How It Works

Login To Your Account
On the homepage look for where it says MANAGE YOUR ACCOUNT on the left hand side above the yellow navigation bar, above the selection, "About The Program".

Once we have reviewed and approved your application for Smart-Transfer® membership you will receive an e-mail notification with your USERID as well as both a temporary PASSWORD and PIN number. With this information you can login to your account.

Please note that your USERID is permanent but you certainly may change your PASSWORD and PIN number anytime. Note that your password is case sensitive. You are requested to login within the next 30 days.

Editing Your Information
Use this page either to verify and/or correct your personal information. If you recently have changed your permanent address, telephone number, e-mail address or any other relevant information posted in this page, please keep us updated. If by any reason, you have lost or forgotten your PASSWORD and/or PIN information, please let us know as soon as possible. We will assign another temporary set of a randomly generated PASSWORD and/or PIN information. For security reasons, we strongly recommend you to change both the temporary PASSWORD and/or PIN number randomly assigned to you.

Creating your beneficiary list
Use this page to create your beneficiary list. Please note that you may create up to a maximum of five beneficiaries. If you experience problems populating your beneficiary list please call us at 1-800-724-5685, locally at 416-840-1466 or email us csr@transcardinter.com.

If your beneficiary resides in Cuba, you will only need the beneficiary’s TRANSCARD DOMESTIC card number. If your beneficiary does not have a TRANSCARD DOMESTIC card, we can create the account from our head office or the beneficiaries can apply themselves for the card, free of charge, at the following offices across the island [click here for a PDF of the locations].

For those beneficiaries living in any other country of our remittance service destinations, you will need to provide us the information shown in the form according to the county and type of service available. Please check Collection Locations for more information.

Transferring Money
Once your account is set you up can assign funds to your account, view your account balance, obtain the status of your transactions and use our long distance service. However, some restrictions and regulations apply for money remittances. We must have an authenticated or notarized photocopy of your photo identification before money remittance services can be conducted by you. For more information read the terms & conditions posted on this site or call customer service at 1-800-724-5685 or 416-840-1466.

To send money[2] you must:
• Log into your account
• Click on the Transfer button
• Select the beneficiary you want to send the money to from your beneficiary list
• Type in the amount to be sent - the system will automatically calculate the corresponding fee[3]. Please follow the instructions posted in the TRANSFER SCREEN.
• If you experience problems making a transfer, call customer service at 1-800-724-5685 and one of our representatives will gladly make the transaction on your behalf.

Proof of ID
Due to Canadian Government Regulations, we are required to identify customers conducting financial transactions (money remittances, funds transfers, etc). We are required by law to ask for 2 pieces of identification from every customer who is using the Smart-Transfer prepaid services. All our customer’s information is stored securely in accordance with applicable laws and regulations.

a. The first piece of identification must bear a photograph of the likeness of the customer. The following ID documents are acceptable forms of Photo Identification:

• Valid Canadian or Foreign Passport
• Valid Permanent Resident Card
• Valid Driver’s License and Valid Provincial Health Card with photograph.

The following ID documents are examples of unacceptable forms of identification: Birth Certificate, Provisional Driver’s License, Credit Card, SIN or Student ID.

Before conducting any money remittance transaction, we must have a photocopy of such valid photo ID authenticated (original of authentication) by an Attorney, Public Notary or Bank Manager, as true copy of the original document. The same photo ID can also be authenticated at our office or at any authorized agent location. Photocopies of the customer identification must be kept by the merchant as a proof of ID, as stated in our KYC policy.

Please note that you cannot certify copies of your own documents. Legal personnel who certify the copy must compare it with the original and state their official position or title, address and the certification date. The following statement should also be included in the document: “This photocopy is a true copy of the original ID document”.

b. On the second piece of identification, the address must be identical to the one provided on the customer profile. The following documents are the only acceptable forms of "address verification" identification:

• Utilities (Gas, Hydro, Telephone)
• And Property Tax Bills.

2] In the event card services are sold in U.S. Dollars, and the fund balance in the associated Smart-Transfer® virtual card account is in lawful money of Canada, by requesting any purchase of a services offered in U.S. Dollars, you are thereby irrevocably authorizing and instructing our agents to exchange the equivalent amount of lawful money of Canada or such other currency available other than U.S. Dollars, as the context requires, from your Smart-Transfer® virtual card account into such number of U.S Dollars required to purchase the service and make payment of any associated fees, in accordance with the applicable exchange rate and administration/convenience fees then in effect.

3] Remittance Fees may change without further notice.