All 13 Canadian provinces and territories (the issuer’s wording); you must be a Shakepay customer
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- The card page states only that there is no annual fee; FX, ATM and top-up fees are not listed and not published by the issuer — this record does not treat that as zero.
- Debit / Deduction Model
- Draws directly on the Canadian-dollar cash balance in a Canadian app; bitcoin cashback lands in the app’s BTC balance and can be withdrawn to self-custody
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The card page lists no document requirements; an account and card require Shakepay’s FINTRAC identity verification (registration no. M17065696), and the issuer states there is no credit check.
- Officially supported countries and regions
- All 13 Canadian provinces and territories (the issuer’s wording); you must be a Shakepay customer
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa prepaid card issued by Peoples Trust Company under licence from Visa Int.
- Issuer Arrangement / Payment Rails
- Peoples Trust Company (under licence from Visa Int.). The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The card page states Apple Pay is supported.
- Overseas AI Subscriptions
- Not stated in official documentation; does not imply unsupported.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 1.5% back in bitcoin, paid into the Shakepay BTC balance; the card page says "up to 1.5%" without breaking down the tiers.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- This is a prepaid card drawing on a Canadian-dollar cash balance
- Shakepay’s card is a Visa prepaid card; spending is debited straight from the Canadian-dollar cash balance in the app rather than selling bitcoin per purchase. Cashback is paid in bitcoin into the BTC balance and can be withdrawn to self-custody. [1]
- The physical card is the 2026 addition; the virtual card is not
- The card page says the physical card is available to Shakepay customers in all 13 provinces and territories; the official blog post of 2026-05-21 still describes the physical card as an approaching waitlist with Launch Edition early access. The virtual card existed for years before that — the physical card is the addition, not the whole product. [1] [2]
- No credit check, but the balance is not CDIC-insured
- The issuer states there is no credit check, while an account requires FINTRAC identity verification (registration no. M17065696). The card page also states the funds are not insured by the Canada Deposit Insurance Corporation (CDIC) — a prepaid balance is not a bank deposit. [1]
- Only one fee is published: no annual fee
- The card page mentions only that there is no annual fee; the FX markup, ATM withdrawals and top-up fees are not listed. This record does not treat "not published" as "free", so confirm them in the cardholder agreement before applying. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa (prepaid)
- Issuer arrangement / BIN
- Peoples Trust Company (under licence from Visa Int.). The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The card page states Apple Pay is supported.
- Google Pay
- ✅ Explicitly stated in official materials: The card page states Google Pay is supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: not specified in official materials; this does not mean unsupported.
Compatibility information for this card was verified on 2026-10-26 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Shakepay: Buy Bitcoin Canada (Shake Labs Inc.)
- Web Portal Support
- Web Account Available; Card Primarily via App — Accounts can be registered and accessed on the shakepay.com website; card details live in the app's card tab (tap "flip card" to see the number), and the help articles treat the app as the reference for card actions
- Apple App Store
-
App Store Official Download ↗ 1 storefront only: Canada
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The privacy policy applies Canada's PIPEDA and Quebec's private-sector privacy law and provides for a chief privacy officer; consent can be withdrawn and access, deletion, portability and restriction of processing can be requested, with complaints to the Office of the Privacy Commissioner of Canada or Quebec's CAI; it states that personal information is not sold or rented; some service providers may process data in the United States
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Kept while the account is open; retained for up to 7 years to meet regulatory requirements
- App Store Privacy Label
- Used for tracking: Identifiers, Usage Data; Linked to you: 6 categories; Not linked to you: 0 categories
- Google Play Data Safety
- Shared: App activity, Personal info; Collected: 6 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Self-service in the app: first empty all balances and export the transaction history, then tap the settings gear at the bottom right → Account Settings → Delete my account → I understand, close my account; contact support if the self-service route fails; the Google Play data-safety page says deletion can be requested
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Separate the virtual-card and physical-card timelines
This record could easily be written up as "a new Canadian card launched in 2026", but the issuer’s own two documents disagree: the card page says the physical card is available, the blog says it is still on a waitlist. What is certain is that the virtual card already existed and the physical card is what moved in 2026. The record follows that, rather than treating the whole card as new. [1] [2]
Cashback is paid in bitcoin
Cashback of up to 1.5% is paid into the app’s BTC balance rather than the Canadian-dollar balance. That means its real value moves with the bitcoin price, and that cashing out means withdrawing to a self-custody wallet yourself. The card page does not break down what earns the full 1.5%. [1]
Only one fee is published
The card page makes "no annual fee" prominent, but FX, ATM and top-up fees do not appear. For a prepaid card the FX markup is usually the main cost, and here it is blank. This record treats it as unpublished. [1]
Frequently asked questions
Is the Shakepay Card a credit card?
No. It is a Visa prepaid card that draws on the Canadian-dollar cash balance, and the issuer states there is no credit check.
Does it support Apple Pay and Google Pay?
The card page states that both are supported.
Is the balance deposit-insured?
No. The issuer states the funds are not insured by the Canada Deposit Insurance Corporation (CDIC).
Can it be used in the US or elsewhere?
The issuer says it is available to Shakepay customers in all 13 Canadian provinces and territories.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Shakepay Visa Prepaid Card on X; search results may change over time.
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