How ratings work
Each provider is scored from 1 to 5 on several factors using its published fees, features and eligibility. The factor scores are weighted and combined into the Treasi rating. Ratings are reviewed when providers change their terms.
Corporate cards
| Factor | Weight | What we look at |
|---|
| Fees and cost at your spend | 30% | Annual and monthly fees, transaction costs and what the card costs at typical spend levels. |
| Rewards and cashback | 20% | Cashback rates, rewards and any caps or conditions. |
| Spend controls and expense tools | 20% | Card limits, approvals, receipt capture and expense management. |
| Multi-currency and FX costs | 15% | Foreign transaction fees, currencies held and conversion costs. |
| Eligibility and personal guarantee | 15% | Who can apply and whether a personal guarantee is required. |
Foreign exchange
| Factor | Weight | What we look at |
|---|
| FX margin and fees | 35% | The margin over the mid-market rate plus transfer and account fees. |
| Hedging and risk tools | 20% | Forward contracts, options, limit orders and other risk tools. |
| Currencies and coverage | 15% | Currencies supported and countries you can pay into. |
| Speed and ease of use | 15% | Transfer speed, onboarding and day-to-day platform use. |
| Integrations and payouts | 15% | Accounting integrations, API access and bulk payouts. |
Business banking
| Factor | Weight | What we look at |
|---|
| Fees and cost | 30% | Monthly fees, transaction fees and transfer costs. |
| Interest and yield | 15% | Interest paid on balances and any conditions. |
| Multi-currency and FX | 20% | Foreign currency accounts and conversion costs. |
| Features and integrations | 20% | Cards, invoicing, accounting integrations and other tools. |
| Protection and access | 15% | Deposit protection, support and branch or online access. |
Payments
| Factor | Weight | What we look at |
|---|
| Rates and fees | 35% | Processing rates, fixed fees and monthly costs. |
| FX and international costs | 20% | Cross-border card fees and currency conversion costs. |
| Recurring and SaaS features | 15% | Subscriptions, invoicing and recurring billing tools. |
| Payment methods | 15% | Cards, wallets, bank debits and in-person payments supported. |
| Transparency and contract terms | 15% | How clearly pricing is published and any contract or exit terms. |
Where our data comes from
Providers’ published pricing pages, terms and product information, and Bank of Canada daily exchange rates for currency data.
Keeping it current
Each provider page shows when it was last updated. We recheck providers regularly and whenever their terms change.