What is the Tipstoday Program?

It’s a Bank and Network sponsored program that enables your employer to direct deposit your earnings, expenses, milage, or commisions to your Today™ mobile wallet every day. No monthly or annual fees.

How do I activate my card?

Your manager will invite you to download the app via SMS (text). Log in using your mobile number with the temporary password provided in the SMS (text) invitation. Create your own permanent password. If your phone supports the feature, you can set up fingerprint or face recognition to login. Activate your Today card by scanning the QR code or entering the 13-digit proxy number found on the back of your card. Your Today Card is now active and linked to your mobile account. You’ll start receiving deposits as soon as your employer is ready.


Where can I find my PIN and how can I use the tap feature?

Your PIN is available in the app once your card is activated. To find it, tap the ‘More’ button from the menu and then look for ‘My Card’. Once selected, you will be able to view your PIN and proxy number, suspend or unsuspend your card or activate a new card. You can not change your PIN, however, you can refer to it in the app any time. If your PIN is compromised, please suspend your card in the app and contact customer service. Your Today card is tab enabled to allow for contactless purchases. To activate the feature you need to insert your card and your PIN at a POS at least once.

Where can I use this card?

You can use your card for free, anywhere the network* is accepted worldwide! In-store, online, and even as a payment method for your favourite apps such as uber, lyft, or skip the dishes. *Refer to the logo on your card to determine which network your card is on.

I see a Mastercard logo, is this a credit card?

No, this is a reloadable debit card.

How will I receive my tips?

Your tips will be loaded to your Today™ mobile wallet for free, on a schedule decided by your manager. You will receive a text message as soon as funds have been loaded!

Now that my tips are digital, can they be tracked by the CRA?

The card is not registered to your SIN, nor does it report anything to the government. This card remains anonymous. The responsibility remains with the cardholder to report earnings.

Are there any added features with this card?

Yes, we have a few optional features, including e-Transfer and free Bill Pay. Add any bill to the app and pay it off with your tips at no cost. You can also send money to another Today Card for free, with Card to Card transfer. This feature is often used in businesses that do tip pooling among employees.

Can I take cash from an ATM?

Yes. We are working on a surcharge free network partnership that will offer unlimited free ATM transactions at over 56,000 locations in the US and over 1000 locations in Canada. Only the ATMs in our network will be fee free, any other ATM used will still have a $2.50 fee, plus any fees from the ATM provider. You will be able to find our network locations in your app using an ATM Locator. Until it is available, enjoy a $5 rebate, on us, for ATM withdrawals at any ATM.

What happens if I lose the card?

If you lose your card, you have the ability to suspend it. Your funds will remain safe until you retrieve a new Today™ card from your manager. Your funds will be immediately transferred over to the new card.

What is Card to Card Transfer?

This free feature allows you to move funds from your Today card to another Today card by simply entering in the proxy number found on the back of the card.