About Your Account
About Your Account
How do I check my current Opt+ balance?
Checking your card balance is easy! Choose one of the following convenient ways to check your balance at no charge:
- Sign up to receive email or text alerts in your online account
- Check your balance on the go with the Opt+ mobile app available for Android™ and Apple®
- Stop by any Cash Money store and ask the teller
What should I do if my card is stolen?
If your card is lost or stolen, please call us immediately. You can contact us 24/7 at 1-855-403-8343.
What if I don’t recognize a transaction on my card?
If you do not recognize a transaction when reviewing your account online, try to match up the transaction amount with your receipts. Sometimes merchant names will show up different than the actual name of the store. If you still believe that the transaction is incorrect you may file a dispute. Contact us at 1-855-403-8343 for assistance.
How do I set a Personal Identification Number (PIN) for my card?
You will be required to select your PIN when you register or activate your Opt+ prepaid Mastercard® online or by phone. You should not write or keep your PIN with your card. If you've forgotten your PIN or need to change it, simply log in to your account, click My Account in the main menu and select Reset PIN. We can also help you reset your PIN if you call us at 1-866-331-3063.
How can I change my PIN?
To change your PIN, log in to your Opt+ account. Once you've logged in, click My Account in the main menu and select Reset PIN.
How do I set up email and text alerts?
You can set up or change your account alerts by logging into your Opt+ account. Just look for the Manage Alerts option under Settings in the main menu.
Can I spend more money than I have on my card?
Your card will only be accepted if your card has enough money loaded to cover the transaction. To avoid declined transactions, you can load funds to your card in the following ways:
- Add funds fee free at any Cash Money location
- Set up Direct Deposit* and have your paycheque sent directly to your Opt + card
*Not available to residents of British Columbia
How do I close my Opt+ account?
To close your account, contact Customer Service at 1-855-403-8343.
The Basics
The Basics
What is a prepaid Mastercard®?
A prepaid Mastercard® is a smart and cost-effective alternative to carrying cash and paying cheque-cashing fees. Because it's a pre-funded card, you only spend the money you load on it.
Is the Opt+® prepaid Mastercard® a credit card?
No. To spend money, you must pre-load funds onto your card. When you use your Opt+ card, the amount of each transaction - including any applicable service fees - will be deducted from your account balance.
How does a prepaid Mastercard® work?
- First, you’ll need to purchase a prepaid card.
- Once you receive your card, you will need to activate it.
- Load money onto your card.
- Now you’re free to start spending!
- Reload funds onto your card whenever you need.
How do you make purchases with prepaid cards?
Just like a bank card, you can choose to make PIN or signature purchases with a prepaid card. Just swipe your card and either enter your PIN, or select "credit" to sign for your transaction.
Getting a Card
Getting a Card
How does the Opt+ card work?
Using an Opt+ card is simple! You can load money onto your card at any Cash Money location. Then use your card to make purchases anywhere Mastercard® is accepted. The amount of each purchase will be deducted from your loaded balance.
How can I get an Opt+ Mastercard®?
Opt+ cards can be purchased at Cash Money stores. To qualify for a card, you must be 16 years of age or over and be a permanent resident of Canada. You will also need:
- A physical address
- A valid Canadian government-issued photo ID
- $14.95+ tax to purchase the card (no bank account needed – you can cover the cost with cash!)
How long does it take to get my personalized card in the mail?
Your new personalized Opt+ Mastercard® card will arrive in the mail by Canada Post within approximately 7-10 business days. If you do not receive your card within this timeframe, please call Customer Care at 1-855-403-8343.
How do I activate my Opt+ card?
Once you receive your new personalized card in the mail you should sign the back then activate it immediately online, through the mobile app or by calling 1-855-403-8343.
Card Fees
Card Fees
How much does the Opt+ card cost?
In addition to the initial card cost, certain fees apply. Click to see the full fee schedule.
Can I use my Opt+ Mastercard® to withdraw cash from ATMs?
Yes! Registered Opt+ Mastercard® cards can be used to obtain cash from any ATM that has the Mastercard®, Maestro®, or Cirrus® logo. Fees apply to each ATM transaction, in addition to any fees the ATM owner may charge.
Deposits, Withdrawals & Spending
Deposits, Withdrawals & Spending
How do I load money to my card?
- Add funds fee free at any Cash Money location
- Set up Direct Deposit* and have your paycheque sent directly to your card
*Direct Deposit is not available to BC residents
Is there a daily limit to the amount of money I can withdraw from an ATM?
Yes. Just like a bank ATM card, there is a limit. The Opt+ prepaid Mastercard® withdrawal limit is $1,000 per day, with a maximum of 4 withdrawals and a maximum of $300 per withdrawal.
Where can I use my Opt+ card to make a purchase?
Opt+ prepaid Mastercards® are accepted worldwide wherever Mastercard® is accepted.
Can I use my card to pay bills online?
Yes! Your Opt+ card can be used anywhere Mastercard® prepaid cards are accepted, including online and over-the-phone purchases.
Can Opt+ cards be used to purchase gas at the pump?
Yes; we recommend you prepay inside. If paying at the pump, there will be a $75 hold on your funds to ensure your card has enough funds to cover your gas purchase. If your card doesn't have a $75 balance, it will be declined. By paying for your gasoline inside, only the actual purchase amount will be withdrawn from your card balance.
Can an Opt+ card be used for pre-authorized payments or bill payments?
Yes. Just check with the company that is accepting the payment to see if they accept Mastercard® cards and follow their payment instructions. A pre-authorization means that a temporary hold is placed on a portion of your funds over and above the actual purchase amount until the merchant settles the transaction - usually within 3 days. During this time these funds will not be available to you to make additional purchases or ATM cash withdrawals.