Senior discounts you can actually use in Ontario

BMO

A seniors discount on eligible everyday banking plans from age 60. Note that BMO's dedicated Senior Plan has been discontinued and is no longer available to new customers, so ask which current plan carries the discount.

The saving depends on which plan you hold rather than being a single published figure. BMO's own fee documents confirm the old Senior Plan is closed. Their lowest-cost everyday option, the Primary Chequing Account on the Practical Plan at $4.00 a month, is open to everyone rather than being a senior rate.

• 60+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

CIBC

No monthly account fee on the CIBC Smart Account from age 65, under CIBC Smart for Seniors. The monthly fee is also rebated on the CIBC Everyday Chequing Account, and Interac e-Transfer fees are waived for clients 65 and older.

Eligibility is automatic when you turn 65. The basic account includes 18 transactions a month, with $1.25 for each additional transaction. CIBC also runs a resource centre aimed at clients 60 and over, but the fee waiver itself starts at 65.

• 65+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Meridian Credit Union (Ontario)

Two dedicated senior chequing accounts from age 60: Senior Everyday Chequing with monthly transactions included and the fee waived on a $2,000 minimum balance, and Senior Unlimited Chequing with unlimited self-serve transactions and the fee waived on a $5,000 minimum balance.

You must be a Meridian member, which means opening a membership share. The package fee applies below the minimum-balance thresholds.

• 60+
• Meridian membership

RBC Royal Bank

A Seniors Rebate on the monthly account fee from age 65. RBC Day to Day Banking costs $0 a month for eligible seniors, and other chequing accounts including RBC Advantage Banking and RBC Signature No Limit Banking get a monthly fee rebate.

Applied automatically, with no need to apply. Only one monthly fee rebate applies per account owner, so the Seniors Rebate cannot be stacked with the Value Program Rebate; RBC applies whichever is worth more that month. RBC also publishes a separate 55+ Advantage fee waiver, so it is worth asking which you qualify for.

• 65+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Scotiabank

An automatic monthly account fee discount from age 60: up to $7 a month on the Ultimate Package and up to $4 a month on other eligible accounts including the Preferred Package. The Basic Banking Account monthly fee of $3.95 is waived for seniors entirely.

Applied automatically to eligible accounts once you are 60. The amount depends on which account or package you hold.

• 60+

TD Canada Trust

A monthly fee rebate on select chequing accounts from age 60. TD Every Day Chequing drops from $11.95 to $8.20, TD All-Inclusive Banking drops from $30.95 to $22.45, and TD Unlimited Chequing gets a $6 rebate.

You must provide proof of age to confirm eligibility, ideally when the account is opened. A rebate on the TD Minimum Chequing Account is available to seniors receiving the Guaranteed Income Supplement. Note that TD's "60 Plus Checking" is an American product and does not apply in Canada.

• 60+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

IRIS Optometrists and Opticians (CARP members)

IRIS certificates for CARP members and their immediate family: $150 towards prescription eyeglasses or prescription sunglasses (frame plus fully coated lenses, minimum $250 lens value), $50 towards progressive lenses or non-prescription sunglasses over $100, $25 towards single-vision lenses, $50 towards an annual contact lens supply, and $250 towards laser eye surgery on both eyes.

CARP membership required; certificates carry minimum purchase values as listed and cover immediate family too. Complete pairs are covered by IRIS's No-Matter-What Guarantee.

• no age test — CARP membership
• CARP

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Rexall

20% off regular-priced items every Tuesday for shoppers aged 55 and over, through Rexall's Seniors' Tuesday programme.

Every Tuesday. Applies to regular-priced items.

• 55+

Shoppers Drug Mart

20% off almost all regular-priced merchandise every Thursday, when you scan a PC Optimum card. The discount is capped at $50.

A PC Optimum card is required. Savings are capped at $50 per visit. Excludes tobacco, lottery, alcohol, gift and prepaid cards, transit and event tickets, post office transactions, prestige cosmetics and fragrance, passport photos, and pharmacy transactions. Bring photo identification.

• PC Optimum card

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Bulk Barn

15% off regular priced products every Wednesday for shoppers aged 65 and over, under Bulk Barn's Seniors and Students Discount.

Every Wednesday. Valid identification must be provided. Applies to regular priced products only, excludes gift cards, and restrictions may apply during certain promotions. Bulk Barn prints the 15% in the graphic on its discount page rather than in the page text; the same page states the Wednesday, the age of 65 and the conditions.

• 65+

Giant Tiger

10% off before taxes on select products, in store only, on the first Monday of every month, for shoppers aged 60 and over, at select Giant Tiger stores.

Select stores only, so ask your local Giant Tiger whether it takes part before making the trip. In store purchases only, on select products, with the 10% taken off before taxes. If your store is closed on the first Monday, the discount applies on the first Tuesday of that month. Giant Tiger's help centre confirms Seniors Day is for customers aged 60 and over at participating stores.

• 60+
• Varies by location

Michaels

10% off every day, in store and online in Canada, for shoppers aged 55 and over, with valid identification or age verification through the free Michaels Rewards program.

Show valid identification, or complete the age verification in your Michaels Rewards account and give your Rewards phone number at checkout. Limit of one coupon per product and one coupon of each type per day, limited to stock on hand. Michaels' headline says regular and sale price purchases, but its own exclusions list promotional and sale items, so count on it for regular priced items and ask at the till about sale items. Also excluded: the Everyday Value program, clearance, buy and get items, custom framing, balloons and inflation, beverages and candy, books and magazines, rolled posters, classes, birthday parties and private events, gift cards, AURA digital frames, and Cricut, Silhouette, Kodak, Singer, Brother and Elf on the Shelf products. Exclusions can change.

• 55+

Pet Valu

10% off all regularly priced merchandise on the last Thursday of every month, for Your Rewards or VIP Plus members aged 60 and over.

You must be a Your Rewards member, which is free to join, and at least 60. Applies to regularly priced items only, at Pet Valu locations across Canada.

• 60+
• Your Rewards (free)

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Salvation Army Thrift Store

10% off every day at participating Thrift Store locations for shoppers aged 60 and over.

Participating locations only, and it cannot be combined with any other promotional offer. There are 95 Thrift Store locations across Canada; questions go to guest services at 1-855-984-8378.

• 60+
• Varies by location

RONA

10% off regular-priced items on the first Tuesday of every month for shoppers aged 55 and over, at RONA and RONA+ stores.

Show photo identification with your date of birth at the register. Limit of 15 units of the same product. Cannot be combined with other offers. A long exclusion list applies: major appliances, electrical wire, water heaters, lawn tractors, construction lumber, shingles, gypsum panels, heating pellets, protection plans, installation, delivery, labour, gift cards, special orders and clearance.

• 55+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

McDonald's Canada

20% off any size Premium Roast coffee or tea for guests 55 and over (65 and over in Quebec).

The clearest official statement of this offer is from a 2022 McDonald's Canada announcement, so treat it as subject to change and ask at the counter. Separately, and open to everyone, McDonald's has been running a $1 small McCafé coffee promise, which may be cheaper than the senior discount on a small.

• 55+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Tim Hortons

No national senior discount. Individual restaurants may offer one at the manager's discretion, sometimes for limited periods.

Tim Hortons' own help centre states there are no year-round senior offers in the app, and that in-store senior discounts depend on the individual location. Ask at your local restaurant; do not expect it.

• Varies by location

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Denny's Canada

15% off all regular menu items for guests aged 55 and over, on Thursdays between 2pm and 10pm, plus a dedicated 55+ menu available every day.

The 15% offer is dine-in only, Thursdays 2pm to 10pm, excludes the kids' menu and alcohol, and cannot be combined with other offers. It is not valid at the Nepean, Woodbridge, Brampton and St. Thomas locations, so check before travelling to those. The 55+ menu itself, with items like turkey dinner and fish and chips, is available any day.

• 55+
• Varies by location

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

IKEA Canada (restaurant)

The 20% off Tuesday meal offer for seniors ended on 31 August 2026 and is not in IKEA Canada's current offers or store events.

Checked at source on 6 September 2026. If IKEA brings the offer back it will be listed again here. IKEA Family membership is free if you want to watch their events page.

• IKEA Family (free)

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Mandarin Restaurant

20% off the buffet for guests aged 65 and over with valid photo identification, offered year-round at Mandarin locations.

Bring photo identification. Prices are subject to change, so confirm with your local Mandarin. Children 5 to 12 eat at half price and children 4 and under are free, two per paying adult, which helps when grandchildren come along.

• 65+

GO Transit

Seniors aged 65 and over save 55% on GO Transit fares, using a PRESTO card, a GO e-ticket or a paper ticket.

The senior fare type has to be set on your PRESTO card in person, at Union Station or a Customer Service Outlet, after which PRESTO applies the discount automatically.

• 65+
• none, but a PRESTO card must be set to the senior fare type in person

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

OC Transpo (Ottawa)

Free travel on all OC Transpo buses and the O-Train every Wednesday and every Sunday for seniors 65 and over, using a PRESTO card set to the senior discount. On other days the senior single ride is $3.28 by PRESTO and the senior monthly pass is $59.75, and seniors with a registered PRESTO card get four free Para Transpo trips a month.

Senior fares must be paid with a PRESTO card and cannot be paid by cash, debit or credit, so there is no longer a cash senior fare. The free Wednesday and Sunday rides do not apply to Para Transpo. You may be asked for proof of age. Set the senior discount on a new or existing PRESTO card at the OC Transpo Customer Service Centre in the Rideau Centre or at a participating Shoppers Drug Mart, Loblaws, Real Canadian Superstore or No Frills; there is no fee to set it on a card you already have.

• 65+
• none, but a PRESTO card set to the senior fare

Toronto Transit Commission (TTC)

A senior single fare of $2.25 by PRESTO, debit or credit, against an adult fare of $2.35, or $2.30 in cash against an adult $2.40, for riders aged 65 and over. Monthly fare capping now applies to senior fares: after 47 paid trips in a calendar month with the same payment method, the rest of that month's trips are free.

The TTC Senior Monthly Pass and Senior 12 Month Pass were discontinued on 31 August 2026 and fare capping replaced them, so the old note that the senior pass cost the same as the adult pass no longer applies. You must carry photo identification as proof of age: a driver's licence, an Ontario Photo Card, or an existing TTC Senior's Photo ID, which the TTC no longer issues. The senior fare type has to be added to a new or existing PRESTO card in person at a Shoppers Drug Mart or a participating Customer Service Outlet, with proof of age.

• 65+
• none, but a PRESTO card must be set to the senior fare type in person

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

VIA Rail

15% off Economy Plus, Business and Business Plus fares for passengers aged 65 and over, any day of the week, on all VIA Rail routes across Canada, when you book at least 30 days ahead and choose the passenger type Senior (65+). Book by 5 January 2027 for travel between 9 September 2026 and 30 April 2027.

Book at least 30 days in advance and select Senior (65+) as the passenger type; VIA says conditions apply and discounted seats on each train are limited. VIA separately offers CAA members up to 20% off and runs Discount Tuesdays with the code TUESDAY, so compare before you book rather than assuming the senior fare is the cheapest.

• 65+
• none for the senior fare; the CAA offer is separate and needs CAA membership

York Region Transit

A senior single fare of $2.60 by PRESTO card or PRESTO in a mobile wallet, against an adult PRESTO fare of $4.24 and a $4.65 cash fare, for riders aged 65 and over, plus free travel after 28 paid trips in a calendar month under YRT's fare capping.

These are the fares in force since the increase of 1 July 2026. The $4.65 cash, credit or debit fare is the same for every age group, so the saving only comes with a PRESTO card set to the senior fare type, and fare capping only works with PRESTO. Seniors may also qualify for the Government of Ontario Seniors' Public Transit Tax Credit.

• 65+
• none, but a PRESTO card set to the senior fare

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

City of Toronto snow clearing

Sidewalk snow clearing is now provided to residents directly by the City as part of regular winter maintenance, covering roughly 98% of Toronto sidewalks, so seniors no longer need to apply for a separate assistance programme.

This covers sidewalks, not your own driveway or private walkway. For private property, community agencies run brokered snow-clearing services for seniors and people with disabilities, usually for an hourly fee, and subsidies are sometimes available. Call 211 Ontario to find an agency near you.

• not applicable, this is now a service to all residents

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Enbridge Gas (Ontario)

Golden Age Service, free for customers 65 and over: pay your monthly gas bill when your Canada Pension Plan payment arrives, with no late-payment penalty.

Sign in or register on the Enbridge site and set it up under Manage My Account, or call. Note this aligns your due date with your CPP payment; it is not a discount on the gas itself. Enbridge generally does not take security deposits from residential customers anyway, so the directory's framing of a deposit waiver overstates what the programme does.

• 65+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

TELUS Mobility for Good for Seniors

For seniors receiving the Guaranteed Income Supplement: unlimited nationwide talk and text with 3GB of data for $25 a month, plus a free certified pre-owned smartphone on a two-year term, or bring your own device, or take $75 off a refurbished phone through Mobile Klinik.

Apply online with details matching your T4A(OAS) document; TELUS reviews applications within about a week and emails a verification code. A companion Internet for Good programme for low-income seniors also exists.

• not an age test — eligibility is receiving the federal Guaranteed Income Supplement
• none, but you must receive the GIS

Avis (CARP members)

Up to 25% off car rentals for CARP members, plus Aeroplan points on qualified rentals and free enrolment in Avis Preferred.

CARP membership required; book with the CARP discount code.

• no age test — CARP membership
• CARP

Best Western

Discounted room rates for guests 55 and over: a minimum 10% saving, and up to 15% at participating hotels, which also covers AARP and CARP members.

Proof of age is requested at check-in. Book the senior rate directly with Best Western. Participation and the exact percentage vary by hotel.

• 55+
• none for the 55+ rate

Budget (CARP members)

Up to 25% off car rentals for CARP members, with free enrolment in Budget Fastbreak and AIR MILES on qualified rentals.

CARP membership required; book with the CARP discount code.

• no age test — CARP membership
• CARP

Choice Hotels

Up to 10% off with advance reservations for guests 60 and over, booked as the Senior/AARP rate. CARP members can get 15% off regular room rates through the CARP benefit instead.

Book ahead and select Senior/AARP from the special-rate dropdown, or call the reservation line. Participating hotels only. The CARP route requires a CARP membership and is the better rate where both apply.

• 60+ for the senior rate; any age with CARP membership
• none for the 60+ rate; CARP for the 15% rate

Hertz

Up to 20% off base rates for travellers aged 50 and over, through the Hertz Fifty Plus programme.

Book through the Hertz Canada 50 Plus page or quote discount code CDP 2007815. The base rate covers time and mileage only; taxes, fees and options are not discounted. The discount varies with the date, location, rental length and car class and will not apply in every case, and Hertz verifies age with government issued identification.

• 50+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Hilton (CARP members)

15% off the Flex Rate, when available, for CARP members at Hilton brands including DoubleTree, Hampton, Hilton Garden Inn, Embassy Suites, Home2 Suites and Homewood Suites.

CARP membership required. Applies to the Flex Rate when available, at participating properties.

• no age test — CARP membership
• CARP

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Sandman Hotels

Up to 25% off the standard rate for guests aged 55 and over, plus a $10 food and beverage gift card per guest per night, at participating Sandman and Sandman Signature hotels.

Proof of age at check-in. New bookings only, subject to availability, blackout dates possible, and it cannot be combined with other offers. Free cancellation up to 24 hours before check-in.

• 55+

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Park'N Fly (CARP members)

20% or more off regular airport parking rates for CARP members, at Canadian airports including Toronto and Ottawa.

CARP membership required. Locations include Toronto, Ottawa, Montreal, Vancouver, Edmonton, Winnipeg and Halifax.

• no age test — CARP membership
• CARP

Art Gallery of Ontario

No senior-specific admission rate is currently published. Instead, everyone gets in free on the first Wednesday night of each month, and the AGO Annual Pass at $40 costs only $10 more than one adult single-day ticket at $30, which is the better route for anyone visiting twice.

First Wednesday Night Free runs from 6pm to 9pm, and the AGO asks you to book the free General Admission tickets online in advance to ensure entry. Adult single day admission for 18 and over is $30; the Annual Pass is $40 for unlimited visits for 12 months. Ontarians under 25 get in free all year.

• no age requirement for the free Wednesday nights or the pass

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Canadian Museum of History & Canadian War Museum (Ottawa/Gatineau)

Senior admission for visitors aged 65 and over is $23 at the Canadian Museum of History in Gatineau against $25 for an adult, and $21 at the Canadian War Museum in Ottawa against $23 for an adult, with a further 10% off when you book online and a 15% discount on Individual and Family memberships for seniors 65 and over.

Both museums are free for everyone on Thursdays from 5pm to 7pm, on Canada Day, on the National Day for Truth and Reconciliation on 30 September, and on Remembrance Day on 11 November. Children 17 and under are free. The two museums are run by the same institution and each publishes its own senior price.

• 65+

Royal Ontario Museum

A senior ticket on general admission, priced under the ROM's Plan Ahead Pricing, so the price changes with the date you visit and is lower the earlier you book. Everyone gets in free on the third Tuesday of every month from 4pm to 8:30pm, and arriving by PRESTO or GO Transit gets 15% off regular admission.

Prices for each date are on the ROM ticketing calendar, and buying at least a day ahead is always cheaper than paying on the day. The ROM's pricing pages do not state the qualifying age for the senior ticket, so check the calendar or ask at the admissions desk. Third Tuesday Nights Free need an advance reservation, released two weeks before, and exclude special exhibitions. The source directory's flat 8% off no longer describes how the ROM prices admission.

• not stated on the ROM's pricing pages

Terms differ from the version circulating on other discount lists. The wording above is what the company currently states.

Cineplex

A senior admission price on regular tickets, cheaper than general admission.

The price varies from theatre to theatre, so check your local Cineplex listing. Separately, and open to everyone rather than seniors only, Cineplex runs discounted Tuesday pricing which is often the cheapest way to see a film.

• 65+
• Varies by location

Landmark Cinemas

Senior's Day every Monday: 20% off the senior admission price and 20% off concession, for seniors aged 65 and over.

Mondays only, and valid on new releases only. Surcharges still apply for premium formats including RealD 3D, Laser Ultra, EXTRA, XTREME, IMAX and Premiere Seating. Base prices vary by location, so check your local cinema.

• 65+
• Varies by location

Parks Canada

A senior Discovery Pass at $71.50 for visitors aged 65 and over, against $83.50 for an adult, covering admission to more than 80 Parks Canada places for 12 months, plus a lower senior rate on daily admission at every site, for example $8.75 against $10.00 at Bruce Peninsula National Park and $8.50 against $10.00 at Bethune Memorial House in Gravenhurst.

Youth 17 and under are free everywhere. A family or group Discovery Pass for up to seven people in one vehicle is $167.50, which beats two senior passes. Regular fees apply again from 8 September 2026, after the Canada Strong Pass free admission period ended on 7 September 2026. Daily rates differ by site and are on each site's own fees page.

• 65+