Built in Canada · the bank's worst nightmare

We caught your bank
in 4K.

Hidden fees, trash rates, the loyalty tax — Looni catches it all, then makes the banks bid to keep you. Your bank doesn't get to live rent-free in your wallet anymore.

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Check your inbox for a welcome note and your first money tip.

We never sell your data PIPEDA · read-only
app.looni.caScanning live
Money you're losing this year
$646/yr↗ every dollar fixable
Your money leaks
RBC monthly account fee
$16.95/mo · waived at 3 other banks
$203
Switch banks
Idle savings at 0.01%
$3,200 earning almost nothing
$144
Move to HISA
Forgotten Audible sub
unused 43 days
$179
Cancel it
Netflix + Disney+ overlap
paying twice for the same nights in
$120
Trim it
Fix all — pocket $646/yr→
$340 found in the average first scan
🏠Rent🍔Groceries🚌Transit🏒Hockey Night📱Phone Bill✈️Vacation🛒Costco Run🏦Bank Fee🎓Tuition🏋️Gym 🏠Rent🍔Groceries🚌Transit🏒Hockey Night📱Phone Bill✈️Vacation🛒Costco Run🏦Bank Fee🎓Tuition🏋️Gym
💅Self Care🎮Gaming📺Streaming🍺Patio Drinks🚗Car Insurance☕Coffee🎬Netflix💰Savings🅿️Parking🏠Rent 💅Self Care🎮Gaming📺Streaming🍺Patio Drinks🚗Car Insurance☕Coffee🎬Netflix💰Savings🅿️Parking🏠Rent

Built to put you first.

Every tile, on your side. Premium, private, and a little bit savage to the banks.

The Flip · banks bid for you

Banks bid for you

Post once. Lenders compete to win you, and you pick the winner.

nestoBEST4.09%
Tangerine4.49%
Your bank5.49%
Your MVP

One number that's truly yours

Safe-to-Spend, after bills and goals.

SAFE TO SPEND
$712
Smart alerts

We catch every fee, the second it hits

Flagged in real time, with the fix.

Fee detected
RBC charged you $16.95 · again
now
Ghost subscription found
Audible · unused 43 days
2h
Built for trust

Your money is yours. Always.

256-bit encryption PIPEDA-compliant Read-only · Plaid & Flinks We never sell your data

Money Talks.

Plain-English guides to the money decisions banks profit from you not understanding. No jargon, no selling.

Mortgages

The mortgage penalty trap

Three months' interest vs the IRD, and the posted-rate trick that quietly costs you thousands.

Read the guide →
Mortgages

Renewing in 2026

Why auto-renewing is a costly habit, and the new rule that lets you switch lenders without the stress test.

Read the guide →
Credit

How credit eats you

Why the minimum payment keeps you in debt for 18 years, with the exact numbers.

Coming soon
See all Money Talks guides →

Find your hidden leaks in 30 seconds. Free to start. No card required.

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© 2026 Looni Financial Inc. Looni is not a bank or financial advisor and is not responsible for decisions made based on its suggestions. Savings estimates are based on analysis of typical Canadian banking fees, subscription costs, and savings-account rates. Individual results vary.
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