{"id":414,"date":"2026-10-29T00:03:46","date_gmt":"2026-10-29T04:03:46","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=414"},"modified":"2026-10-29T00:03:46","modified_gmt":"2026-10-29T00:03:46","slug":"savings-accounts-in-canada-choosing-the-right-one","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/","title":{"rendered":"Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"414\" class=\"elementor elementor-414\">\n\t\t\t\t<section class=\"elementor-element elementor-element-303975e e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"303975e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"303975e\">\n    <div class=\"elementor-element elementor-element-aefe7f3 e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"aefe7f3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"aefe7f3\">\n    <article class=\"elementor-element elementor-element-406ac66 e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"406ac66\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"406ac66\">\n    <div class=\"elementor-element elementor-element-e453834 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"e453834\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e453834\">\n    <div class=\"elementor-element elementor-element-df78de4 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"df78de4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"df78de4\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"ebee8e5\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"1c5d48a\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"d292ba0\">\n\tPlan d&#039;\u00e9pargne\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-195883f e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"195883f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"195883f\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"4b50a9a\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2259b48\">Article 4 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"bf0ae67\">3 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"beb2bcc\" class=\"title-lg e-heading-base e-default-h1\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"6f98f2b\" id=\"41\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-1024x1024.webp\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-1024x1024.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-300x300.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-150x150.webp 150w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-768x768.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-1536x1536.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-12x12.webp 12w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-600x600.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39-100x100.webp 100w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-39.webp 1600w\" alt=\"Illustration for the article: Savings Accounts in Canada: Choosing the Right One\"\/>\t\t<div class=\"elementor-element elementor-element-953dac2 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"953dac2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"953dac2\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"ca8b70f\">Si vous d\u00e9couvrez le syst\u00e8me bancaire canadien, le nombre de comptes disponibles peut sembler d\u00e9routant. Ce guide vous explique les bases pour vous permettre de choisir en toute confiance.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"770c3a2\" class=\"prose-heading e-heading-base e-default-h2\">Comptes ch\u00e8ques vs comptes d&#039;\u00e9pargne<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-8b4bdfc e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"8b4bdfc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8b4bdfc\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"f5e8221\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"2fda020\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"f30d35b\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-fd339f7 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"fd339f7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fd339f7\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"b6fd175\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"b8452ab\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-3d18878 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"3d18878\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3d18878\">\n    <a class=\"elementor-element elementor-element-11c8ba8 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"11c8ba8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"11c8ba8\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/budgeting-basics-finding-the-money-to-save\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"37f7948\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"db377b1\">Principes de base de la gestion budg\u00e9taire\u00a0: trouver l\u2019argent \u00e0 \u00e9pargner<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1596aba e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"1596aba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1596aba\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"02ceb25\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"dfb093b\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-19748e3 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"19748e3\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"19748e3\">\n    <div class=\"elementor-element elementor-element-3fcc7f9 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"3fcc7f9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3fcc7f9\">\n    <div class=\"elementor-element elementor-element-41ac107 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"41ac107\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"41ac107\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"b483346\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"b9fe90b\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-7f84e39 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"7f84e39\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7f84e39\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/why-saving-matters-your-first-step-to-financial-security\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a9c8ed5\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"f065f16\">L&#039;importance de l&#039;\u00e9pargne : votre premier pas vers la s\u00e9curit\u00e9 financi\u00e8re<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d39e0e2 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d39e0e2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d39e0e2\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/how-to-build-an-emergency-fund-even-on-a-tight-budget\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a3967e7\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"3dbc2c2\">Comment constituer un fonds d&#039;urgence (m\u00eame avec un budget serr\u00e9)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-31f687c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"31f687c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"31f687c\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/budgeting-basics-finding-the-money-to-save\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"377877b\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c12d968\">Principes de base de la gestion budg\u00e9taire\u00a0: trouver l\u2019argent \u00e0 \u00e9pargner<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a552f0f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a552f0f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a552f0f\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ddab0d3\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"967b03e\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-eab84e1 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"eab84e1\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"eab84e1\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"8a963c2\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d87425b\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-2ac44e8 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2ac44e8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2ac44e8\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ca4972d\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"4206a29\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-60d9952 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"60d9952\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"60d9952\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"307ea79\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"41fbb2d\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-57704c5 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"57704c5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"57704c5\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-newcomer-your-first-12-months-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"7db50fd\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"ba2cfa9\">\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-572dd9f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"572dd9f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"572dd9f\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-student-small-amounts-big-habits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"870a4f4\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c80dc28\">\u00c9pargner quand on est \u00e9tudiant\u00a0: petites sommes, grandes habitudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-1c15de7 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"1c15de7\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"1c15de7\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/7-common-savings-mistakes-and-how-to-avoid-them\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"183f4e4\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"54cb9e5\">7 erreurs courantes en mati\u00e8re d&#039;\u00e9pargne et comment les \u00e9viter<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"97a2f88\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Savings Plan Free with Basic Article 4 of 10 3 min read Savings Accounts in Canada: Choosing the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":410,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-414","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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