My Today Card: 2.0 4+

Get earnings instantly


Designed for iPhone

    • Free

iPhone Screenshots


Today™ is a free mobile wallet, paired with a Mastercard® that is changing the way employers are paying their staff and the way staff are receiving their earnings, gratuities, and expense reimbursements.

Your secure chip & PIN Mastercard works like a debit card but lets you use it like a credit card with online purchases, car rentals, hotel reservations and as a payment method for your favourite apps. Use the Today card anywhere that Mastercard is accepted.

Getting your app-based account set-up is easy and takes less than a minute! Once you receive the signup token from your invitation text message, enter the token, create your password, activate your card by scanning its QR code and you’re ready to go! Your employer can begin loading your card instantly and you’ll join thousands Today users who are enjoying the cashless benefits of getting fast access to their money.

Why Canadians love their Today card:

Pay day? No more wondering.
Receive SMS messages or push notifications the moment you get paid

Use your money in more ways
• Free unlimited online or in-store purchases
• ‘Tap to pay’ for fast contactless transactions
• Free unlimited bill payments
• Withdraw cash at any ATM
• Send money to friends, family or another bank account from the app with e-transfers
• Tip sharing with peers is easy with instant Card to Card transfers from the app

Your money is international
• Use your card to make purchases or withdraw cash anywhere Mastercard is accepted worldwide
• Spend your money border-free with any online international retailer that accepts Mastercard

Manage your money
• See your updated balance in real-time, your money can be spent immediately
• Keep track of spending on everyday purchases like groceries, transport, and eating out
• Edit your billing address for online purchases in-app
• Use the same card to receive money from any employer who pays earnings using the Today program
• Freeze and unfreeze your card from the app anytime, anyplace
• Pair a new or replacement card to your account with zero downtime

No hidden fees
No overdraft. No minimum balance. No hidden monthly service or inactivity fees. We don't believe in charging you fees to receive or spend your money. We only charge avoidable fees for things like sending an e-transfer, withdrawing from an ATM, sending a card to card transfer or making a purchase in foreign currency. See our terms for more information (

Your money & data is safe
Today™ is a product of XTM Inc., a fully compliant FinTech company that is publicly traded. Feel more confident if you misplace your card by locking your card in-app, anytime. You're also protected from fraud or unauthorized account use under Mastercard’s Zero Liability Protection.

Get help when you need it
Visit the ‘Help’ section in the app to view FAQ videos or contact support
Real live human customer support via email, phone call, or chat in-app

We created the Today card for you, our customers!
We are always looking to improve your experience. We have a lot of ideas for new features on our roadmap, and we’d love to hear yours. Reach out to us in app to share your thoughts!

Today has been featured in publications like BNN Bloomberg, Financial Post, Restaurants Canada Webinar series, Menu Magazine, Canadian Pizza Magazine, Payments Canada PayPod Podcast

Please note that your card can only be loaded with money sent to you from your employer.

Please be aware that some merchants, such as gas stations, restaurants, hotels, and rental agencies, may place a temporary pre-authorization hold to ensure your card is valid and that there are sufficient funds on the card to cover the final amount. Holds are usually removed and released back onto your card when the transaction is completed within 3 business days, or up to 30 days with hotels and car rental agencies.

What’s New

Version 102

Direct Deposit Information

Ratings and Reviews

1.4 out of 5
64 Ratings

64 Ratings

KING_104 ,

Always something down

Had the App for about one week now because of work. Something has been down or not working about four times now in that seven days. Pretty bad start so far.

Developer Response ,

Hi, we sincerely apologize for your experience with our app. There was an outage weeks earlier, and our team has worked on the service maintenance and resolved the issues. Please contact us at if the problem persists. Thank you.

Kikikikikokokiko ,

app not working

App hasn’t been working for multiple days now.

Developer Response ,

Hi, we would like to apologize for the issue. We experienced a service outage last week, and it's likely to be a related issue. If the problem persists, please contact us at, and our team will resolve the issue asap. Thank you.

Alberta2022 ,

Just not opening

I can’t open the app

Developer Response ,

Hi, we are sorry for the issue you've experienced. It's likely due to the outage we had last week, but please contact us at with the details if the issue persists. Thank you!

App Privacy

The developer, XTM 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:

  • Contact Info

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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