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Manage your money with the STACK app and use it everywhere with our reloadable Mastercard. STACK is a completely fee-free spending account that combines the flexibility and rewards of a credit card, with the cash-only security of a debit card.

Open your app-based account in minutes and join the tens of thousands of Canadians who took control of their money.

Manage Your Finances
● Get instant spending notifications
● Track how much you spend each week or month on things like groceries and transport
● Set up weekly budgets to cap your spending
● Round up every transaction to turn spare change into savings

Canada’s Best Travel Card
● Spend money all around the world with no foreign exchange fees
● Withdraw money and you’ll only pay the local exchange rate
● Use STACK anywhere Mastercard is accepted worldwide

Instant Rewards. Social Sharing
● Earn cash rewards when you spend with your favourite brands
● Capture and share your stories on our custom World Stream
● Discover how STACK members are savings with STACK

Payments Made Simple
● Tap and pay to speed up your daily transactions
● With Samsung and Fitbit Pay, everyday purchases are fast and convenient.
● Send and request money from friends and family at the touch of a button
● Split the bill with friends and family and we’ll take care of the math

Safe and Secure
● Freeze and unfreeze your card from the app any time, any place
● Protect your transactions with Mastercard zero liability protection
● Protect your deposits‎ with Canada Deposit Insurance Corporation

And More!
● Real-live human customer support
● No credit check when signing up!
● Get your free account in minutes

Want More STACK?

What’s New

Version 1.9.0

Virtual Card is here! You can now start using your STACK Virtual Prepaid Mastercard® right away for online purchases.

Ratings and Reviews

4.5 out of 5
610 Ratings

610 Ratings

herbhunter ,

Use at your own risk

From the Terms of Use of a company that wants to be the middle man between you and your money: "In no event shall the total and aggregate liability of STACK exceed $25.00."

Hard to take a fintech company seriously when they lead with that.

Developer Response ,

Thanks for posting so we can help clear this up. We don't think of ourselves as a middle man for your money - we’re more of a digital account technology that has innovative features to let you spend, save, share and move your money in brand new ways. Your money itself is held by our banking partner, Peoples Trust, a regulated financial institution. We don’t actually ever hold your money ourselves. If anything were ever to happen to STACK, all of the funds you’ve deposited are protected by People Trust and would be returned to you.

For the sentence you quoted in your review, there’s a paragraph before explaining that the liability there is related to (and we don’t want to get too technical here, but…) how we’re not liable for things like intellectual property rights, third-party rights, etc. based on your use of STACK. This would only come up in some pretty extraordinary circumstances and, even though we don’t love legal language, it’s a standard protection that companies include in their terms of service. Let us know if you’ve got any more questions!

nimzshar ,

Worst experience activating my card!

It’s a pain to activate this card. Once received they set you up with a random 4 digit pin. And I did change the pin to my personal one. Tried shopping with it twice, pin got rejected. Then called up customer support, then I was informed that I should take it to an ATM machine and check balance to activate it. I did try that, but none of the ATM machines had an option to check my card balance.
But since the pin got accepted at ATM, tried another transaction at store. Failed again and account got locked after 3 attempts.
Called up support, then was informed this funny concept. That not all ATM machines support balance check.

And they asked me to go keep trying different ATM machines until I find that option or do a transaction. Funny part is, they initially give u only $20. And to perform a transaction at ATM , then minimum is $20 and on top of that they charge $3 fee. So in total the transaction of $23 failed as I don’t have that balance.
Indirectly these smart guys are making us load the card (minimum load is $50).

For the Stack team: It was so frustrating to go around hunting ATM machines that would do a balance check and even after 6 different ATM (all leading banks) , I failed to do so. And I’m no way doing a top up on card that has such poor process and of course zero clarity.

Goodbye Stack and I’m going to ask my friends whom I referred (should never have ) to stop using Stack!!!

Dannnnnnn1234567890 ,

Total Waste of time!

Loaded just under 2500$ onto the card, card froze, contacted them Friday @5, waited on hold till close.
Sat&Sun they’re closed. So waited the weekend, called Monday, 24-48 hrs until someone “may” call me back. Then another 24-48 hrs until block is removed and card is useable again.
So technically, wait a week until you can access your funds.
Don’t waste your time!!
++ Worst customer service ever! 75 minutes on hold!! The woman just kept on reading the same lines over and over again. This isn’t 25/250$ being held up. My vacation will be over by the time I can access my vacation funds.


Stack Fintech Inc.
99.7 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, French

Age Rating
Rated 4+
© 2019 STACK


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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