This Montreal-Based Start-Up wants you to pay less banking fees and get more credit card rewards

Montreal-Based Start-Up

When it comes to shaking things up in the financial sector, Montreal-Based Start-Up Hardbacon came out with a bang in 2018. A start-up with a mission, they began offering services and products that added value to those who were involved in the stock market. As of 2020, they have extended their reach and increased their ability to add value by creating an all-encompassing, personal finance budgeting tool that allows you to plan, budget and invest, all from the same app.

Montreal-Based Start-Up

The investment and budgeting portions of their services are well worth discussing, but the areas of particular interest are their financial product comparison tools. There are other competitors in the market such as Ratehub or RatesDotCa, but Hardbacon has done it a cut above the rest of the pack.

From Canadian credit cards to Canadian chequing accounts, Hardbacon gives you the ability to contrast and compare bank accounts, credit cards, mortgages, online brokers, robo-advisors and personal loans. This is an extensive list of the majority of the financial services the average person will need to have access to.

Having these services bundled and comparable all in one place, to be scrutinized at the user’s discretion is an attractive feature for a personal finance website. This is especially appealing when you consider the budgeting and investment tools that are also included in their app.

As for the comparison tools themselves, the feature that makes it the most user-friendly and effective is the Q and A section. There is a designated area for you to input your monthly expenses where it factors into the search results. Once you fill in the expense portion and answer the questions on the left-hand side of the page, the app goes to work. It will use your answer as a filter for the types of services or accounts they believe would suit your needs the best.

The value of this feature cannot be overstated. They have hundreds of accounts and credit cards that can be compared to one another and by narrowing the search results by relevance to the user, they are creating an experience that creates two key outcomes. First, it allows the user to see a multitude of options without feeling overwhelmed by the number of choices available. Secondly, it gives the user confidence they won’t miss a good match for them. This is because they know the options shown are chosen due to their preferences and needs.

Another innovative feature of this tool is the “compare” button that is specific to credit cards. This allows a user to select a card by pressing “compare” in the right-hand corner. It sets that card into a virtual shopping cart where you can compare that one card to others you have chosen. Each card also has a summary of its benefits displayed on a banner at the bottom of each card, making its features easy to know and understand.

Other articles from

Pivot your life and business with life coach Sonia Zarbatany

top millennial Canadian city

Montreal climbing the ladder for top millennial Canadian city

How UBER changed my life! – Rebecca Perez

Share on facebook
Share on twitter
Share on linkedin
Share on email
Is it possible to get an A for a 5-paragraph essay assignment in 1 hour? We can safely say yes, a student can get an A+ mark if he turns to EduJungles

How to transfer money

How to transfer money from one Bank to another

Advancements in technology have made it easier for people to move money from one payment platform to another. The increased penetration of the internet has made online money transfer a favourite option for those who don’t like handling cash. Many people have bank accounts in different financial and investment institutions. It could be a savings

Psychic reading

Here are four pointers to receiving legitimate psychic reading

Psychic reading refers to special sessions where a person with psychic gifts helps a client focus on what their future life will be like while dealing with current problems. It is essential to be patient in your search and hire a person with a gift rather than the first fraud with a website that pops

Montreal’s drinking water quality

How is Montreal’s drinking water quality?

As a historic city, Montreal is home to some of the country’s most picturesque streets and urban architecture. But all that history suggests there may be aging infrastructure behind those pretty facades. So how well does the city’s drinking water compare to other parts of Canada, in other words, how is Montreal’s drinking water quality?

Balarama Holness

Balarama Holness running for Montreal Mayor

For many, Balarama Holness will always be the former Canadian football safety who won the Grey Cup Championship with the Montreal Alouettes in 2010 despite the fact that a  series of injuries cut short his football career. A few years ago, Montrealers got to take another look at the local star athlete when Holness represented Projet Montréal in the 2017


I’M YOUR MAN: Love and robotics

I’M YOUR MAN – This film, directed by Maria Schrader, is Germany’s entry in the Foreign Language section of the Oscars for 2022 (its original German title is “Ich bin dein Mensch”). It is a comedy that touches on some very relevant issues in these highly technological times. Alma (Maren Eggert) is an accomplished researcher

James Bond movies

Life lessons James Bond movies have taught us

So many generations have grown up with James Bond movies by now. The suave British super spy has been in the centre of cinematic attention for over fifty years. The action-packed films aren’t all about the nerve-twisting chases and way more than fifty shades of cool, though. As a character, James Bond has a certain

Mtltimes Subscription

The latest on what’s moving Montreal and the world – delivered straight to your inbox