FAQs

What is the Canada Post Prepaid Reloadable Visa* Card and how do I get one?

The Canada Post Prepaid Reloadable Visa Card is a prepaid card that you can load funds to over and over again. You can use the Card to make purchases wherever Visa cards are electronically accepted, including online, plus have cash access at any ATM displaying the Visa symbol. There is no credit check or bank account required for setup. To purchase a card, visit a participating Canada Post location.

Anyone! In particular, a Prepaid Reloadable Visa Card is great for people who are:

  • Security concerned - limit your exposure to identity theft and fraud, and worry less about shopping online.
  • Budget conscious - limit and monitor your spending easily.
  • Credit challenged - enjoy the convenience of a Visa card without a credit check.

You can buy a Canada Post Prepaid Reloadable Visa Card at any participating Canada Post locations throughout Canada.

Canada Post Prepaid Reloadable Visa Cards are available to persons aged 16 years and older who present valid government issued photo identification.

You can purchase a card with a non-Canadian passport, however, you must show proof of a valid Canadian address at the time of purchase.

No, it is not a credit card and is not reported to the credit rating agencies as you may only spend what you have loaded on the Card. Each time you use the Card, the purchase amount is deducted from the available balance.

No, the Canada Post Prepaid Reloadable Visa Card does not help to build or restore your credit. Since it is not a credit card, your transaction history will not be shared with any credit rating agencies.

Yes, you’re protected against fraud under the Visa Zero Liability Policy. If your Card or Card details are lost, stolen or compromised, you won’t be held responsible for unauthorized use or fraud, provided you meet your obligations outlined in the Cardholder Agreement.

I have a Canada Post Prepaid Reloadable Visa Card, how do I use it?

You can use your Card wherever Visa cards are electronically accepted - even online. It can also be used at ATMs displaying the Visa logo and for recurring payments. It cannot be used for online gambling or at merchants requiring a manual imprint.

The Card is loaded with your funds at the time of purchase. Once you have your Card, call Cardholder Services toll-free at 1-844-590-8876 to activate your card and get your personal identification number (PIN) to make purchases in store and access cash from an automated teller machine (ATM). Then sign your name on the white stripe on the back of the Card. See the How to Use Your Card page for step-by-step instructions on getting started.

You may hold no more than two un-expired and activated Canada Post Prepaid Reloadable Visa Cards in your name at one time.

No, supplementary Cards are not available. You may not purchase a card on behalf of a family member or someone else. If you would like to give a card as a gift, you may purchase a Canada Post Visa Gift Card.

Sign up for an online account so you can view your Cardholder Agreement, balance, transactions, do Card to Card Transfers to Canada Post Prepaid Reloadable Cards, manage Email Alerts and maintain your personal profile. Click “Register Your Card” on the homepage of CanadaPrepaidCardAccount.ca and follow the prompts for personal and security information and to select a username and password.

Note: Once your online account is set up, if you enter your username and password incorrectly more than three times you will be locked out of your online account for 24 hours. To unlock your account please call Cardholder Services at 1-844-590-8876.

In order to use your Card in stores and to access cash from an Automated Teller Machine (ATM), you will need the Personalized Identification Number (PIN) assigned to your Card. You may retrieve your PIN at any time by calling Cardholder Services at 1-844-590-8876 or by downloading the zenwallet™ app to your mobile phone. Available on Google Play and Apple App Store.

Your PIN is associated to your Card and cannot be changed. If you are provided with a replacement Card for a lost or stolen Card, the replacement Card will come with a new PIN (that cannot be changed).

If you forget your PIN, you may retrieve your PIN by calling 1-844-590-8876 or by downloading the zenwallet™ app to your mobile phone. Available on Google Play and Apple App Store.

If you enter the wrong PIN at a point of sale terminal and your Card becomes blocked, you will need to retrieve your PIN, then visit any financial institution's chip-enabled ATM displaying the Visa logo and conduct a balance inquiry or cash advance using the correct PIN to unblock the Card.

If you enter the wrong PIN at an ATM and your Card becomes blocked, you will need to call Cardholder Services to have the Card unblocked.

Please contact Cardholder Services if your PIN becomes compromised or is shared with unauthorized users.

Simply present your Card to the merchant and have them select the “credit” payment option. Depending on the type of terminal in the store, you will be required to insert the Card into the terminal to enter your PIN, or sign your name to a sales receipt to authorize your transaction. If you would like to purchase an item that is more than the value on your Card, let the cashier know how much to charge to your prepaid reloadable Visa Card first and then give them a second form of payment for any remaining balance owing on the purchase. Your Card will be declined if you try to make a purchase for more than the available balance on your Card.

Select ‘Visa’ as the card type and enter your Canada Post Prepaid Reloadable Visa Card number and expiry date as well as the 3-digit security code on the back of the card, if required. Enter your first and last name and other transaction information to complete the purchase.

You can reload your Card until the Card expires. There are limits on the amount you may load at any one time, as outlined in the Cardholder Agreement. Add money to your Card with:

  • Cash or debit at participating Canada Post locations. The amount you load will be instantly available.
  • A bill payment transfer from your bank. Enjoy the convenience of reloading your Card from work or home and add money directly from your bank account by making a bill payment to the vendor name “Canada Post Visa Card”. The amount you load will be available in one (1) to three (3) days. Not all financial institutions may allow this feature so check with your bank to ensure this bill payment option is available for you.

Yes, there are minimum and maximum limits that you can load to your Card. Please refer to your Cardholder Agreement.

If using the bill payment option from your bank account, it can take one (1) to three (3) days for a load to be posted to your Card. Check your online account or call Cardholder Services to ensure your Card is in active status and you have not exceeded the maximum balance of the Card. 

If it has been at least four (4) days, please contact your financial institution where the bill payment took place. It may be that you have exceeded the maximum card balance, maximum load per transaction, or provided an invalid card number. In all these cases, the full load amount will be returned to the bank account from where the bill payment originally came from. This process can take up to 14 days.

Yes, you can transfer funds from your Card to another Canada Post Prepaid Reloadable Visa Card instantly using the Transfer Funds option when you log onto CanadaPrepaidCardAccount.ca for free. You will need to know the recipient’s card number in order to set up this function.

Yes, all fees and limits are sent to the cardholder with the Card in the Cardholder Agreement and can also be found on this site in the Cardholder Agreement section.

Yes. The expiration date is printed on the front of your Card. However, the funds loaded do not expire.

No, there are no paper statements available for this card. You have online access to your balance and transaction history at CanadaPrepaidCardAccount.ca for free.

Yes, you can use your Card and PIN to obtain cash (subject to limits) at any Automated Teller Machine (ATM) in Canada or around the world where the Visa symbol is displayed for a service fee (please see Cardholder Agreement). Or you may use your Card to take a cash advance at any financial institution that issues Visa. Cash requests are subject to funds available on your Card.

Yes, your Card can be used for recurring billings or for pre-authorized payments.

Check your balance and transaction history for free by logging into your account online or by calling Cardholder Services at 1-844-590-8876.

You can also check your balance and latest transactions on your mobile device using the zenwallet™ app. Download the app for free from Google Play and Apple App Store.

Please note that merchants do not have access to your Card balance.

Your Card may not work at the pay at the pump or other unattended point of sale terminals. You must take your Card inside to the gas station cashier to pay.

Each merchant location has its own return policies and will handle returns in the same way as any other Visa transaction. They may credit your Card, provide a cash refund, or a store credit. If a credit is issued to your Card, the credit may not be added to the available funds for up to seven business days.

If a purchase has been declined, it is likely because the available balance on the Card was less than the purchase amount. Merchants do not have access to your Card balance and cannot automatically deduct the available balance for a purchase. So it is important that you inform the merchant the balance of your Card if it is less than the amount of your purchase.

Some merchants, such as restaurants, hotel and car rental reservations require the Card to have an available balance that is 15-20% greater than the purchase amount to ensure there are sufficient funds to pay for the final anticipated amount of the purchase (for tips, service charges, incidental expenses, etc.). This is a standard practice for merchants who accept Visa cards. In all cases, only the actual amount spent will be deducted from the Card.

The Card is prepaid, meaning it will only authorize when enough funds are available on the Card to cover the purchase. For more information, please refer to the article 10.8 of the Cardholder Agreement.

I need further assistance

To contact Cardholder Services, call 1-844-590-8876 toll-free. For your convenience this number is also printed on the back of your Card.

45 days prior to the expiry date on the front of your Card, if your Card is active and has funds remaining, you will automatically be issued a replacement Card with a new expiry so you can continue to use your funds. Your Card will not be replaced if 45 days prior to expiry, your Card is not in an active status and/or has a zero balance.

Lost and stolen Cards must be reported immediately by contacting Cardholder Services toll-free at 1-844-590-8876 and providing your Card number and other information as requested. A replacement Card will be issued subject to our verification and any available balance will be transferred to the new Card. As long as the lost or stolen Card has been reported immediately, the cardholder will not be responsible for any unauthorized charges thereafter.

Certain limitations apply. See the "Your liability for lost, stolen and misused cards and unauthorized transactions" section of your Terms & Conditions for details.

You should first dispute charges with the merchant. If your dispute is not resolved, then contact Cardholder Services at 1-844-590-8876.

You may cancel the Card at any time after you have spent the remaining Balance. To cancel your Card, call Cardholder Services at 1-844-590-8876.

I have questions about my online account at CanadaPrepaidCardAccount.ca

Identification questions are questions selected by you from a list of available options with unique answers that only you are supposed to know. This enhanced login process helps prevent online fraud and phishing, a type of online deception designed to steal personal information such as card numbers, passwords or other account information. The feature asks you to verify your identity to prevent unauthorized use of your personal financial information.

Upon your initial login to your Reloadable Visa account, you will need to update your user profile by answering a minimum of four questions from a list of available options with unique answers that only you are supposed to know. You will only be asked to answer two randomly selected security questions to confirm your identity when you log in to this site from another computer or smart phone. Once you update your user profile, there will be no change to ongoing access from your regular computer which recognizes you and does not require you to answer identification questions. In the future, when you log in to your Reloadable Visa account from a computer that you normally don’t use – like a computer in a library, internet café or if you have deleted your cookies, you will need to answer the identification questions to confirm your identity.

Your computer is recognized with what is known as a “cookie”. If you have cleared your browser cookies recently or you are using a different browser on your regular computer, you will be prompted to answer the identification questions again.

Every 90 days, you may be prompted to verify the answers to your identification questions to check that your answers are still valid. This will also allow you the opportunity to modify your answers in case they have changed over time.

Your Identification Questions and Answers will not be used for any purpose other than to authenticate your account access and to verify your identity, nor will we share this information with any third party except for the purpose of confirming and investigating a security violation.

If you have incorrectly answered your identification questions and your account has been locked or you require assistance, please contact Cardholder Services at 1-844-590-8876.

For any assistance with your identification questions, please contact Cardholder Services at 1-844-590-8876.