Log In

Why Opt+®?

SET & STICK TO A BUDGET

Only load money within your monthly budget. Then when the money is gone for the month, you will know you have hit your limit. Overspending is easy with a credit card but with a prepaid card, it’s easy to stick to a limit.

SECURELY MAKE CASHLESS PURCHASES

Online spending can be scary. Secure your money and your identity by using a prepaid card to securely make purchases online.

SAFEGUARD YOUR MONEY WHILE TRAVELLING

The Opt+ Mastercard® is accepted worldwide anywhere Mastercard is accepted.

ALWAYS KNOW YOUR BALANCE

Card Features

Opt Plus Card
Opt Plus Card
  • Direct deposit - get paid up to 2 days early(1)!

    Not available to residents of British Columbia

  • Instant* card freeze
  • Instant* card-to-card transfers

    *Subject to system limitations

  • Use anywhere Mastercard® is accepted
  • No fee loads and unloads at Cash Money Stores
  • Withdraw cash at ATMs worldwide

Card Fees*

Card Cost

$14.95 + tax

Monthly Fee

$7.00

Loads/Unloads

No fee at any Cash Money store

Signature Purchases

No Fee

PIN Purchases

No Fee

ATM Withdrawl

$2.00

ATM Decline/Balance

No Fee

Cash Advance

3% ($3 minimum)

Card-to-Card Transfer

$3.00

*See Terms & Conditions for full schedule of all fees and changes.

Start Spending Your Way

Get Started

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