General Purpose Reloadable (GPR) Card

GPR cards are purchased by a consumer for his/her personal use to pay for purchases, pay bills and/or access cash at ATMs. The cards may be purchased online and in retail locations from a variety of providers, and funds may be loaded onto the card through direct deposit of wages or benefits or at locations that offer reload services. The cards are not connected to a bank account, are safer than cash and cheques, and offer a secure way to shop online without revealing confidential information. GPR cards are available with EMV chip and PIN technology. They are accepted everywhere the card network is accepted including in-stores and online. In 2015, general purpose reloadable card loads totaled CAD$ 1.84 billion in Canada and the average load per card was CAD$ 2,016. 

  • Find the card that suits you best. GPR cards come with a variety of different features and benefits. Plan how you intend to use a card and then find the card that works best for you.

  • Manage your budget. GPR cards offer balance checking by phone, text, or online, along with budgeting, tracking and other financial management tools. The back of the card provides instructions on how to check the balance.

  • Keep the card literature. Keep important information about your card in a safe place, including terms and conditions, the website address, and the card’s expiration date and policy. Do not keep your PIN information with your card. GPR cards require registration of personal information in order to reload funds and take advantage of all the product features.

  • Report fraud or loss immediately. If the card is lost, stolen or used for purchases without authorization, it may be reissued and the funds can be replaced. Make sure to report any losses or unauthorized purchases to the customer service number immediately.

  • Spend them anywhere, even online. GPR cards can be used anywhere the card network is accepted, even online, so look for the best deals.