Limitless Deposits. Unlimited Growth.
Offer term deposits and GICs with a composable core banking solution trusted by Canada’s financial institutions.
Launch GICs Across Canada & Scale Fast.
Investor-Ready. Broker-Connected. Nationwide. Scale deposits fast by delivering flexible, investor-ready Guaranteed Investment Certificates (GICs) across Canada. With automated nominee- and client-name processing and seamless broker integration, you can create term deposit and GICs quickly and generate the deposits your financial institution needs to fund lending, drive growth, and meet the evolving financial needs of Canadians.
Put Your Bank on Autopilot.
Accelerate Growth with Self-Driving Term Deposits.
Built for Canadian banks, credit unions, and trust companies, our Term Deposits & GICs solution integrates seamlessly with existing systems and other Portfolio+ core banking components, providing a flexible foundation for deposit operations that leverages powerful automation technology trusted by leading Canadian financial institutions.
Automate Deposit Operations
Automate sales, postings, and administration to eliminate manual effort and speed time to market. With configurable renewals, maturity reminders, and rollovers, your institution can reduce errors, retain business, and manage deposits efficiently at scale.
Offer GICs for Every Canadian
Provide market-linked, index-linked, cashable, and traditional short-term and long-term GICs to meet the diverse goals of growth-focused and risk-averse Canadian investors—rollovers, splits, and transfers included.
Expand Market Reach
Seamlessly connect with Canada’s broker networks to distribute nominee-name deposits and GICs across the country, reduce administrative overhead, streamline KYC processing, and efficiently manage broker incentives, rates, and commissions.
Launch API-Driven Deposit Experiences
Launch client-name GICs or create digital self-serve term deposits, with automated notifications, confirmations, and real-time updates. With an API-first architecture, you’re ready for open banking and new experiences.
4 of the 6 largest financial institutions in Canada trust Portfolio+ to power their deposit and GIC growth.*
Craft GICs that Are Right for You
Create pre-configured or fully flexible term deposits and GICs directly in the system. Set interest rates, terms, confirmations, redemptions, and automate rollovers, re-registrations, and interest payments to retain client business.
- Market-linked, index-linked, cashable, and traditional GICs
- Variable, fixed, stepped, and adjustable-rate options
- Configurable rollovers, splits, and transfers
- Supports both short- and long-term client investment horizon
Streamline Deposit Sales & GIC Processing
Automate deposit workflows from sales and posting to maturity tracking. Built-in notifications, reminders, and digital certificates handle confirmations, re-registrations, and interest payments, reducing manual effort and operational risk.
- Automated sales, posting, and administration via CANNEX GIC Exchange
- Configurable renewal and early renewal options
- Automated maturity reminders reduce errors
- Digital certificates and confirmation letters enhance client communication
Leverage a Direct Interface to the CANNEX GIC Exchange
Distribute nominee-name deposits seamlessly through Canada’s broker networks using the CANNEX GIC Exchange, while managing rates, tiered incentives, and commission settlements efficiently.
- Seamless nominee-name deposit distribution through Canada’s broker networks
- Multi-channel distribution via brokers and APIs
- Broker rate management, tiered incentives, and commission settlement options
- Reduces administrative overhead and accelerates deposit growth
Manage Compliance & Risk with Key Tools & Reports
Ensure regulatory alignment and reduce operational risk with built-in tools that track deposit insurance eligibility, enforce AML/KYC requirements for client-name deposits, and support FATCA/CRS reporting.
- CDIC and provincial deposit insurance tracking for client-name and nominee-name accounts
- PCMLTFA compliance tools enforce AML, PEP, and KYC requirements
- FATCA and CRS support for international compliance
- Audit-ready reporting ensures transparency and regulatory alignment
*Based on TSX market capitalization figures retrieved October 2025.
Fairstone Bank of Canada Launches GICs on Portfolio+
Read how the Portfolio+ Term Deposits & GICs solution enabled Fairstone Bank of Canada to:
- Accelerate growth and scale deposits to over $18 billion using Canada’s broker network.
- Grow nominee deposits from ~$120 million to over $2 billion in less than three years.
Let us show you how your bank can unlock limitless deposits.
Optimizing GICs for a Return to a Safer Return
Something unusual happened with GICs. Amid rising interest rates, record high inflation, and ongoing market volatility in the early 2020s, Canadians poured an overwhelming amount of money into GICs and fixed-term deposits. In fact, within a period of just eight months in 2022 alone, Canadians pumped roughly $152 billion into them. It’s an unusual spike in demand for an investment product that promises guaranteed returns that can fail to match the rate of inflation. Optimizing GICs for a Return to a Safer Return explores the true value of GICs in Canada and their importance in a high inflationary, unpredictable environment, offering steps banks and financial institutions can take to better prepare, control, and optimize GIC sales for these kinds of unexpected spikes in demand.
Term Deposits Resources
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