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Here's what other people just like you wanted to know.

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The Basics

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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.

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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.

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  1. First, you’ll need to purchase a prepaid card.
  2. Once you receive your card, you will need to activate it.
  3. Load money onto your card.
  4. Now you’re free to start spending!
  5. Reload funds onto your card whenever you need.
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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

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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.

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Opt+ cards can be purchased at Cash Money stores and online. 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:

  1. A physical address
  2. A valid Canadian government-issued photo ID
  3. $14.95+ tax to purchase the card (no bank account needed – you can cover the cost with cash!)
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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.

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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

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In addition to the initial card cost, certain fees apply. Click to see the full fee schedule.

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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

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  1. Add funds fee free at any Cash Money location
  2. Set up Direct Deposit* and have your paycheque sent directly to your card

    *Direct Deposit is not available to BC residents

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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.

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Opt+ prepaid Mastercards® are accepted worldwide wherever Mastercard® is accepted.

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Yes! Your Opt+ card can be used anywhere Mastercard® prepaid cards are accepted, including online and over-the-phone purchases.

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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.

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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.

Still have questions?

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Safe and Secure

This card is issued by PACE Savings & Credit Union Limited pursuant to license by Mastercard International. Use of this card is governed by the agreement under which it is issued. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Tap & Go is a trademark of Mastercard International Incorporated. Data rates may apply. Card funds are not insured by Canada Deposit Insurance Corporation or any other government deposit insurer or agency.

1Timing of direct deposit posting depends on when we get notice from the payor and may vary from deposit period to deposit period. Paycheques not available in BC.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply

Opt+ may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use