Updated September 28, 2026 · SumCue Editorial Team
ForteBank vs LowestRates.ca
ForteBank
Higher score in this comparison
LowestRates.ca
What sets them apart
| Compare | ForteBankReviewSee alternativesSee alternatives | LowestRates.caReviewSee alternativesSee alternatives |
|---|---|---|
| APR | KZT 18.70 to KZT 46 | 10% |
| Loan amount | KZT 50,000 to KZT 9,500,000 | CA$500 to CA$45,000 |
| Arrangement fee | 0% | 0 |
| Funding time | Shortly after signing the loan agreement, credited to the client's account | within 24 hours |
| Lender type | Direct lender | Marketplace |
| Eligibility | Citizens of the Republic of Kazakhstan, from 20 years old to retirement age at loan maturity; not issued to non-residents | 18 or older, Canadian residency, Canadian bank account, minimum 12 months credit history, minimum income $1,250 per month, employed at least three months |
| Loan types | Personal, Debt consolidation, Secured, Car, BNPL | Personal, Debt consolidation, Business, Car, Bridging, Student |
| Term | 13 months | Not confirmed |
| Credit check | Not confirmed | Soft prequal |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- ForteBank scores higher overall: 8.9 vs 8.8.
- Founded is lower at LowestRates.ca: 2012 vs 2015.
- Support channels: only ForteBank offers Phone, Email.
- Pricing model: only ForteBank offers Fixed rate.
- Pricing model: only LowestRates.ca offers Monthly.
- Loan types: only ForteBank offers Secured, BNPL.
- Loan types: only LowestRates.ca offers Business, Bridging, Student.
Our verdict on each
ForteBank
ForteBank suits Kazakhstan residents who want a high headline rate on a fixed deposit and still keep access to their money. Interest is paid daily and early closure is at the contract rate, so the 15.3% headline does not lock the whole balance away.
LowestRates.ca
LowestRates.ca suits Canadian households who want to price cover, borrowing and a mortgage in one pass, because it is a comparison site and a marketplace rather than a provider of its own. Entry premiums start at CAD 0, personal loans run CAD 500 to CAD 45,000, and early repayment is free.
Score breakdown
| Area | ForteBank | LowestRates.ca |
|---|---|---|
| Cost | Not confirmed | 9.5Costs sit low across products: the loan origination fee is 0 and the mortgage product fee is CAD 0, against an APR of 10%. |
| Offer | 9.6HigherHeadline rate of 15.3% on a fixed basis, term of 13, minimum deposit of KZT 1,000 and interest paid daily. | 8.6 |
| Trust | 8.5Higher | 8.3 |
Side by side, item by item
| Loan types | ForteBank | LowestRates.ca |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
| BNPL | Yes | No |
| Bridging | No | Yes |
Where each is licensed and available
| Country | ForteBank | LowestRates.ca |
|---|---|---|
| Kazakhstan | Not confirmed |
Additional countries for ForteBank: 1. Additional countries for LowestRates.ca: 1.
Where they rank in our lists
| Ranking | ForteBank | LowestRates.ca |
|---|---|---|
| Loans | 781 of 2043 | 907 of 2043 |
| Personal loans | 697 of 1317 | 806 of 1317 |
| Mortgages | 345 of 853 | 394 of 853 |
| Credit and debit cards | 596 of 1594 | 694 of 1594 |
Where these facts come from
ForteBank
- bank.forte.kz: 11 facts, checked September 26, 2026
- forte.kz: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- faq.forte.kz: 1 fact, checked September 26, 2026
LowestRates.ca
- lowestrates.ca: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | ForteBank | LowestRates.ca |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Legal entity | JSC ForteBank | Rates.ca Group Ltd. |
| Headquarters | Kazakhstan | Canada |
| Founded | 2015 | 2012Lower |
| Support channels | Phone, Email, Help centreCovers more | Help centre |
Mortgages
| Fact | ForteBank | LowestRates.ca |
|---|---|---|
| Initial rate | 1% to 17.2%Lower | 3.89% |
| APRC | 1.25% to 20% | Not confirmed |
| Fixed period | 1 to 15 yearsHigher | 5 years |
| Maximum loan to value | 80% | 80% |
| Product fee | Not confirmed | CA$0 |
| Purpose | Purchase | Purchase, Remortgage, First time buyer, Home equityCovers more |
Where each stands against the rest
| Fact | ForteBank | LowestRates.ca | Median |
|---|---|---|---|
| Term | 13 monthslowest quarter | Not confirmed | 60 months |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
ForteBank
Pros
- Headline rate of 15.3% on a fixed basis, well above the site median of 3%
- Interest is paid daily and the account can be replenished at any time
- Free early repayment, so the deposit is not locked for the full term
Cons
- Support runs on phone, email and help centre only, with no live chat or community channel
- The term of 13 is shorter than the fixed-deposit median of 36
- Loans carry an APR of KZT 18.70 to KZT 46, well above the site median of 15.5%
LowestRates.ca
Pros
- Premiums start at CAD 0, the floor of the insurance table and the easiest figure to sort on.
- Personal loans run CAD 500 to CAD 45,000 and the credit check is soft prequal, so a reader can see the price without a full search.
- Free early repayment is available, so a loan can be cleared ahead of schedule without a charge.
Cons
- Support runs on help centre only, so a question about a live application has fewer routes than a staffed desk.
- Loan amounts run CAD 500 to CAD 45,000, so a renovation or consolidation bill near the top of that range needs a different product.
- The fixed period of 5 is short against a wider market where the longest fixes reach 40.
Who each suits
ForteBank
Who it suits
- Kazakhstan residents saving in tenge who want a high fixed rate with daily interest
- Savers who keep some funds accessible and value free early repayment
- Households that also want consumer credit and mortgages from the same bank
Who should look elsewhere
- Savers who want a live chat or community support, since support runs on phone, email and help centre
- People planning a mortgage, as the initial rate of 1% to 17.2% is high against the site median of 4.69%
- Borrowers wanting a low rate, since the APR of KZT 18.70 to KZT 46 sits well above the site median of 15.5%
LowestRates.ca
Who it suits
- Canadian households comparing auto, home and life cover who want a starting price before they apply.
- Borrowers who would rather see a rate than have a file searched, since the loan search runs as soft prequal.
- Homebuyers with a purchase or a remortgage in view, since mortgage quotes cover purchase, remortgage and first time buyer.
Who should look elsewhere
- Readers who want a single provider behind the cover rather than a table, where Linxea sets its own starting premium of €25.
- Anyone starting from a bank app rather than a comparison, such as bunq or bunq Spain, which also show a starting premium of €0.
- Applicants without Canadian residency, a Canadian bank account and a credit history of a minimum length.
Current offers
ForteBank
Current offer
First period offer
ForteMobile first month at a discount when connecting via ForteApp: First month of subscription at a discount
Use the ForteApp application and activate ForteMobile; up to 10 numbers per registration
Source, checked September 26, 2026
Country by country
| Country | ForteBank | LowestRates.ca |
|---|---|---|
| Canada | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
ForteBank
What rate does ForteBank pay on this deposit?+
The account pays a fixed headline rate of 15.3% in tenge. The rate type is fixed and the model is fixed rate, so it does not move with the market. Interest is credited daily rather than at the end of the term.
How much can I put in, and how long do I commit?+
The minimum deposit is KZT 1,000, which is among the lower entry points for fixed accounts. The term is 13, shorter than the fixed-deposit median of 36. Early closure is allowed at the contract rate.
LowestRates.ca
What is the starting premium at LowestRates.ca?+
Entry premiums start at CAD 0, which is the figure shown at the top of the insurance table. Because LowestRates.ca is a comparison site, that is a starting point for cover rather than a quote for an individual risk. The price a reader pays is set by the insurer that returns the quote.
Can I pay for insurance monthly?+
Monthly payments are available on the insurance side, with monthly as the listed payment model. That spreads a policy into regular amounts across the year rather than a single larger payment. Readers who budget tightly can plan around a fixed sum instead of a yearly bill that lands at once.
Other options to compare
Other matchups
ForteBank
LowestRates.ca