Chexy
Turn Expenses Into Rewards
Free
Make your credit card work hard for you
Pay rent, utilities, taxes, insurance, and more with your favourite credit card — even where cards aren’t accepted. Every payment is now an opportunity to earn cashback or points. A 1.75% fee applies per transaction.
Pay with the cards that earn you the most
Add up to 5 cards to your Chexy Wallet and assign each expense to the card that earns you the most rewards. Whether that's cashback, Aeroplan points, Amex Membership Rewards, or any other rewards of your choice — every dollar goes to work on the right card.
Paying bills has never been easier
Search for your payee, set a schedule, and choose how they get paid — Interac e-Transfer, Bill Pay, or Pre-authorized debit (PAD). Your card is charged four business days before your due date, and your recipient receives payment exactly as they expect.
All your household payments, tracked in one place
Stay in control of your household finances. Every bill you pay through Chexy comes with a clear receipt and timeline. Know exactly what was paid, when it was sent, and what you earned — all in one dashboard.
How it works
1. Add your recipient: Whether it's a landlord, a municipality, the CRA, or a utility provider.
2. Set your schedule: Choose a one-time payment or set a recurring schedule (weekly, bi-weekly, or monthly). Select your payout method (e-Transfer, Bill Pay, or PAD) to match how your recipient wants to be paid.
3. Link your card: Add the credit card that earns you the most.
4. Earn on every dollar: Chexy charges your card and your recipient is paid on time. You collect the points or cashback on your largest expenses.
Over 200,000 Canadians are earning rewards today
Chexy has processed over $1.5 billion in payments and helped Canadian renters and homeowners earn $35M in rewards on expenses they were already paying. Join them.
Refer a friend, earn together
Refer a friend and you'll both earn $15 when they complete their first payment. New users only. Find your referral code in the app.
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Chexy is a fintech company. Payment services are provided through People's Trust Company, a federally regulated trust company and CDIC member institution. Chexy is registered with the Bank of Canada as a Payment Service Provider and with FINTRAC as a Money Services Business, and maintains PCI DSS and SOC 2 Type 2 compliance. All card data is tokenized and stored in an isolated, encrypted environment using bank-grade key management. Identity verification and sanctions screening are performed on all accounts to ensure full compliance with Canadian financial regulations.
Chexy is a Canadian company, founded and headquartered in Toronto. Backed by Khosla Ventures, Air Canada, Crossbeam Ventures, Venrex and Antler.
Update to solve security issues and better performance
The developer, Chexy Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Chexy Inc.
- Size
- 112.2 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- Copyright
- © 2026 Chexy Inc.