u/CarpetWeary7479

Sadly confirmed, effective Oct 22, Scotiabank’s cash back credit card suites (Momentum VISA, Momentum VISA Infinite, Momentum No-Fee VISA, and Momentum for Business VISA) no longer includes recurring rental and tax bill payments via Chexy and CASA

Edit: this is provided by my brother who works in Scotiabank. They received internal news as of today Aug 14. Feel free to check with your local Scotiabank Financial Advisor

​Is anyone else having trouble logging into the Neobanc mobile app recently?

​Every time I try to sign in on the app, I get this exact error message:

​Firebase: Error (auth/invalid-credential)

​The strange thing is that I can log in to the web version on my browser with zero issues using the exact same credentials, so I know my email and password are correct.

I tried ​typing out my email and password manually (no auto-fill / removing trailing spaces)

​Clearing the app cache & storage,

​Uninstalling and reinstalling the app completely.

​None of these fixed the mobile app login. Since it's throwing a raw Firebase SDK error, I'm wondering if this is a known bug with a recent app build or an API configuration issue on their backend for mobile clients.

​Is anyone else hitting this issue on iOS or Android, or found a workaround that works? Thanks!

I’m paying $1,000/month rent,

​Trying to decide between these two tiers:

​1% Monthly Plan: 1.50% fee. 1% cashback credited instantly every month.

​Net: +$35.00/mo ($420/yr)

​2% Rolling Plan: 2.25% fee. 2% cashback unlocked on a 6-month delay.

​Net: +$37.50/mo ($450/yr)

​Is waiting 6 months for payouts worth the extra $2.50/month ($30/year), or is it better to take the instant monthly credit?

​What tier did you choose and why?

My promotional interest rate with Simplii is coming to an end soon, so I’m planning to move my savings to another bank.

​I have two questions for anyone who regularly churns bank promos or uses Simplii:

​Should I close my Simplii account completely, or leave it open with a zero balance? I don't really have a need for it right now.

​If I close the account, how does Simplii treat returning clients for new promotions? Does closing it reset my "new client" status after a certain timeframe, or am I better off keeping it open to trigger targeted retention deposit promos?

Looking to book a beach vacation from Canada and need some advice:

​What are your go-to sites, forums, or alert systems for scoping out solid vacation packages?

​I know sargassum is hitting record levels in the Caribbean/Mexico. Where can I book right now with a certainty that the water will actually be clear and seaweed free?

​Thanks in advance!

Looking to upgrade my plan and wondering if the carriers are running any solid Canada Day promos this week. Has anyone spotted a good BYOD deal?

With all the recent sign-in approval updates I’ve been re-evaluating my 2FA setup,

​I’m currently debating between two main approaches to protect my accounts:

​The Classic Verification/Authorisation Code? Or

​The New Push Sign-In Approval?

Curious to hear what you guys are running on your primary accounts?

Hey everyone,

​I messed up today during a Facebook Marketplace sale.

​I was selling a valuable item. The buyer wanted some peace of mind that the item was legit, so he asked if he could see my driver's license until he verified it. In the heat of the moment, I handed it over and he took a picture of the front and back.

​About 10-15 minutes later, while we were still talking, the reality of what I just did hit me. I told him I didn't feel comfortable letting a stranger keep a photo of my ID and asked him to delete it. He deleted the photo in front of me, and I even made sure he went into his phone's "Recently Deleted" / trash bin folder and purged it from there too.

​Now that I'm home, I am incredibly stressed out. Even though I watched him delete it from the trash bin, I’m terrified that his phone might have instantly synced the photo to iCloud or Google Photos the second it was taken.

​My questions for you all:

​How much do I actually have to worry about here? If he did get a copy on his cloud, what can someone realistically do with just a photo of a driver's license?

​Can they open credit lines or commit identity theft with just this? Social Insurance Number is not on the license, obviously, but my full name, address, DOB, and license number are.

​What proactive steps should I take right now to protect myself just in case he turns out to be a scammer? Should I report the license as stolen/compromised?

​Appreciate any advice or reality checks. Thanks.

Got back from Europe and have some leftover Euro cash. Looking to skip the banks exchange spread and swap directly for CAD at the current mid-market rate. Happy to meet at a bank,Can provide proof of withdrawal/ source of funds.

If you have a trip coming up and want to save on fees, shoot me a DM!

Just got back from Europe and have some leftover Euro cash. Looking to skip the bank's exchange spread and swap directly for CAD at the current mid-market rate.

Happy to meet at a bank,Can provide proof of withdrawal/source of funds.

​If you have a trip coming up and want to save on fees, shoot me a DM!

Hey everyone,

​I’m looking to fine-tune my current credit card rotation and would love your thoughts on whether I’m leaving money on the table. My current strategy is built around three specific cards:

​Scotiabank Momentum Visa Infinite: My primary card for groceries and recurring bills. I also use this through Chexy to pull 4% back on my rent payments.

​Rogers Red Mastercard: My "catch-all" card. I use it at Costco, Walmart, and for any spending that doesn't fall into the Scotiabank categories. Since I have Rogers services, I get the 3% value toward my bills (or 2% cash back otherwise).

​Triangle World Elite Mastercard: Purely a "utility" card for the free roadside assistance.

​Are there any major spending categories I’m overlooking where a fourth card could provide a significant boost?

​Would you swap any of these out for any other option?

Hey everyone, just got back from a trip and have some Euro cash. Instead of taking a hit on the exchange rates at the bank, I'm looking to see if anyone is heading out soon and wants to convert them for CAD at the current mid-market rate (no fees).

have about €5000 available. Happy to meet up at a bank for the swap. Located in Edmonton. Send me a DM if interested!

I have a significant amount of EUR cash on hand here in Canada and I’m looking for the most cost-effective way to get it into my IBKR account to eventually convert it to CAD.

​Since IBKR doesn't accept physical cash deposits, what’s the standard move here? Should I deposit it into a local EUR bank account in Canada first (if those exist?)

​Looking for the lowest fees/best spread. Thanks!