Canada to Australia first. Fund by card at any hour, even when the banks are shut. Up to $500 CAD equivalent can land for your recipient within minutes on the digital path, with the rest typically within 3 business days — as a prepaid Visa, wallet balance, or gift cards when the catalogue is live. Or they take the whole transfer to their nominated bank (7 to 15 days depending on the bank).
From the wallet they choose: gift cards worth extra, a prepaid Visa, or hold for weekly rewards. Prefer a straight bank deposit? 7 to 10 days to major banks, 10 to 15 to the rest.
Indicative only. The live exchange rate and fee shown at checkout are what apply. Instant access is capped at 500 CAD equivalent per transfer.
The person receiving decides what the money becomes and how soon they can use it. That is the whole point of sending it.
Up to $500 of every transfer is available as soon as it clears to us, day or night. No waiting on banking hours in either country.
Take it as gift cards from a catalogue of hundreds of brands and get extra value on top of the transferred amount. Groceries, fuel, phone credit and more.
Money left in the iPayMate wallet earns rewards every week, paid as cashback. Spend it when it suits, on a card or straight to a bank.
Set the amount and destination, pay on your card. You see the exchange rate and our fee before anything moves. Banks closed? Does not matter.
The moment your payment clears to us, your recipient is notified that money is waiting, with the first $500 already available.
Gift cards worth extra, a prepaid Visa, or hold for weekly rewards, all from the wallet. Or they pick a straight bank deposit instead, 7 to 10 days to major banks, 10 to 15 elsewhere.
No mystery. International payments settle through central bank clearing on the sending side, which takes time. We make up to $500 of your transfer available straight away and the balance reaches the wallet once clearing completes, within 3 business days.
Transfers of $500 or under are available in full, in minutes. The cap is 500 CAD equivalent per transfer. Wallet settlement is typically within 3 business days; a direct-to-bank deposit takes the full amount in 7 to 10 days to major banks, 10 to 15 days to others.
Credit or debit, any hour of any day. The transfer starts moving the moment your card payment clears.
Send directly from your bank during banking hours. Suits larger, planned transfers.
Hundreds of brands covering groceries, fuel, phone credit and retail, worth more than the transferred amount.
Spend anywhere Visa is accepted or withdraw cash, no bank account needed.
Hold the balance and earn cashback rewards every week it stays. Convert to a card or bank deposit whenever.
The full transfer as one deposit in their local currency, 7 to 10 days to major banks and 10 to 15 to others, for those who just want it in the bank.
Balances held in the iPayMate wallet earn rewards every week, paid as cashback into the same wallet. No lock-in, no minimum stay. Spend or withdraw whenever you like.
The iPayMate wallet is not a bank account and rewards are promotional cashback, not interest. Reward rates are set out in the wallet terms.
You send from Canada. Your recipient collects in Australia. Further corridors may open later.
Up to $500 per transfer is available in the wallet within minutes of your card payment clearing to us, at any hour, and the remainder reaches the wallet within 3 business days. Choosing a direct bank deposit instead takes the full amount in 7 to 10 days to major banks, 10 to 15 days to others.
You see two things before you confirm: the exchange rate applied and our fee. There are no deductions after that. The figure you confirm is the figure you pay.
On the digital path, receivers claim with a code, then can spend from their wallet via virtual Visa or gift cards in the app catalogue. Select a brand and amount; we deliver the card to their iPayMate account. Some brands include extra spend value where shown.
Balances left in the iPayMate wallet earn cashback rewards each week they stay. The wallet is not a bank account and rewards are promotional cashback, not interest. There is no lock-in.
No. They can take the money as gift cards, on a prepaid Visa, or hold it in the wallet. A bank deposit is there for those who want it.
iPayMate operates as a money services business under Canada’s PCMLTFA, supervised by FINTRAC. We operate under Canada’s PCMLTFA and are supervised by FINTRAC. Identity checks apply to every transfer.
Questions about a transfer, the wallet or gift cards? Reach us directly.