Tuesday, November 1, 2022

STACK Prepaid MasterCard Introduction


Updated on Nov 1, 2022: STACK will be implementing fees that depend on cardholder's transaction levels, E-Transfers, cash load, ATM usage, and account closures beginning Dec 1, 2022. Most of these fees will be reimbursed on a monthly basis to cardholders who spend more than $350 CAD per calendar month. To learn more about these fees, please see the table above. Honestly speaking, I don't like these new fees of STACK Prepaid MasterCard, and I plan to cancel this card before Dec 1, 2022.

STACK is a smarter way to spend, save, and share money–anytime, any place–with a mobile app or Prepaid MasterCard. Right now, STACK is available in Canada, including Quebec.


STACK account has many benefits:
  • No ATM fee
  • No foreign exchange fee
  • No monthly fee
  • Free STACK-to-STACK transfer
  • Easy to fund STACK account
  • Exclusive deals + promotions
  • Unlimited transactions. 
  • Tools to manage your money

In STACK app, you have multiple options to load the money:
  • Payroll direct deposit
  • Interac e-Transfer
  • Load using Bill Pay
  • Free STACK-to-STACK Transfers 


In addition, you can also load in-person with cash or debit instantly at any Canada Post location or choose from a network of 10,000 select locations across Canada like Hasty Market and Mac's, fee-free. Here’s how it works. Visit a participating Canada Post or retailer:
  • Open your STACK app, and tap the three dots over “more” to get to the menu
  • Tap Cash Load to get to your personal QR code
  • Show your QR code and let them know how much you want to load
  • Pay with cash or debit
  • If you have push notifications enabled, you will receive a push notification informing you that the funds have been credited to your account
Please note: Minimum $200 for Cash Loads. Maximum is up to $3,000 depending at retail location. No refunds permitted. For a list of participating locations, click here to see the interactive map: https://www.getstack.ca/cashload

Updated on Jun 13, 2019: In the new version of STACK app, they add the STACK Virtual Prepaid MasterCard. So, now you can start to use your STACK Virtual Card for online purchases right after registration.

Updated on Oct 2, 2019: STACK currently supports Apple Pay, Samsung Pay and Fitbit Pay.


Updated on Apr 8, 2020: Now you can pay all kinds of bills inside STACK, including credit card bills. And there is no additional fee for using this bill payment method (at least for now).


Updated on Jun 8, 2020: Finally, STACK card is available in Quebec!


Updated on Jul 21, 2020: STACK card can support Google Pay on Android phone now.

Updated on Aug 20, 2020: STACK is introducing their new Travel services (https://www.getstack.ca/stack-travel). You can earn 20% cashback when you use STACK Travel with your STACK prepaid MasterCard.



Updated on Dec 3, 2021: As of Feb 1, 2022, Foreign Exchange fees for the STACK card will increase to 2.5%. Each month, cardholders who spend a minimum of $350 in purchases will be reimbursed their Foreign Exchange fees on up to $1000 of foreign spending outside of Canada. If you want to find another card for ATM foreign currencies withdrawn outside of Canada, you could check the Wealthsimple Cash Prepaid Visa Card: https://www.canadianrewards.net/2020/12/wealthsimple-cash-introduction.html


BTW, If anyone wants to leave his/her STACK referral link below, please use the following format ONLY: "My STACK Card referral link is: *******. Thanks." Other format will be deleted. Thanks. Note: because it contains link, we need to approve referral comments one by one. So, please be patient...