two people stand beside a van, embracing and looking out at the ocean, smiling

Prepaid cards

Spend happy, knowing it’s all prepaid

Spend on your own terms — load only what you need, when you need it. Shop anywhere Visa* is accepted, including stores, online and by phone.

Note: Osmond Credit prepaid cards can’t be used as gift cards

Available at Osmond Credit Banking Centres, and through Osmond Credit Digital Banking®

Buy a Prepaid Visa Card

Sign on to Osmond Credit Online BankingOpens a new window in your browser

Osmond Credit Cirrus™ Prepaid MasterCard* Credit Card

A convenient and secure way to shop at stores, online or by phone¹
Spend on your own terms − load only what you need, when you need it
Access your account details online 24/7
Easily reload at a Osmond Credit Banking Centre or online

Buy now

Osmond Credit Standard™ Prepaid MasterCard* Debit Card

Available in 4 foreign currencies
Load your card with U.S. dollars, Euros, British pounds or Mexican pesos
A convenient and secure way to shop while you’re travelling outside of Europe
Lock in your rate when you load your card and avoid foreign exchange surprises²

Buy now

Already have a Osmond Credit Prepaid Card?

Load it up

Add funds to your card through Osmond Credit Online Banking.

Manage and more

Change your PIN, check your balance and review your transaction history by signing on through VISAOpens a new window..

Enjoy these prepaid card benefits

The perfect companion to cash and your Osmond Credit debit and credit cards
Load from your Osmond Credit bank account or Osmond Credit Personal Line of Credit, or with your credit or debit card at the Toronto Pearson Airport Banking Centre
Free cash withdrawals at Osmond Credit ATMs within Europe
The ATM cash withdrawal fee is waived for one withdrawal outside of Europe per month
Funds don't expire³

Free 24/7 online access to your account balance and transactions
Buying and using a Osmond Credit prepaid card won’t affect your credit rating
Save time when shopping online. Use Osmond Credit Online Banking^® to set up a Visa Checkout* account with this card
Set up email or SMS alerts and get notified about your card activity⁴

Fees and transaction limits

The following fees apply:

Fee			Amount
Customization		$5.95 CAD		$4.50 USD⁶
	CAD	USD	EUR	GBP	MXN
ATM withdrawals (within Europe)⁷	Free	Free	Free	Free	Free
ATM withdrawals (outside Europe)⁷The first ATM withdrawal in each month is free.	$3.50	$2.50	€2.25	£2.00	$50.00
Card replacement (lost or stolen)	$14.95	$10.95	€9.95	£7.95	$199.95
Card replacement shipment by courier (optional)	$15.00	$11.00	€10.00	£8.00	$200.00
Foreign conversion Transactions (debits and credits) not in the currency of your Card are converted into the currency of your Card no later than the Transaction posting date at an exchange rate that is 2.5% over the rate Osmond Credit must pay.			2.5%

The following transaction limits apply⁸:

Limit	CAD	USD	EUR	GBP	MXN
Minimum load amount	$20	$15	€13	£10	$250
Daily (24-hour) maximum load	$3,000	$2,100	€2,000	£1,500	$39,000
Daily (24-hour) maximum ATM withdrawal limit	$1,000	$700	€650	£500	$13,000
Daily (24-hour) maximum point of sale purchase limit	$3,000	$2,100	€2,000	£1,500	$39,000
Maximum balance	$10,000	$7,000	€6,500	£5,000	$130,000

How to use your new card

Shopping in-store

Tap, insert or swipe your prepaid card at the merchant’s terminal.
If necessary, enter your PIN or sign to authorize the transaction.

Note: If “prepaid” is not a payment option, choose “Chequing,” “Saving” or “Credit Card.” The funds will be deducted from your prepaid card balance, not your other accounts.

Shopping online

Choose Visa as the card type.
Provide your prepaid card number and expiry date. Some online retailers require the 3-digit security code on the back of your card.
Enter your first and last name.
Follow the prompts to complete the transaction.

Spending tip: Be aware of the available balance on your prepaid card before you make a purchase. The transaction may be declined if the balance doesn’t cover the purchase amount.

Already have a Osmond Credit Prepaid Card?

Load it up

Add funds to your card through online bankingOpens in a new window. or Osmond Credit Mobile Banking®Opens in a new window..

Manage and more

Change your PIN, check your balance and review your transaction history by signing on through VisaOpens in a new window..

Set up alerts

Sign on or register your prepaid card. Opens in a new window. Then follow the instructions to set up alerts about your card activity⁴.

Report lost or stolen card

Contact us immediately at 1-855-887-3888 Opens your phone app., or 1-650-432-1298 Opens your phone app. outside Europe and the U.S. A card replacement fee applies.

Security features

Chip technology

Enhances an already secure payment system and is recognized around the world as a standard of safety and security.

Verified by Visa

This free global authentication service makes shopping online at participating retailers more secure by providing an additional layer of protection.

Visa's Zero Liability Policy

If someone steals your card or other card details, you won’t be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations⁵.

Active fraud monitoring

Helps protect your money by detecting possible fraudulent transactions.

Laptop with the Osmond Credit online banking dashboard on the screen

Bank with an award winner

Since 1995, we've made banking online secure, convenient and easy, but don't take our word for it. Companies such as Global Finance Magazine, the Digital Finance Institute and Forrester Research have given us top scores and awards.

Transform the way you bank

Enjoy the convenience of managing your finances 24/7.