What It Costs

Choose the plan that’s right for you:

General Monthly Annual
Activation Fee Free Free
Plan Fee $5.95/ month $59.95/ year
Upgrade to Personalized Card $9.95 Free
Purchase Transaction Fee Free Free
Adding Money to Your PIVOT Visa Card Monthly Annual
Loadhub Load (Available at participating Canada Post locations) $3.95 $3.95
Load Voucher Fee (Available at participating retailers) $3 $3
Online Banking or Interac Online Transfer Load Free Free
Withdrawing Money from Your PIVOT Visa Card Monthly Annual
ATM Domestic Cash Withdrawal Fee $3 $3
ATM International Cash Withdrawal Fee $3 $3
ATM Domestic Non Monetary (e.g.. decline or balance inquiry) $1 $1
ATM INT’L Non Monetary (e.g.. decline or balance inquiry) $1 $1
International Exchange Rate bank rate + 3% bank rate + 3%
Managing Your Account Monthly Annual
Online Statements Free Free
Automated Customer Care Free Free
Live Customer Support Free Free
Card Replacement Fee $9.95 $9.95
Card Cancellation & Refund Fee $10 $10
Negative Balance Fee $10 $10
Limits* Monthly Annual
Max Daily Load Amount — via Load Vouchers $1,000 $1,000
Max Monthly Load Amount — via Load Vouchers $2,000 $5,000
Max Daily Load Amount — via Online Banking $2,000 $2,000
Max Daily Load Amount-via Interac Online Transfer $200 $200
Max Daily Load Amount-via Loadhub $2,000 $2,000
Max Daily Spend Amount $2,500 $2,500
Max Daily ATM Withdrawal $250 $250
Max Weekly ATM Withdrawal $250 $500
Max Balance on PIVOT Account $5,000 $5,000

*For card limits please review the Fee & Limit schedule at www.PIVOTCARD.ca