Does Desjardins work with Lodavo? How to connect your Desjardins account

If you bank with Desjardins, the short answer is yes: Desjardins works with Lodavo. Desjardins is Canada’s largest cooperative financial group, and it’s named directly on Plaid’s Canadian network. Because Lodavo connects to your account through Plaid with read-only access, a Desjardins chequing, savings, or TFSA balance links in a couple of minutes, and your money never leaves your caisse.

How to connect your Desjardins account to Lodavo

Connecting takes about two minutes inside the Lodavo app:

1. Download Lodavo (free) and create your account.
2. Tap to connect a bank and choose Desjardins from the list.
3. Sign in on the secure Plaid screen with your AccèsD credentials, the same ones you use at desjardins.com. You enter them on the bank-connection screen, not by handing your password to Lodavo.
4. Pick the Desjardins account you want Lodavo to track, and you’re done.

From then on, Lodavo reads your balance each week and turns what you have saved into free tickets for that week’s draw. You move no money to set this up.

Is it safe? What Lodavo can and cannot see

Yes, and the access is deliberately narrow. Desjardins has its own dedicated institution page on Plaid’s Canadian network (opens in a new tab), so connections are well supported, and Lodavo only ever receives a read-only view.

In practice, that means two things for you:

• Lodavo never sees your AccèsD login. You authenticate through Plaid’s secure flow, and Lodavo receives scoped, read-only access, not your username and password.
• Lodavo cannot touch your money. Read-only access lets Lodavo check your balance to award tickets. It cannot move, hold, withdraw, or charge anything. Your savings stay in your Desjardins account, earning whatever your caisse already pays you.

Lodavo is built so it never holds or moves your money, and the weekly draw is independently verifiable. You can see how both work on our provably fair page, and you can disconnect Desjardins from inside Lodavo whenever you want.

Which Desjardins account should you track?

Connect the Desjardins account where your savings actually sit. Most members link one of:

You can connect more than one Desjardins account, and the balances simply add up. The one thing Lodavo cannot track yet is an investment or brokerage account, such as Desjardins Online Brokerage (Disnat) or a self-directed TFSA, so stick to chequing and savings accounts where your money sits as a cash balance. Lodavo only reads the balance, so the more you keep saved across the accounts you choose, the more tickets you earn. There’s no minimum.

Troubleshooting a Desjardins connection

If a connection doesn’t go through on the first try:

• Make sure you’re entering your current AccèsD login on the secure connection screen, exactly as you would on desjardins.com.
• Complete any verification step Desjardins prompts you with (a one-time code, for example).
• If a previously linked account stops updating, reconnect it from inside Lodavo to refresh the link.

Desjardins has a dedicated page on Plaid’s network, so connections are well supported and most issues clear up with a quick reconnect.

Why prize-linked savings fits Desjardins members

Canadians aren’t saving much right now. The household saving rate slipped to 3.5% in the first quarter of 2026, the lowest since early 2024, according to Statistics Canada (opens in a new tab). Prize-linked savings is built for exactly that problem: it adds a fun reason to keep money set aside, without asking you to lock it up or move it.

There’s a second reason it fits Desjardins members in particular. Desjardins has more than 7 million members and clients, and most of them live in Quebec, the one province that gets left out of contests more than any other. Lodavo is the opposite: it’s built in Montreal, runs in French and English, and the weekly draw is fully open to Quebec residents. You keep your money in your own Desjardins account and still get a shot at winning. Save, earn tickets, and you’re entered into a free weekly draw for up to $10,000, with a guaranteed prize of at least $100 going to a user every week.

Terms and conditions apply. No purchase necessary (alternate method of entry available). Skill-testing question required. Open to legal residents of Canada who are the age of majority. Odds depend on the number of eligible entries received. Full rules and odds at our contest rules.