when they are placed as eligible deposits at a CDIC member, either in an account in the client's name or in a trust account that names the client as beneficiary. Money kept in a pooled account in the fintech's own name is covered only up to $100,000 in total, and that coverage belongs to the fintech, not its clients.

Does CDIC cover stocks, ETFs or crypto?

No. CDIC lists mutual funds, stocks and bonds, exchange-traded funds and cryptocurrencies, including stablecoins, as products that are not eligible. That stays true when they are bought at a bank or held in a registered plan. Investments held at an investment dealer or mutual fund dealer can fall under the Canadian Investor Protection Fund (CIPF), which protects missing property when a member firm becomes insolvent. CIPF also excludes crypto assets.

Do you need to apply for CDIC coverage?

No. CDIC describes its coverage as free and automatic: there is nothing to sign up for when depositing at a member institution. After a failure there is also no claim to file. CDIC says it pays insured deposits automatically and that cheques start to be mailed in the days following the member's closure. A depositor's place of residence or nationality does not affect eligibility.

Has a CDIC member bank ever failed?

Yes. CDIC says it has handled 43 member failures since it was created in 1967, affecting about two million depositors, and that no one has lost a dollar of insured deposits. The most recent failure on CDIC's published list is from 1996. Closing a bank and paying out depositors is only one of its tools; it can also support a sale, a merger or a restructuring of a failing member.

Rules, rates and sources

Last verified: October 6, 2026
Next scheduled check: January 5, 2027

Rule or table	In effect from	Verified
CDIC deposit insurance rules — limit per category, insured categories, eligible and ineligible products, trust, broker and fintech deposits, provincial insurers and the CIPF contrast	April 30, 2022	October 8, 2026
CDIC member status of Canada's largest banks and online banks, CDIC coverage limit and fintech rule (Canada Deposit Insurance Corporation)	September 30, 2026	October 6, 2026

Official sources

What's covered (CDIC) — limit per category — Canada Deposit Insurance Corporation
Deposits held in one name (CDIC) — Canada Deposit Insurance Corporation
Deposits held in more than one name — joint deposits (CDIC) — Canada Deposit Insurance Corporation
Deposits held in trust (CDIC) — limit per beneficiary — Canada Deposit Insurance Corporation
Guaranteed Investment Certificates (CDIC) — GICs bought through a non-member — Canada Deposit Insurance Corporation
High Interest Savings Account (CDIC) — Canada Deposit Insurance Corporation
Fintechs (CDIC) — not members — Canada Deposit Insurance Corporation
Financial service providers (CDIC) — questions to ask — Canada Deposit Insurance Corporation
What happens in a failure (CDIC) — Canada Deposit Insurance Corporation
History of failures (CDIC) — most recent failure listed — Canada Deposit Insurance Corporation
Frequently asked questions (CDIC) — funding — Canada Deposit Insurance Corporation
Deposit insurance (Financial Consumer Agency of Canada) — what it doesn't cover — Financial Consumer Agency of Canada
About CIPF Coverage (Canadian Investor Protection Fund) — what it covers — Canadian Investor Protection Fund
List of member institutions (CDIC) — Canada Deposit Insurance Corporation
What's covered (CDIC) — coverage per category — Canada Deposit Insurance Corporation
Wealthsimple's own statement on bank status and CDIC membership — wealthsimple.com
CDIC coverage on Wealthsimple Chequing balances (per member institution), per Wealthsimple's legal disclosures — wealthsimple.com
Maximum CDIC coverage on Chequing balances — wealthsimple.com
CIPF protection on investment accounts — wealthsimple.com

How we check figures: our methodology and editorial policy.

General information for education, not financial, tax, legal or immigration advice. Rules change — confirm anything you act on with the official source or a licensed professional (for immigration, a lawyer or a licensed consultant registered with the College of Immigration and Citizenship Consultants).

What is CDIC and what does CDIC insurance cover?

What does CDIC cover?

How does the $100,000 limit work?

Which banks are CDIC members?

How are deposits held in trust, through a broker or in a fintech app covered?

How does CDIC coverage work at Wealthsimple?

What is not covered by CDIC?

Are credit unions covered by CDIC?

What is the difference between CDIC and CIPF?

What happens if a CDIC member fails?

Common mistakes with CDIC coverage

Related guides and tools

Frequently asked questions

Rules, rates and sources