PC Financial Launches the PC Money Account

Updated Jul 17, 2026
PC Financial Launches the PC Money Account - PC Money Featured
To the point PC Financial launches the PC Money Account, a Mastercard prepaid card to earn PC Optimum points.

PC Financial Launches the PC Money Account

After offering 3 credit cards, PC Financial is now launching a Mastercard prepaid card.

The great perk is to get PC Optimum points for current transactions, for those who pay with their debit card. However, using a credit card for groceries, gas or drugstores is often much more rewarding in terms of points.

PC Financial Launches the PC Money Account - PC Money 2

Earning PC Optimum points

10 to 25 PC Optimum points per dollar on each purchase

With PC Argent and your PC Optimum member account, you could earn 10 points per dollar on every purchase and up to 25 points per dollar for purchases at Shoppers Drug Mart / Shoppers Drug Mart.

As PC Optimum states in its terms and conditions, these are actually bonus PC Optimum points per dollar of purchase, compared to the PC Optimum points you would normally earn as a member:

  • Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account.
  • All PC Optimum members earn 15 points per dollar of eligible purchases at Shoppers Drug Mart. When you use your PC MoneyTM account, you will earn an additional 10 points per dollar spent.
PC Financial launches the PC Money Account - featured Pharmaprix

Up to 50,000 points as a welcome bonus

As part as PC Money Account Launch, you could earn up to 50,000 PC Optimum points as a bonus:

  • Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval.
  • Earn 10,000 bonus PC Optimum points when you link another financial institution’s bank account to your PC Argent account and receive a message confirming verification of your external account online.
  • Earn 1,000 bonus PC Optimum points for up to five bill payments of $50 or more to unique suppliers per calendar month; payments must be made from a valid PC Argent account.
  • Earn a one-time bonus of 25,000 PC Optimum points when you authorize the automatic transfer of your salary or pension into your PC Argent account for the first time, and at least three automatic transfers into your account are made during the three consecutive months following the authorization of these transfers.

The benefits of the PC Money Account

Here is the list of benefits offered by the PC Money Account:

  • No monthly fees
  • Unlimited everyday transactions
  • Free Interac e-Transfer® services
  • Online bill payments
  • Free in-store ATM withdrawals (President’s Choice Financial)
PC Financial Launches the PC Money Account - PC Money 1

PC Money Account Service fees

Here is a summary table of the various fees for the PC Financial PC Money Account:

ServicesFees
Unlimited In-Store PurchasesFree
Unlimited Online PurchasesFree
Unlimited withdrawals at PC Financial ATMsFree
Unlimited bill paymentsFree
Non-Sufficient Funds (NSF)$ 40.00
Withdrawal at a local ATM (other than a PC Financial ATM)$ 1.50
Withdrawal at an international ATM (Mastercard network)$ 3.00
Foreign Exchange Transaction Fee2,5 %
Send Interac® e-TransferFree
Receive Interac® e-TransferFree
Cancel Interac® e-Transfer$ 3.50
Optional Overdraft Protection Fee$ 5.00
Optional overdraft protection rate19 %
Bill Payment Trace$15.00
Bill Payment Recall$24.00
Rush Card Replacement$ 5.00
Card Replacement (1st Free per Year)$ 5.00
Printed Copy of Previous Account Statement$ 5.00
Inactivity Fee (yearly)$20.00
Assisted Transaction via Customer Service Representative (per transaction)$ 1.00

Conclusion

PC Optimum continues to expand its range of services to its customers. After credit cards, it’s now the turn of the PC Argent prepaid card to enter the wallets of PC Optimum members.

PC Financial clearly aims to attract a portion of its clientele accustomed to using a debit card or who cannot access credit.

If you’re a PC Optimum customer, there’s no reason not to get this prepaid card: no credit check is required, and it’s an opportunity for you to earn more PC Optimum points!

Frequent questions about PC Money Account

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine
Jean-Maximilien Voisine
Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.
All posts by Jean-Maximilien Voisine

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