Gift cards Канада


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Gift cards Канада

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10$ iTunes Gift Card (Canada) — гарантия от Macstore

Попробуйте поискать похожий товар у других продавцов.

Продажа товара приостановлена.

Попробуйте поискать похожий товар у других продавцов.

Продаж: 32 последняя 22.05.2020
Возвратов: 0

Продавец

Описание товара

Вы покупаете карту для КАНАДСКОГО AppStore. Она не подходит для Appstore США.
Вы покупаете код с оригинальной пластиковой карты (iTunes Gift Card Canada). Все карты находятся в наших магазинах в оригинальном виде — пластиковая карта.
100% работоспособность гарантирует сеть магазинов Macstore (Киев, Днепропетровск, Симферополь).
Цена акционная.

Что такое iTunes Gift Card?
iTunes Gift Card для Канадских Apple ID — это 16-значный код который дает возможность приобретать любой виртуальный контент в абсолютно всех цифровых магазинах компании Apple (AppStore, Mac AppStore, iBookStore, iTunes Store). Как только Вы вводите код, на Ваш Apple ID мгновенно перечисляется полная сумма номинала. Apple ID — это логин/пароль, вводимый при покупке чего-либо в AppStore. Он универсален для всех магазинов (AppStore, iTunes Store, Mac AppStore, BookStore).

Что можно купить при помощи iTunes Gift Card?
С помощью iTunes Gift Card Вы можете покупать:
— приложения в AppStore
— приложения в Mac AppStore
— музыку в iTunes Store
— фильмы в iTunes Store
— книги в iBook Store
— покупки внутри приложений
Внимание, с помощью iTunes Gift Card не можно купить устройства от Apple (iPhone, iPad и др.).

Какие бывают номиналы iTunes Gift Card, где их можно использовать?
На сайте продаются iTunes Gift Card ТОЛЬКО для КАНАДСКОГО iTunes Store, кода не подойдут для украинского/российского/любого другого магазина. То есть, если при регистрации своего аккаунта вы указали Украину, то вам не подойдут эти Gift Card и наоборот, если вы указали Канаду, то вам нужны iTunes Gift Card Канада, другие не подойдут.
Для канадского iTunes Store вы можете приобрести Gift Card номиналом 10, 15, 20, 25, 40, 50, 100 канадских долларов.

Разница между американским и украинским/российским аккаунтами Apple ID
Между этими магазинами (в какой стране аккаунт, такой и магазин) есть множество отличий. Главное отличие в том, что в украинском и русском магазине находится далеко не весь ассортимент программ и игр, по сравнению с американским магазином, и там нет частых распродаж софта от известных компаний-разработчиков. Также в магазинах меньше медиа контента.

Как активировать/ввести iTunes Gift Card?
Активировать iTunes Gift Card можно как с компьютера, так и с iPad, iPhone или iPod Touch:

Активация iTunes карты с компьютера
С компьютера вы можете активировать Gift Card следуя по следующей инструкции:
— Установите последнюю версию iTunes (apple.com)
— Откройте программу iTunes.
— Выберите iTunes Store (правый верхний угол).
— Войдите в свой аккаунт (кнопка «Войти» (Sign In) — в левом верхнем углу), если вы этого еще не сделали.
— Чтобы ввести код, Вы должны быть на главной страничке iTunes Store, в Quick Links в правой колонке нажмите Redeem.
— В окне, которое появилось перед вами введите 16-значный код, начинающийся с символа «X».
— Нажмите Redeem для подтверждения.

Активация подарочных сертификатов с iPad, iPhone, iPod Touch
Если вы хотите активировать iTunes Gift Card на вашем Apple-гаджете, вы должны воспользоваться следующей инструкцией:
— Откройте iTunes Store или AppStore на своем устройстве.
— Если открыт магазин iTunes Store, нажмите Music в нижней строке навигации, а затем прокрутите до конца страницы. Если открыт магазин AppStore, нажмите кнопку Featured в нижней строке навигации и прокрутите страницу до конца.
— Нажмите Redeem.
— После этого введите 16-значный код вашей подарочной карты, начинающийся с символа «X».
— Нажмите Redeem для подтверждения.

Gift Cards

Give the one card with so many possibilities.

Shop. Stay. Fly.

We’ve added new benefits to our gift card that other gift cards don’t have. With the new Upper Canada Gift Card Plus, you can use it to shop at our centre, or any one of our Oxford Properties, book a hotel stay or fly anywhere Porter Airlines flies.

The next time you are looking for that perfect gift, choose the new Upper Canada Gift Card Plus. Purchase yours at Guest Experience or order online and enjoy the convenience of having your gift card delivered to your door.

About the Upper Canada Mall Gift Card Plus

  • The gift card is available in any denomination ranging between $10 and $1000.
  • The funds on the card do not depreciate or expire.
  • The gift card can be redeemed at over 2000 participating merchants at 27 Oxford Properties Shopping Centres, Urban Retails & Resort destinations across Canada.

Gift cards can be purchased, during shopping hours, at our Guest Experience desk located on the upper level near Hudson’s Bay. Alternatively, you may purchase the gift card online, by clicking here.

Find out more about Oxford Gift Card Plus by clicking here.

Read FAQ about Oxford Gift Card Plus by clicking here. Oxford Gift Card Plus Terms and Conditions can be found here.

We accept – Cash, American Express, Visa, MasterCard, UnionPay, WeChat Pay, Ali Pay and Debit Cards. Photo I.D. is required at time of purchase with a credit card. Please note that the cash limit is $2,500 respectively and the sales amount maximum for an individual at our Guest Experience Kiosk is $9,000.00

GIFT CARD BALANCE

For gift cards without a barcode: Check your Gift Card Balance here

CORPORATE ORDERS

For gift card purchases over $5000 please call us at 905-895-1961 or email: clim@oxfordproperties.com

For a list of accepting retailers at Upper Canada, click here.

Student Price Cards (SPC)

Student Price Cards (SPC) are available for purchase from our Guest Experience desk on the Upper Level by Hudson’s Bay. SPC provides students with valuable discounts at popular retailers. Students of all ages are eligible to purchase and use SPC.

Please note that students who appear to be over the age of 16 will be asked for student photo ID.

For terms and conditions of the card, please visit SPCcard.ca

Learn more about our Market & Co. Gift Card, now available for foodies, market loyalists and everyone!

Market & Co. gift cards can be redeemed at any participating merchants and restaurants at Market & Co.
For a full list of merchants and full-service restaurants, click here.

For more details and exceptions, please visit the Guest Experience desk on the Upper Level.

MOO Gift Cards

…when you sign up to our newsletter and spend over $40.00 on your first order.

Sign up to our weekly MOOsLETTER for free shipping, business tips, inspirational ideas, exclusive special offers and more.

Spend just $40.00 and your order will be shipped to you for free.

Check your email for a message from Little MOO, our friendly print robot. Once you confirm your email address, we’ll send over a code for FREE shipping on your order. YAY!

The code will only be sent to new subscribers, and the minimum spend for free shipping is $40.00.

Gift Cards

Want to get a Visa Gift Card?

A smart gift anyone can appreciate.

The Visa Gift card is an ideal choice for birthdays, holidays, weddings, and suits all your gift-giving needs. It’s also perfect for people of all ages. You decide how much money to give; they decide where to spend it.

You will receive important information regarding the Visa Gift card such as how to activate and use the card. This information should be given to the recipient of the card.

Financial Institutions

Retail Locations


Visa Gift Card Features

Thoughtful

Recipients can use the Visa Gift card to buy what they want, when they want.

Secure

The Visa Gift card can be replaced if lost or stolen*.

* Covers all Canadian-issued prepaid cards

Easy to use

When making a purchase, simply present the card to the merchant and sign the purchase receipt.

Convenient

Visa Gift cards are welcome at any of the millions of locations where Visa is accepted, even online.

Need to check your gift card balance?

Frequently Asked Questions

The Visa Gift card is a prepaid card welcome everywhere Visa cards are accepted. Visa Gift cards are loaded with a set amount of funds and can be used for multiple purchases for as long as value remains on the card. Giving a Visa Gift card puts the power of choice in the hands of your friends and family.

  • The Visa Gift card is a «non-reloadable prepaid» card, meaning the initial value is set by the person who purchased the card. Additional funds cannot be added later.
  • The Visa Gift card carries the Visa logo like any other Visa card, so it can be used at the millions of places that accept Visa cards, including online.
  • As with a credit card, when you are ready to pay, simply hand the card to the merchant and sign the purchase receipt.
  • Each time you make a purchase, that amount is automatically deducted from the card balance. It is best to personally keep track of your balance, as most merchants will not be able to tell you.
  • The card does not offer a line of credit like a credit card, which means you cannot use more than what is already loaded on the card.
  • If your gift card says Valid only in Canada on the front, the provider has issued a Domestic Use Only card. Although your gift card will not be accepted at locations outside of Canada, it is welcome at wherever Visa cards are accepted within Canada.
  • You will notice on some cards the phrase «ELECTRONIC USE ONLY» printed on the front of the card. This means that your card must be swiped through an electronic terminal at a retail store in order to complete a purchase transaction. Because there are no raised letters on this type of card, it cannot be used at merchants who use manual imprint machines.

The activation process is determined by the provider of your card, so you will need to follow the instructions provided with your card. Many Visa Gift cards are activated automatically upon purchase and may be used immediately. However, some Visa Gift cards must be activated by the recipient before they can be used.

Be sure to sign in the designated area on the back before making your first purchase.

  • When giving as a gift, provide the recipient with all materials you received with the card upon purchase, including terms and conditions for use.
  • If you are giving the card to a young person who has little card-use experience, you may wish to review the materials together.

The Visa Gift card comes with protection and security features. This means that unlike cash, the Visa Gift card can be replaced if lost or stolen.

  • Report a lost or stolen card immediately to the provider that issued the card. To do so, call the toll-free number listed on the back of the card or in the card documentation.
  • The financial institution will need the Visa Gift card number to cancel the card and issue a replacement, so keep a separate record of the card number in a safe place. Refer to the materials you received with your card for details.
  • You will need to provide the lost or stolen Visa Gift card number for it to be cancelled and a replacement issued.
  • Be sure to write down your card number and keep it in safe place in the event that your card is ever lost or stolen.
  • To guard against unauthorized use, be sure to sign the back of your Visa Gift card. You will be asked to sign a purchase receipt when using the card for payment.


Your Visa Gift card Balance

Look for the initial balance in the card materials that come with your card at the time you receive it. These card materials provide important information, including the terms and conditions for using your card, so please read them carefully before using the card. If your card does not come with these materials, you should contact the financial institution that issued the card. Most issuers also offer web site access, a toll-free number, or instructions on the back of the card.

  • You can check your card balance any time, online or by phone. Refer to the back of your card or the card materials that accompanied your card for the contact information of the financial institution that issued your card.
  • It is important to know the remaining balance before making a purchase, as making a purchase for an amount greater than your balance could result in a denied transaction.
  • When making a purchase, be sure to record the amount and make note of your new balance.
  • If your card has expired and there is a remaining balance of funds on the card, you may wish to receive a new card. Some issuers also offer the ability to receive remaining funds via cheque. If you have a balance on your expired card, contact the financial institution that issued your card or refer to your cardholder material to learn how to order a new card or a cheque. Issuers may charge a fee for this service.

The person who gave you the card will decide the initial value of your gift card. The card provider specifies the minimum and maximum value of your card.

Keep your card in case you have to return any purchases made with the card. If you do try to return items that you’ve purchased with your gift card, the store’s policy may require you to present the card used to make the purchase. You should destroy the card once you are sure there is no further need.

If your Visa Gift card has expired, the merchant’s return policy will determine how the return will be handled.

If your card has expired, you have no returns to make and there is no remaining balance on the card, you may destroy the card.

If your card has expired and there is a remaining balance of funds on the card, you may wish to receive a new card. Some issuers also offer the ability to receive remaining funds via cheque. If you have a balance on your expired card, contact the financial institution that issued your card or refer to your cardholder material to learn how to order a new card or a cheque. Issuers may charge a fee for this service.

10$ iTunes Gift Card (Canada) — гарантия от Macstore

Попробуйте поискать похожий товар у других продавцов.

Продажа товара приостановлена.

Попробуйте поискать похожий товар у других продавцов.

Продаж: 32 последняя 22.05.2020
Возвратов: 0

Продавец

Описание товара

Вы покупаете карту для КАНАДСКОГО AppStore. Она не подходит для Appstore США.
Вы покупаете код с оригинальной пластиковой карты (iTunes Gift Card Canada). Все карты находятся в наших магазинах в оригинальном виде — пластиковая карта.
100% работоспособность гарантирует сеть магазинов Macstore (Киев, Днепропетровск, Симферополь).
Цена акционная.

Что такое iTunes Gift Card?
iTunes Gift Card для Канадских Apple ID — это 16-значный код который дает возможность приобретать любой виртуальный контент в абсолютно всех цифровых магазинах компании Apple (AppStore, Mac AppStore, iBookStore, iTunes Store). Как только Вы вводите код, на Ваш Apple ID мгновенно перечисляется полная сумма номинала. Apple ID — это логин/пароль, вводимый при покупке чего-либо в AppStore. Он универсален для всех магазинов (AppStore, iTunes Store, Mac AppStore, BookStore).

Что можно купить при помощи iTunes Gift Card?
С помощью iTunes Gift Card Вы можете покупать:
— приложения в AppStore
— приложения в Mac AppStore
— музыку в iTunes Store
— фильмы в iTunes Store
— книги в iBook Store
— покупки внутри приложений
Внимание, с помощью iTunes Gift Card не можно купить устройства от Apple (iPhone, iPad и др.).

Какие бывают номиналы iTunes Gift Card, где их можно использовать?
На сайте продаются iTunes Gift Card ТОЛЬКО для КАНАДСКОГО iTunes Store, кода не подойдут для украинского/российского/любого другого магазина. То есть, если при регистрации своего аккаунта вы указали Украину, то вам не подойдут эти Gift Card и наоборот, если вы указали Канаду, то вам нужны iTunes Gift Card Канада, другие не подойдут.
Для канадского iTunes Store вы можете приобрести Gift Card номиналом 10, 15, 20, 25, 40, 50, 100 канадских долларов.

Разница между американским и украинским/российским аккаунтами Apple ID
Между этими магазинами (в какой стране аккаунт, такой и магазин) есть множество отличий. Главное отличие в том, что в украинском и русском магазине находится далеко не весь ассортимент программ и игр, по сравнению с американским магазином, и там нет частых распродаж софта от известных компаний-разработчиков. Также в магазинах меньше медиа контента.

Как активировать/ввести iTunes Gift Card?
Активировать iTunes Gift Card можно как с компьютера, так и с iPad, iPhone или iPod Touch:

Активация iTunes карты с компьютера
С компьютера вы можете активировать Gift Card следуя по следующей инструкции:
— Установите последнюю версию iTunes (apple.com)
— Откройте программу iTunes.
— Выберите iTunes Store (правый верхний угол).
— Войдите в свой аккаунт (кнопка «Войти» (Sign In) — в левом верхнем углу), если вы этого еще не сделали.
— Чтобы ввести код, Вы должны быть на главной страничке iTunes Store, в Quick Links в правой колонке нажмите Redeem.
— В окне, которое появилось перед вами введите 16-значный код, начинающийся с символа «X».
— Нажмите Redeem для подтверждения.

Активация подарочных сертификатов с iPad, iPhone, iPod Touch
Если вы хотите активировать iTunes Gift Card на вашем Apple-гаджете, вы должны воспользоваться следующей инструкцией:
— Откройте iTunes Store или AppStore на своем устройстве.
— Если открыт магазин iTunes Store, нажмите Music в нижней строке навигации, а затем прокрутите до конца страницы. Если открыт магазин AppStore, нажмите кнопку Featured в нижней строке навигации и прокрутите страницу до конца.
— Нажмите Redeem.
— После этого введите 16-значный код вашей подарочной карты, начинающийся с символа «X».
— Нажмите Redeem для подтверждения.

An In-Depth Look at Prepaid Cards in Canada

This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.

Like traditional debit and credit cards, prepaid cards can be used to order products from the internet, book airfare and hotel accommodations, and withdraw cash from an ATM. They offer a similar level of flexibility as traditional cards, but without the strings attached: unlike their plastic counterparts, many prepaid cards are not connected to financial institutions. Neither a bank account nor a credit score is required to get a prepaid card, making it one of the most accessible payment methods around.

Prepaid cardholders can only spend as much money as they’ve already deposited. If a cardholder adds $500 to a prepaid card and spends $200 on a hotel reservation or night out, then they can spend a maximum of $300 more before the card becomes unusable. All of these factors make prepaid cards ideal for those who can’t get approved for traditional credit or debit cards, or for those who simply want to use them as a budgeting tool.

Best Prepa >

Credit Card Card Features Annual Fee Card Review Apply for Card Scotiabank Prepaid Reloadable Visa $10 annual fee
Free reloads $0 Read More Apply Now Home Trust Secured Visa No Annual Fee No credit check
19.99% APR
Limit: $500-$10,000 $0 Read More Apply Now CIBC Air Canada® AC Conversion™ Visa* Prepaid Card Up to 10 different currencies (simultaneously)
Draw from same currency as pre-loaded on card $0 Read More Apply Now CIBC Smart Prepaid Visa 24/7 online access $0 Read More Apply Now Canada Post Prepaid Reloadable Visa e-wallet app
No bank account, no credit check needed $0 Read More Apply Now

The Benefits of Prepaid Cards


Studies indicate that 37% of Canadians surveyed expressed interest in prepaid credit cards, while another recent study indicated a 17% spike in acquired prepaid cards from 2020 to 2020. What makes these prepaid credit cards such a handy financial asset? Here are just a few examples:

  • Purchasing power for Canadians with credit concerns or ambition to build credit
  • Lowered or eliminated overdraft fees and interest
  • Secure & cost-effective online and in-store purchases
  • Automated bill payments

From families, to individuals, to business owners and travellers, there are perks to enjoy with prepaid credit cards in Canada, but also fees and factors to consider.

Prepaid Cards Limitations

While accepted by millions of vendors, prepaid cards may also have strict credit limits, high transaction fees and other drawbacks. Bank-issued prepaid cards. vs non-financial institution prepaid credit cards can differ, along with funded prepaid debit cards vs. prepaid secured credit cards. How? The primary difference is that the use of a prepaid debit credit card does not affect your credit rating (for better or worse), while the use of a prepaid secured credit card does and offers an opportunity to build or rebuild credit.

Which is best for you? Discover the options.

Types of Prepa >

Image source: Shutterstock

Prepaid debit cards and secured credit cards differ substantially. A prepaid debit card is loaded with funds and can then be used by the cardholder to make purchases. The card may be intended for one-time use, might be anonymous for security reasons, and can’t always be used for online purchases.

Prepaid secured credit cards also require a security deposit. But unlike a debit card, if cardholders responsibly pay their credit card bill each month, or at least make the minimum payment required, their credit score gradually increases. If they don’t make their required payments, their credit score decreases and the credit card issuer can tap into the security deposit in order to cover the charges.

Prepaid Debit Cards

Some noteworthy perks of prepaid debit cards include:

  • Useable for cashless shopping
  • Low annual fees
  • Great for gifts
  • Bypass banks or financial institutions
  • Money management tool for indiv >CIBC Conversion Card

Prepaid Debit Cards for International Travel and Online Shopping

Prepaid cards are very convenient for their low barriers to entry and simple functionality, but they’re typically not recommended for use while travelling abroad. The CIBC Conversion card changes this notion, however, with its travel-friendly ability to hold multiple international currencies simultaneously. Up to 10 different currencies can be loaded to the card at locked-in exchange rates, and then spent while abroad.

This card feature extends into the online shopping realm as well. If you frequently purchase from US-based eCommerce companies, for example, then you might opt to load the card with USD whenever you see the most favorable exchange rate and then save those greenbacks for your next online shopping spree. Your currencies are manageable via an online platform provided by CIBC, and cardholders can load the equivalent of up to $20,000 to the card (spread across the different currencies).

CIBC’s AC Conversion card is aptly named, because whenever the cardholder makes a purchase in a foreign currency, the card automatically draws from that same currency—as long as it’s preloaded to the card. With one free international ATM transaction per month, no annual fees, and 24/7 support, it’s a great companion for travellers who might not have the credit required for ‘no foreign transaction fee’ credit cards.

Scotiabank Prepaid Reloadable Visa

Prepaid Debit Cards for Cashless Shopping & Low Fees

Prepaid cards allow in-store or online cashless purchases and payment processing, and typically come with very low annual fees. For example, with a minor $10 annual fee, and free reloads online or via mobile, the Scotiabank Prepaid Reloadable Visa is fit for a smart shopper. Get up to $2400 loaded on your card, and enjoy low purchase fees deducted on your first value load for only $10. Also, leverage your payment security with zero liability guaranteed, and secure reloads that appear on your card within 48 hours to 4 business days max.

CIBC Smart™ Prepaid Visa* Card

A Rechargeable Present

We’ve all heaved sighs of disappointment after receiving gift cards to stores we never shop in. So when special occasions come around, there’s no better or more flexibile gift to give than pure cash – on a prepaid debit Visa card. The CIBC Smart™ Prepaid Visa* Card, offers cardholders 24/7 online access to account details and easy online reloads (if you want to make it a gift that keeps on giving).

Canada Post Prepaid Reloadable Visa ® card

Forget Credit Checks or Bank Accounts

Not all Canadians have bank accounts, or a high enough credit score to be approved for a credit card. But most of us have a mobile phone now, and cards like the Canada Post Prepaid Reloadable Visa ® card allow us to seamlessly manage our money in an e-wallet app. Canada Post and other non-financial institutions offer these prepaid debit cards (both prepaid Visa & Mastercard are available) without a bank account or credit check. Just bring your valid government-issued photo ID to a Canada Post branch and buy the card for $15. Reloads are only $3.

Budget Properly and Manage Your Expenses

A prepaid card can be a very effective budgeting tool for both individuals and businesses, as it allows them to set monthly budgets/spending limits and ensure they’re not exceeded. You or your employees can easily overspend with a credit card, but a prepaid card keeps a ceiling on spending and you/your business in the black.

Prepaid Credit Cards


Secured credit cards can be an ideal solution for individuals looking to improve their credit score. Qualification requirements are usually minimal, and the card issuer regularly reports a cardholder’s responsibility to credit bureaus. Additional secured card benefits might include:

  • Low annual fees
  • Free financial education resources
  • More security perks and protections than prepaid debit cards
  • Some cards offer eligibility for age 16+
  • Discounts on vehicle and travel insurance

Home Trust Secured Visa No Annual Fee

Low Barriers for Approval

Unlike unsecured credit cards, secured credit cards usually have very low credit score requirements for applicants, and sometimes won’t run a credit check at all. The Home Trust Secured Visa No Annual Fee requires no credit rating minimum (most applicants are accepted), gives two different options for annual fees pending interest rates ($59 annual fee and 14.90% interest or no annual fee and 19.99% interest), international cash withdrawals at over 1 million ATMS worldwide, and a very wide security deposit from $500-$10,000.

Which Type of Prepa >

Image source: Shutterstock

There are a range of benefits and drawbacks of using prepaid cards in Canada, be they debit or secured credit cards. With prepaid debit cards you can make cashless payments with ease, simplify the management of your personal or business expenses, bypass credit checks, and keep your credit score unaffected. With secured credit cards, you can receive a range of benefits that many standard credit cards offer, and with responsible use your card is a tool for improving your credit score.

So which card’s for you?

Article comments

Great information, thank you! I’m wondering if there is an option for a pre-paid card or a visa/MasterCard gift card from a gas station or grocery store, which allows you to pay for other credit card bills or other bills in general? Example: Can I use a $100 VISA gift card to apply to my existing VISA or MasterCard credit card balance? Or my Line of Credit?

Thanks for your comment. If you have cash to pay for a gift card, then why not use it to simply reduce your balance? You can deposit it to a bank account and then pay your credit card bill with that account, or simply visit the bank which issued your card (it might be the same one) and present the teller with cash. Otherwise, there’s nothing keeping you from doing it this way if that’s what you prefer.

Canada Post has a prepaid card that you can pick up at locations across Canada, called the Canada Post Prepaid Reloadable Visa. It’s a Visa, so you’ll be able to pay bills and do other things with it, as you would any other debit or credit card. We imagine the same thing applies to payment on a line of credit balance, but we suggest simply checking with an agent or representative. Best of luck!

Hi, the link to the CIBC Air Canada Conversion card doesn’t seem to work? It just takes me to the personal banking page of the CIBC website. So there’s not detailed info even visible on this option. Where can I find out more on that card? Snazz.

Appreciate the comment. We’re reviewing the card again and will reinstate the link once it’s been appraised versus the other cards that have now entered the market in the same tier. In the meantime the CIBC AC Conversion card still has an active web page, so we assume that it’s still available and encourage you to send in an application—through us or otherwise!

I had a Scotiabank Prepaid Reloadable Visa and loved it. I was very upset when they discontinued it. I’m now looking for an alternative. Any suggestions. Please do not say Canada Post – they charge an arm and a leg. KOHO seems to be a mobile app only. I need something that uses the computer not the mobile app and is reloadable from my Scotiabank account. I would prefer a Visa since I have a Mastercard credit card. Thanks for any help or suggestions.

Thanks for the comment. We’re also bummed about the discontinuation of Scotia’s Prepaid Reloadable card, and will offer some suggestions of what to replace it with. Be forwarned that if you want to reload the card from your Scotiabank account, then few cards we know of will make it as easy as it used to be with your Scotia card. Home Trust has a Secured Visa that lets you easily adjust your security deposit and get a matching limit—this could work. Another suggestion is the CIBC Smart Prepaid Visa, which can be obtained at any mobile banking center, or online or via their mobile app. It can be reloaded at CIBC mobile centers, which are relatively common, or online if you’ve set up a CIBC account. You might consider just getting a CIBC account just for this card if you use it often anyway. Good luck!

We will be travelling overseas this winter, what would be the best prepaid card to take with us. Most countries accept USD so we want it to be in US funds, but we live in Canada.

We’ve got just the card for you. One of the prepaid cards that readers love is the CIBC AC Conversion card, which is a card used to both purchase other currencies in CAD at live rates (at which point you’ve preloaded money in that currency) and to spend that currency with. You can load up to 10 different currencies onto the card at once, in a sum of up to $20,000, so it’s one of the best way to carry around money when abroad as its compact, safe, and super flexible. Use it in London, in France, in the USA, wherever, and you’ll avoid foreign transaction fees because it automatically uses the correct currency (as long as it’s preloaded). The best part is that you can choose to load currency onto it when rates are favorable in anticipation of a trip you know is coming, locking it in at the most opportune time.

The Scotiabank Prepaid Reloadable Visa has been discontinued as of May 2020. Check Scotiabank’s website.

Very true! We simply need cardholders who still carry the Scotiabank Prepaid Reloadable Visa to know that they’ve got time to withdraw their money before the September 30th cutoff. This time is valuable to use in preparation for the card’s discontinuation, for things like picking up a Canada Post Prepaid Reloadable Visa!

As far as I can tell, the info might be a bit dated. The Scotiabank Prepaid Reloadable Visa for instance is being phased out; existing cards will be deactivated on September 30, 2020. The last day to reload existing cards was June 10, 2020.

Thanks for pointing this out. As there is still over a month until existing cardholders are unable to use their remaining balances on the Scotiabank Prepaid Reloadable Visa, we’re keeping this article up as a warning. The last date to deposit was indeed June 10th, but Scotia members need to know when their card will truly be deactivated and what to do in the meantime: for instance, organize their recurring bills and transfer them over to a different card, and more. If this applies to you as well, take care of the necessary preparations and have an application for your new card at the ready, so that the September deactivation goes smoothly. Good luck.

The Scotiabank prepaid visa will be discontinued as of October , 01, 2020.
All cards will be deactivated and anual fees and any cash loaded on the will be returned to your daily account at Scotiabank if you have one, otherwise a check will be issued if the amount is over $25.00. If you don’t meet either, you will have to contact a branch to receive your refund.

This is no longer an option.

Thanks for the comment. You’re right that the card is going to be discontinued soon, and Scotia has closed applications. We’ve simply left the card up on our site to provide a warning and instructions to those who already have the card and who want to know the last date they can withdraw their funds (September 30th, 2020). Right now there’s no harm in leaving it as is, because applications are closed anyway, but thanks for looking out!

Just found out the hard way: the Canada Post Pre-Paid Visa card CANNOT be reloaded through Paypal, which is a pain.

You can add it to your Paypal account, and the option to reload it shows up, but it won’t finalize and says “denied” when you try to reload it. I just called and they confirmed on the phone that the only way to reload it is at the post office or through a bank. Would have considered something else if I’d known.

Also sites like this don’t specify which cards can and can’t be reloaded through Paypal, which would be nice to know.


Thanks for the comment, and we’re really sorry to hear you encountered these issues with the Canada Post Prepaid Visa! It’s annoying that PayPal could be connected to the card yet prevented from working—seems counterproductive to us. Regardless, if you’re so unhappy that you need to reload it at the post office or at a bank, then you can explore any of the other prepaid cards in Canada and make sure they’re compatible with PayPal before applying. This can be accomplished with a quick phone call to the bank.

In our experience, you’ll have better luck with cards issued by Canada’s bigger banks, or a similarly well-connected financial institution. Banks are better able to provide a network of complementary services for their products (things like PayPal), so we’d recommend looking at a card like the Scotiabank Prepaid Reloadable Visa. If they don’t allow direct transfers, then you can at least link your PayPal account to a bank account and then transfer from PayPal to the bank, and then reload your card using your bank balance. Call Scotia and let us know how the process goes. Good luck!

Scotiabank has cancelled their program, please update the article to reflect this
Dear customer,

This is to notify you that the bill payment relationship between SCOTIA PREPAID and Scotiabank has been terminated. Consequently, you can no longer make payments to SCOTIA PREPAID through Scotiabank. SCOTIA PREPAID has been removed from your payee list and any future-dated or recurring payments to this payee will be rejected.

Please go to pending transactions to delete any payments you may have scheduled. If you have any questions please contact SCOTIA PREPAID directly.

Thanks for the heads up! Your last date to use the balance on your card is September 30th, 2020 so you’ll still have a few more months with your Scotiabank Prepaid Visa. Two weeks ago was the last day (June 10th) that you could’ve reloaded your card, so whatever is on it currently is all you’ll get. This means that you’ll need to do a thorough checkup of your finances to determine which bills are attached to your Prepaid card and switch them over to a new one.

We’re suggesting that cardholders who come to us with this news check out the similar, yet slightly different Canada Post Prepaid Reloadable Visa. Unfortunately, you won’t get to enjoy the free reloads (they’re $3 each), but we’re currently preparing a list of alternatives for when the Scotia card is actually discontinued later this year. Thanks again and good luck!

The Scotia prepaid visa if it has a balance at the end of Sept and it has not been used Scotia will be sending out a cheque to the card holder I just talked with them Yesterday

Thanks for the update. That’s good to hear and more logical than the sparse information we’ve been able to get ahold of so far, which indicated that customers would be risking their cash by not emptying their cards before September 30. In fact, not reimbursing customers by cheque would likely be illegal in Canada, so glad you came to comment and provide further guidance. With our earlier comment, we didn’t mean to insinuate that Scotia would be keeping the money depositing into their customers’ prepaid cards, but it is important to take care of the transfer before you lose access (you can never tell how easy the claim process will be).

With a recent press release published by Scotiabank we can see that it now says, “We will be
communicating with you about how you can claim any funds that remain on your card after deactivation.” That’s somewhat of a relief, so now the only thing you need to worry about is what prepaid card you’ll replace it with! Might we recommend the Canada Post Reloadable Visa? Check it out and let us know what you think.

Hi! I want to rebuild my credit via a secured credit card and would like a few different options so I could study the good and the bad of each card. Could you please help me. At the moment I use my debit MasterCard for online purchases and have also used vancity’s prepaid credit card which costs only two dollars and could be filled with up to four hundred bucks.

Great questions, we’ll certainly try to help. First, if you’re trying to rebuild your credit then you need to be using credit—not debit! While banks do pay attention to debit transactions, it doesn’t involve risk or borrowing, so the effect on your credit will be exponentially better even with a secured credit card. The Vancity card isn’t cutting it, unfortunately, because if it has a maximum credit limit of just $400, then you’re restricting yourself needlessly. What if you need to pay an online bill or make a purchase that’s more than $400? The card is out of the question.

In these cases, and also as general advice for those who want to raise their credit score, a secured credit card like the Home Trust Secured Visa is recommended. It comes from a reputable and well-known bank and offers a credit limit between $500 and $10,000 contingent on a security deposit. Grab one of these secured cards via an online application and then use it responsibly—don’t max the credit limit out immediately and take months to repay your deposit.

Let the bill for 30% of the limit come due and pay it off each month, as well as your other balances. Keep your other credit cards open to avoid getting hit with temporary credit score reductions and to keep your utilization ratio up as well. If you need any other assistance, our vlog on credit scores could be helpful, or otherwise email us at info@greedyrates.ca and we’ll respond ASAP.

Hi there, thanks for the info. The Scotiabank Prepaid Reloadable Visa is being discontinued in September 2020, so you may want to update this article. I have one, and am currently looking for a replacement, which is what brought me here.

Appreciate the heads up for our other reader about the soon-to-be discontinued Scotiabank Prepaid Reloadable Visa. Scotia sent out a warning to cardholders that if their account wasn’t closed by September 30, 2020 that it would automatically close them without any remuneration for the funds you lost. This is super important for this reason, but notable that the September date is the last of four crucial dates regarding this card and also the Scotia SCENE Prepaid Reloadable Visa.

On June 10, 2020 this is the last day you can reload your card, and also the last day that bill payments from third-party financial institutions will be accepted. On July 1, 2020 Scotia will stop issuing replacement cards, and then finally on September 30, 2020 you’ll lose access to the card completely (and the funds along with it). Be sure to spend them before this date!

If you’re looking for an alternative card, then check out Canada Post’s Prepaid Reloadable Visa. It’s almost identical to the Scotia one, but instead of free reloads you’ll be charged $3 each time. You can control the relative cost of this fee by depositing more, less often, of course. Otherwise, it can also be used to transfer money to other people’s accounts for free, by using the handy online portal.

As owner of a small trucking company, I like to give my drivers a prepaid credit card to pay for hotels, meals and small repairs (like flat tires) and parts purchasing on the road. The idea is to have a track record of expenses for each unit ( receipts do get lost) and to save my drivers to call me every time for a small purchase since I’m also out working and not in cell range all the time. The thing I don’t understand is why it take so long to reload funds to the cards, when in this day and age, everything is instant. The other thing I learned, Scotia Bank will not issue cards to card holders with a PO Box address. Well, I live in rural BC, Canada, like thousands other Canadians. There is no door to door mail service out here. Any suggestions?

Great question, and thanks for providing context as well. If your drivers are on the road and you want a way to easily reload their prepaid cards, then you should check out the CIBC Smart Prepaid Visa. There’s no prepaid card as flexible as this one, which offers acceptance virtually everywhere and simple, free online reloads from one admin account. You’ll be able to easily get a visual on your employee expenses and then reload their cards individually from a remote location (like the trucking HQ or even your home).

Unfortunately, we’re unsure if CIBC has the same rule about P.O. boxes that Scotia does. This is probably something you should check with them over the phone before getting several copies for your employees, but it’ll take no time at all. Let us know how it goes and how your employees like the cards. We’re sure they will!

You might be able to setup a remote “mailbox” at a business that provides “street addresses”. I have done that for my business for 10 years. Should cost between $100-$250 per year.

I’ve been doing this for years, it’s great especially in the day and age of no privacy you can set up a google account, lets say under the name Joe Doe use a prepaid card to make purchases on google play (like a VPN) make eBay purchases under the same name (for things like prepaid sim cards) set it up cell plan etc. Online bus and train tickets etc you can then move around and communicate freely.

Interesting comment! Your perspective on prepaid cards is much appreciated, and yes, if you value anonymity yet still want the same financial flexibility afforded via regular credit cards, your strategy is sound. You can absolutely go into a store, pay for a prepaid card with cash, and then use it to purchase connected services like a cell phone and phone plan. Paying for goods is another matter entirely, because to have something shipped to you, you’ll still need to provide an address and other personal details. However, for buying a VPN service, things on eBay, or “goods” that exist only online like in-world videogame items, it’s a winning tactic.

You’ll also want to get non-reloadable cards only, as you likely know. For other readers worrying about the safety of their online communications and identity, it’s important to know that reloadable prepaid cards usually require more personal data to purchase. Non-reloadable cards usually only require a name and address, and as long as that’s the same info you give to the merchant when paying, it’s all above board. While we can’t expressly condone some of the other tricks to using prepaid cards, you can read more into it online from other sources. Good luck “Joe” – and stay safe!

Is there a 4 dollar one to buy? I have had royal account for over 20 years and the odd time I used to buy a royal bank prepaid visa for 3.99 from the royal bank but they got rid of that card! Too bad as it was helping my credit some! I don’t have credit cards for 15 yrs now but the odd time I see something I want to order online like now there are 2 items I need a prepaid visa or mastercard with a low fee rate to buy like 4 bucks with no fees. Do any exist now? I used to buy these cards at Shoppers and I know Money Mart also sells them too. There are thousands of people like me who don’t have credit cards but use these prepaid cards often they don’t want the high fees of credit cards and also no one can steal your cards. My boyfriend also does not have a credit card, he started a vending machine business and could really use one of these cards as at times the items he buys are on sale and he runs out of money a few times a month due to the high cost of living now in Ontario. He has 15 locations right now but all his money goes for his gas and if the machine breaksdown, and buying the stock to fill the machines so for example his whole monthly cheque is gone in 2 days! His family is rich but they only help so much you know millionaire family lol. What card would be good for him at times he buys new vending machines and travels to say Toronto with cash to buy it and I told him don’t do that, that is scary you could be robbed! So what would you suggest would be the best card for him in this case. Oh he deals with the Scotia Bank! Thanks! people don’t want cheques anymore either they take too long to cash out.

Thanks for the awesome comment. If you’re looking for a prepaid Visa or Mastercard that’s accessible just by picking it up and depositing, you should try the Canada Post card, which you can find in any Canada Post around the country. This prepaid card will do for online purchases and quick deposits both, as it comes with a companion application that’ll let you manage it on-the-go. Another option that will be more relevant to you and your boyfriend is secured credit cards, which are a more permanent solution that’ll let him make a larger deposit ($10,000 for example) and then use it on a card as a regular credit limit. He’ll be able to use a secured card like the Home Trust Secured to pay his vendors, fill up the truck and more without needing to suffer the potential denial that happens when applying for unsecured credit. Be careful to treat a secured credit card like any other card, however, including prompt payments on your balance because they affect your score too!

The AC conversion card listed here is another good option, as he’ll be able to deposit up to $20,000 on the card rather than the $10,000 limit imposed by Home Trust. This will also be a safer way to operate given the threat of theft, as using the card requires a PIN. He may also consider a basic Business Mastercard, once he’s ready for unsecured credit, as it’ll let him turn his everyday expenses into cash back or rewards. Best of luck in your fledgling business!

I have an Amex card upon which I will get a boatload of bonus points if I hit a spending threshold within 3 months. I don’t think I will make the threshold because Amex is not accepted in many places I shop. Is there any way to buy a prepaid Visa or MC using my Amex card, without incurring high fees?

Interesting comment! Unfortunately, most credit cards with bonuses that require you to meet spending milestones will only apply eligible spending to your total. We’re not sure which Amex card you hold, but regardless, we are sure that there’s a section in the fine print dedicated to what constitutes ‘eligible spending’. For all issuers, the “loophole” of buying prepaid cards or gift cards is closed in an airtight manner. It might feel clever to buy something with one card’s credit limit that essentially represents the same flexible purchasing power, but it won’t when you receive your statement and figure out that your plan was for naught. Good try though—and sorry to be the bearer of bad news. Just do you best to meet the spending requirements, and don’t force it if you can’t, because then you’ll burn up any benefits you would have gained from the bonus. Good luck!

Looks like this can only be used where VISA is accepted.


An In-Depth Look at Prepaid Cards in Canada

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Like traditional debit and credit cards, prepaid cards can be used to order products from the internet, book airfare and hotel accommodations, and withdraw cash from an ATM. They offer a similar level of flexibility as traditional cards, but without the strings attached: unlike their plastic counterparts, many prepaid cards are not connected to financial institutions. Neither a bank account nor a credit score is required to get a prepaid card, making it one of the most accessible payment methods around.

Prepaid cardholders can only spend as much money as they’ve already deposited. If a cardholder adds $500 to a prepaid card and spends $200 on a hotel reservation or night out, then they can spend a maximum of $300 more before the card becomes unusable. All of these factors make prepaid cards ideal for those who can’t get approved for traditional credit or debit cards, or for those who simply want to use them as a budgeting tool.

Best Prepa >

Credit Card Card Features Annual Fee Card Review Apply for Card Scotiabank Prepaid Reloadable Visa $10 annual fee
Free reloads $0 Read More Apply Now Home Trust Secured Visa No Annual Fee No credit check
19.99% APR
Limit: $500-$10,000 $0 Read More Apply Now CIBC Air Canada® AC Conversion™ Visa* Prepaid Card Up to 10 different currencies (simultaneously)
Draw from same currency as pre-loaded on card $0 Read More Apply Now CIBC Smart Prepaid Visa 24/7 online access $0 Read More Apply Now Canada Post Prepaid Reloadable Visa e-wallet app
No bank account, no credit check needed $0 Read More Apply Now

The Benefits of Prepaid Cards

Studies indicate that 37% of Canadians surveyed expressed interest in prepaid credit cards, while another recent study indicated a 17% spike in acquired prepaid cards from 2020 to 2020. What makes these prepaid credit cards such a handy financial asset? Here are just a few examples:

  • Purchasing power for Canadians with credit concerns or ambition to build credit
  • Lowered or eliminated overdraft fees and interest
  • Secure & cost-effective online and in-store purchases
  • Automated bill payments

From families, to individuals, to business owners and travellers, there are perks to enjoy with prepaid credit cards in Canada, but also fees and factors to consider.

Prepaid Cards Limitations

While accepted by millions of vendors, prepaid cards may also have strict credit limits, high transaction fees and other drawbacks. Bank-issued prepaid cards. vs non-financial institution prepaid credit cards can differ, along with funded prepaid debit cards vs. prepaid secured credit cards. How? The primary difference is that the use of a prepaid debit credit card does not affect your credit rating (for better or worse), while the use of a prepaid secured credit card does and offers an opportunity to build or rebuild credit.

Which is best for you? Discover the options.

Types of Prepa >

Image source: Shutterstock

Prepaid debit cards and secured credit cards differ substantially. A prepaid debit card is loaded with funds and can then be used by the cardholder to make purchases. The card may be intended for one-time use, might be anonymous for security reasons, and can’t always be used for online purchases.

Prepaid secured credit cards also require a security deposit. But unlike a debit card, if cardholders responsibly pay their credit card bill each month, or at least make the minimum payment required, their credit score gradually increases. If they don’t make their required payments, their credit score decreases and the credit card issuer can tap into the security deposit in order to cover the charges.

Prepaid Debit Cards

Some noteworthy perks of prepaid debit cards include:

  • Useable for cashless shopping
  • Low annual fees
  • Great for gifts
  • Bypass banks or financial institutions
  • Money management tool for indiv >CIBC Conversion Card

Prepaid Debit Cards for International Travel and Online Shopping

Prepaid cards are very convenient for their low barriers to entry and simple functionality, but they’re typically not recommended for use while travelling abroad. The CIBC Conversion card changes this notion, however, with its travel-friendly ability to hold multiple international currencies simultaneously. Up to 10 different currencies can be loaded to the card at locked-in exchange rates, and then spent while abroad.

This card feature extends into the online shopping realm as well. If you frequently purchase from US-based eCommerce companies, for example, then you might opt to load the card with USD whenever you see the most favorable exchange rate and then save those greenbacks for your next online shopping spree. Your currencies are manageable via an online platform provided by CIBC, and cardholders can load the equivalent of up to $20,000 to the card (spread across the different currencies).

CIBC’s AC Conversion card is aptly named, because whenever the cardholder makes a purchase in a foreign currency, the card automatically draws from that same currency—as long as it’s preloaded to the card. With one free international ATM transaction per month, no annual fees, and 24/7 support, it’s a great companion for travellers who might not have the credit required for ‘no foreign transaction fee’ credit cards.

Scotiabank Prepaid Reloadable Visa

Prepaid Debit Cards for Cashless Shopping & Low Fees

Prepaid cards allow in-store or online cashless purchases and payment processing, and typically come with very low annual fees. For example, with a minor $10 annual fee, and free reloads online or via mobile, the Scotiabank Prepaid Reloadable Visa is fit for a smart shopper. Get up to $2400 loaded on your card, and enjoy low purchase fees deducted on your first value load for only $10. Also, leverage your payment security with zero liability guaranteed, and secure reloads that appear on your card within 48 hours to 4 business days max.

CIBC Smart™ Prepaid Visa* Card

A Rechargeable Present

We’ve all heaved sighs of disappointment after receiving gift cards to stores we never shop in. So when special occasions come around, there’s no better or more flexibile gift to give than pure cash – on a prepaid debit Visa card. The CIBC Smart™ Prepaid Visa* Card, offers cardholders 24/7 online access to account details and easy online reloads (if you want to make it a gift that keeps on giving).


Canada Post Prepaid Reloadable Visa ® card

Forget Credit Checks or Bank Accounts

Not all Canadians have bank accounts, or a high enough credit score to be approved for a credit card. But most of us have a mobile phone now, and cards like the Canada Post Prepaid Reloadable Visa ® card allow us to seamlessly manage our money in an e-wallet app. Canada Post and other non-financial institutions offer these prepaid debit cards (both prepaid Visa & Mastercard are available) without a bank account or credit check. Just bring your valid government-issued photo ID to a Canada Post branch and buy the card for $15. Reloads are only $3.

Budget Properly and Manage Your Expenses

A prepaid card can be a very effective budgeting tool for both individuals and businesses, as it allows them to set monthly budgets/spending limits and ensure they’re not exceeded. You or your employees can easily overspend with a credit card, but a prepaid card keeps a ceiling on spending and you/your business in the black.

Prepaid Credit Cards

Secured credit cards can be an ideal solution for individuals looking to improve their credit score. Qualification requirements are usually minimal, and the card issuer regularly reports a cardholder’s responsibility to credit bureaus. Additional secured card benefits might include:

  • Low annual fees
  • Free financial education resources
  • More security perks and protections than prepaid debit cards
  • Some cards offer eligibility for age 16+
  • Discounts on vehicle and travel insurance

Home Trust Secured Visa No Annual Fee

Low Barriers for Approval

Unlike unsecured credit cards, secured credit cards usually have very low credit score requirements for applicants, and sometimes won’t run a credit check at all. The Home Trust Secured Visa No Annual Fee requires no credit rating minimum (most applicants are accepted), gives two different options for annual fees pending interest rates ($59 annual fee and 14.90% interest or no annual fee and 19.99% interest), international cash withdrawals at over 1 million ATMS worldwide, and a very wide security deposit from $500-$10,000.

Which Type of Prepa >

Image source: Shutterstock

There are a range of benefits and drawbacks of using prepaid cards in Canada, be they debit or secured credit cards. With prepaid debit cards you can make cashless payments with ease, simplify the management of your personal or business expenses, bypass credit checks, and keep your credit score unaffected. With secured credit cards, you can receive a range of benefits that many standard credit cards offer, and with responsible use your card is a tool for improving your credit score.

So which card’s for you?

Article comments

Great information, thank you! I’m wondering if there is an option for a pre-paid card or a visa/MasterCard gift card from a gas station or grocery store, which allows you to pay for other credit card bills or other bills in general? Example: Can I use a $100 VISA gift card to apply to my existing VISA or MasterCard credit card balance? Or my Line of Credit?

Thanks for your comment. If you have cash to pay for a gift card, then why not use it to simply reduce your balance? You can deposit it to a bank account and then pay your credit card bill with that account, or simply visit the bank which issued your card (it might be the same one) and present the teller with cash. Otherwise, there’s nothing keeping you from doing it this way if that’s what you prefer.

Canada Post has a prepaid card that you can pick up at locations across Canada, called the Canada Post Prepaid Reloadable Visa. It’s a Visa, so you’ll be able to pay bills and do other things with it, as you would any other debit or credit card. We imagine the same thing applies to payment on a line of credit balance, but we suggest simply checking with an agent or representative. Best of luck!

Hi, the link to the CIBC Air Canada Conversion card doesn’t seem to work? It just takes me to the personal banking page of the CIBC website. So there’s not detailed info even visible on this option. Where can I find out more on that card? Snazz.

Appreciate the comment. We’re reviewing the card again and will reinstate the link once it’s been appraised versus the other cards that have now entered the market in the same tier. In the meantime the CIBC AC Conversion card still has an active web page, so we assume that it’s still available and encourage you to send in an application—through us or otherwise!

I had a Scotiabank Prepaid Reloadable Visa and loved it. I was very upset when they discontinued it. I’m now looking for an alternative. Any suggestions. Please do not say Canada Post – they charge an arm and a leg. KOHO seems to be a mobile app only. I need something that uses the computer not the mobile app and is reloadable from my Scotiabank account. I would prefer a Visa since I have a Mastercard credit card. Thanks for any help or suggestions.

Thanks for the comment. We’re also bummed about the discontinuation of Scotia’s Prepaid Reloadable card, and will offer some suggestions of what to replace it with. Be forwarned that if you want to reload the card from your Scotiabank account, then few cards we know of will make it as easy as it used to be with your Scotia card. Home Trust has a Secured Visa that lets you easily adjust your security deposit and get a matching limit—this could work. Another suggestion is the CIBC Smart Prepaid Visa, which can be obtained at any mobile banking center, or online or via their mobile app. It can be reloaded at CIBC mobile centers, which are relatively common, or online if you’ve set up a CIBC account. You might consider just getting a CIBC account just for this card if you use it often anyway. Good luck!

We will be travelling overseas this winter, what would be the best prepaid card to take with us. Most countries accept USD so we want it to be in US funds, but we live in Canada.

We’ve got just the card for you. One of the prepaid cards that readers love is the CIBC AC Conversion card, which is a card used to both purchase other currencies in CAD at live rates (at which point you’ve preloaded money in that currency) and to spend that currency with. You can load up to 10 different currencies onto the card at once, in a sum of up to $20,000, so it’s one of the best way to carry around money when abroad as its compact, safe, and super flexible. Use it in London, in France, in the USA, wherever, and you’ll avoid foreign transaction fees because it automatically uses the correct currency (as long as it’s preloaded). The best part is that you can choose to load currency onto it when rates are favorable in anticipation of a trip you know is coming, locking it in at the most opportune time.

The Scotiabank Prepaid Reloadable Visa has been discontinued as of May 2020. Check Scotiabank’s website.

Very true! We simply need cardholders who still carry the Scotiabank Prepaid Reloadable Visa to know that they’ve got time to withdraw their money before the September 30th cutoff. This time is valuable to use in preparation for the card’s discontinuation, for things like picking up a Canada Post Prepaid Reloadable Visa!

As far as I can tell, the info might be a bit dated. The Scotiabank Prepaid Reloadable Visa for instance is being phased out; existing cards will be deactivated on September 30, 2020. The last day to reload existing cards was June 10, 2020.

Thanks for pointing this out. As there is still over a month until existing cardholders are unable to use their remaining balances on the Scotiabank Prepaid Reloadable Visa, we’re keeping this article up as a warning. The last date to deposit was indeed June 10th, but Scotia members need to know when their card will truly be deactivated and what to do in the meantime: for instance, organize their recurring bills and transfer them over to a different card, and more. If this applies to you as well, take care of the necessary preparations and have an application for your new card at the ready, so that the September deactivation goes smoothly. Good luck.


The Scotiabank prepaid visa will be discontinued as of October , 01, 2020.
All cards will be deactivated and anual fees and any cash loaded on the will be returned to your daily account at Scotiabank if you have one, otherwise a check will be issued if the amount is over $25.00. If you don’t meet either, you will have to contact a branch to receive your refund.

This is no longer an option.

Thanks for the comment. You’re right that the card is going to be discontinued soon, and Scotia has closed applications. We’ve simply left the card up on our site to provide a warning and instructions to those who already have the card and who want to know the last date they can withdraw their funds (September 30th, 2020). Right now there’s no harm in leaving it as is, because applications are closed anyway, but thanks for looking out!

Just found out the hard way: the Canada Post Pre-Paid Visa card CANNOT be reloaded through Paypal, which is a pain.

You can add it to your Paypal account, and the option to reload it shows up, but it won’t finalize and says “denied” when you try to reload it. I just called and they confirmed on the phone that the only way to reload it is at the post office or through a bank. Would have considered something else if I’d known.

Also sites like this don’t specify which cards can and can’t be reloaded through Paypal, which would be nice to know.

Thanks for the comment, and we’re really sorry to hear you encountered these issues with the Canada Post Prepaid Visa! It’s annoying that PayPal could be connected to the card yet prevented from working—seems counterproductive to us. Regardless, if you’re so unhappy that you need to reload it at the post office or at a bank, then you can explore any of the other prepaid cards in Canada and make sure they’re compatible with PayPal before applying. This can be accomplished with a quick phone call to the bank.

In our experience, you’ll have better luck with cards issued by Canada’s bigger banks, or a similarly well-connected financial institution. Banks are better able to provide a network of complementary services for their products (things like PayPal), so we’d recommend looking at a card like the Scotiabank Prepaid Reloadable Visa. If they don’t allow direct transfers, then you can at least link your PayPal account to a bank account and then transfer from PayPal to the bank, and then reload your card using your bank balance. Call Scotia and let us know how the process goes. Good luck!

Scotiabank has cancelled their program, please update the article to reflect this
Dear customer,

This is to notify you that the bill payment relationship between SCOTIA PREPAID and Scotiabank has been terminated. Consequently, you can no longer make payments to SCOTIA PREPAID through Scotiabank. SCOTIA PREPAID has been removed from your payee list and any future-dated or recurring payments to this payee will be rejected.

Please go to pending transactions to delete any payments you may have scheduled. If you have any questions please contact SCOTIA PREPAID directly.

Thanks for the heads up! Your last date to use the balance on your card is September 30th, 2020 so you’ll still have a few more months with your Scotiabank Prepaid Visa. Two weeks ago was the last day (June 10th) that you could’ve reloaded your card, so whatever is on it currently is all you’ll get. This means that you’ll need to do a thorough checkup of your finances to determine which bills are attached to your Prepaid card and switch them over to a new one.

We’re suggesting that cardholders who come to us with this news check out the similar, yet slightly different Canada Post Prepaid Reloadable Visa. Unfortunately, you won’t get to enjoy the free reloads (they’re $3 each), but we’re currently preparing a list of alternatives for when the Scotia card is actually discontinued later this year. Thanks again and good luck!

The Scotia prepaid visa if it has a balance at the end of Sept and it has not been used Scotia will be sending out a cheque to the card holder I just talked with them Yesterday

Thanks for the update. That’s good to hear and more logical than the sparse information we’ve been able to get ahold of so far, which indicated that customers would be risking their cash by not emptying their cards before September 30. In fact, not reimbursing customers by cheque would likely be illegal in Canada, so glad you came to comment and provide further guidance. With our earlier comment, we didn’t mean to insinuate that Scotia would be keeping the money depositing into their customers’ prepaid cards, but it is important to take care of the transfer before you lose access (you can never tell how easy the claim process will be).

With a recent press release published by Scotiabank we can see that it now says, “We will be
communicating with you about how you can claim any funds that remain on your card after deactivation.” That’s somewhat of a relief, so now the only thing you need to worry about is what prepaid card you’ll replace it with! Might we recommend the Canada Post Reloadable Visa? Check it out and let us know what you think.

Hi! I want to rebuild my credit via a secured credit card and would like a few different options so I could study the good and the bad of each card. Could you please help me. At the moment I use my debit MasterCard for online purchases and have also used vancity’s prepaid credit card which costs only two dollars and could be filled with up to four hundred bucks.

Great questions, we’ll certainly try to help. First, if you’re trying to rebuild your credit then you need to be using credit—not debit! While banks do pay attention to debit transactions, it doesn’t involve risk or borrowing, so the effect on your credit will be exponentially better even with a secured credit card. The Vancity card isn’t cutting it, unfortunately, because if it has a maximum credit limit of just $400, then you’re restricting yourself needlessly. What if you need to pay an online bill or make a purchase that’s more than $400? The card is out of the question.

In these cases, and also as general advice for those who want to raise their credit score, a secured credit card like the Home Trust Secured Visa is recommended. It comes from a reputable and well-known bank and offers a credit limit between $500 and $10,000 contingent on a security deposit. Grab one of these secured cards via an online application and then use it responsibly—don’t max the credit limit out immediately and take months to repay your deposit.

Let the bill for 30% of the limit come due and pay it off each month, as well as your other balances. Keep your other credit cards open to avoid getting hit with temporary credit score reductions and to keep your utilization ratio up as well. If you need any other assistance, our vlog on credit scores could be helpful, or otherwise email us at info@greedyrates.ca and we’ll respond ASAP.

Hi there, thanks for the info. The Scotiabank Prepaid Reloadable Visa is being discontinued in September 2020, so you may want to update this article. I have one, and am currently looking for a replacement, which is what brought me here.

Appreciate the heads up for our other reader about the soon-to-be discontinued Scotiabank Prepaid Reloadable Visa. Scotia sent out a warning to cardholders that if their account wasn’t closed by September 30, 2020 that it would automatically close them without any remuneration for the funds you lost. This is super important for this reason, but notable that the September date is the last of four crucial dates regarding this card and also the Scotia SCENE Prepaid Reloadable Visa.

On June 10, 2020 this is the last day you can reload your card, and also the last day that bill payments from third-party financial institutions will be accepted. On July 1, 2020 Scotia will stop issuing replacement cards, and then finally on September 30, 2020 you’ll lose access to the card completely (and the funds along with it). Be sure to spend them before this date!

If you’re looking for an alternative card, then check out Canada Post’s Prepaid Reloadable Visa. It’s almost identical to the Scotia one, but instead of free reloads you’ll be charged $3 each time. You can control the relative cost of this fee by depositing more, less often, of course. Otherwise, it can also be used to transfer money to other people’s accounts for free, by using the handy online portal.

As owner of a small trucking company, I like to give my drivers a prepaid credit card to pay for hotels, meals and small repairs (like flat tires) and parts purchasing on the road. The idea is to have a track record of expenses for each unit ( receipts do get lost) and to save my drivers to call me every time for a small purchase since I’m also out working and not in cell range all the time. The thing I don’t understand is why it take so long to reload funds to the cards, when in this day and age, everything is instant. The other thing I learned, Scotia Bank will not issue cards to card holders with a PO Box address. Well, I live in rural BC, Canada, like thousands other Canadians. There is no door to door mail service out here. Any suggestions?

Great question, and thanks for providing context as well. If your drivers are on the road and you want a way to easily reload their prepaid cards, then you should check out the CIBC Smart Prepaid Visa. There’s no prepaid card as flexible as this one, which offers acceptance virtually everywhere and simple, free online reloads from one admin account. You’ll be able to easily get a visual on your employee expenses and then reload their cards individually from a remote location (like the trucking HQ or even your home).

Unfortunately, we’re unsure if CIBC has the same rule about P.O. boxes that Scotia does. This is probably something you should check with them over the phone before getting several copies for your employees, but it’ll take no time at all. Let us know how it goes and how your employees like the cards. We’re sure they will!

You might be able to setup a remote “mailbox” at a business that provides “street addresses”. I have done that for my business for 10 years. Should cost between $100-$250 per year.

I’ve been doing this for years, it’s great especially in the day and age of no privacy you can set up a google account, lets say under the name Joe Doe use a prepaid card to make purchases on google play (like a VPN) make eBay purchases under the same name (for things like prepaid sim cards) set it up cell plan etc. Online bus and train tickets etc you can then move around and communicate freely.

Interesting comment! Your perspective on prepaid cards is much appreciated, and yes, if you value anonymity yet still want the same financial flexibility afforded via regular credit cards, your strategy is sound. You can absolutely go into a store, pay for a prepaid card with cash, and then use it to purchase connected services like a cell phone and phone plan. Paying for goods is another matter entirely, because to have something shipped to you, you’ll still need to provide an address and other personal details. However, for buying a VPN service, things on eBay, or “goods” that exist only online like in-world videogame items, it’s a winning tactic.

You’ll also want to get non-reloadable cards only, as you likely know. For other readers worrying about the safety of their online communications and identity, it’s important to know that reloadable prepaid cards usually require more personal data to purchase. Non-reloadable cards usually only require a name and address, and as long as that’s the same info you give to the merchant when paying, it’s all above board. While we can’t expressly condone some of the other tricks to using prepaid cards, you can read more into it online from other sources. Good luck “Joe” – and stay safe!

Is there a 4 dollar one to buy? I have had royal account for over 20 years and the odd time I used to buy a royal bank prepaid visa for 3.99 from the royal bank but they got rid of that card! Too bad as it was helping my credit some! I don’t have credit cards for 15 yrs now but the odd time I see something I want to order online like now there are 2 items I need a prepaid visa or mastercard with a low fee rate to buy like 4 bucks with no fees. Do any exist now? I used to buy these cards at Shoppers and I know Money Mart also sells them too. There are thousands of people like me who don’t have credit cards but use these prepaid cards often they don’t want the high fees of credit cards and also no one can steal your cards. My boyfriend also does not have a credit card, he started a vending machine business and could really use one of these cards as at times the items he buys are on sale and he runs out of money a few times a month due to the high cost of living now in Ontario. He has 15 locations right now but all his money goes for his gas and if the machine breaksdown, and buying the stock to fill the machines so for example his whole monthly cheque is gone in 2 days! His family is rich but they only help so much you know millionaire family lol. What card would be good for him at times he buys new vending machines and travels to say Toronto with cash to buy it and I told him don’t do that, that is scary you could be robbed! So what would you suggest would be the best card for him in this case. Oh he deals with the Scotia Bank! Thanks! people don’t want cheques anymore either they take too long to cash out.

Thanks for the awesome comment. If you’re looking for a prepaid Visa or Mastercard that’s accessible just by picking it up and depositing, you should try the Canada Post card, which you can find in any Canada Post around the country. This prepaid card will do for online purchases and quick deposits both, as it comes with a companion application that’ll let you manage it on-the-go. Another option that will be more relevant to you and your boyfriend is secured credit cards, which are a more permanent solution that’ll let him make a larger deposit ($10,000 for example) and then use it on a card as a regular credit limit. He’ll be able to use a secured card like the Home Trust Secured to pay his vendors, fill up the truck and more without needing to suffer the potential denial that happens when applying for unsecured credit. Be careful to treat a secured credit card like any other card, however, including prompt payments on your balance because they affect your score too!

The AC conversion card listed here is another good option, as he’ll be able to deposit up to $20,000 on the card rather than the $10,000 limit imposed by Home Trust. This will also be a safer way to operate given the threat of theft, as using the card requires a PIN. He may also consider a basic Business Mastercard, once he’s ready for unsecured credit, as it’ll let him turn his everyday expenses into cash back or rewards. Best of luck in your fledgling business!

I have an Amex card upon which I will get a boatload of bonus points if I hit a spending threshold within 3 months. I don’t think I will make the threshold because Amex is not accepted in many places I shop. Is there any way to buy a prepaid Visa or MC using my Amex card, without incurring high fees?

Interesting comment! Unfortunately, most credit cards with bonuses that require you to meet spending milestones will only apply eligible spending to your total. We’re not sure which Amex card you hold, but regardless, we are sure that there’s a section in the fine print dedicated to what constitutes ‘eligible spending’. For all issuers, the “loophole” of buying prepaid cards or gift cards is closed in an airtight manner. It might feel clever to buy something with one card’s credit limit that essentially represents the same flexible purchasing power, but it won’t when you receive your statement and figure out that your plan was for naught. Good try though—and sorry to be the bearer of bad news. Just do you best to meet the spending requirements, and don’t force it if you can’t, because then you’ll burn up any benefits you would have gained from the bonus. Good luck!

Looks like this can only be used where VISA is accepted.

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