New to Canada? Start moving forward with PYMO.
Receive money, send money, pay bills and spend with your PYMO Card — all from one secure digital wallet.
Eligible users may also access overdraft protection after approval, and build their Canadian credit profile through responsible repayment.
Wherever you are in your Canadian journey
PYMO is built around the moments that matter when you're building a financial life in Canada.
New Arrivals — First 24 Months
Just landed and setting up your financial life — SIN, housing, first job, and your first Canadian account.
Start managing money in Canada with confidence.
International Students & Temporary Workers
Studying, working, or balancing both — you need one place to receive, move, and spend your money.
Receive, move and spend money from one wallet.
Established Immigrants Supporting Family
You're settled in Canada and regularly send money home, share bills, and support loved ones abroad.
Move money easily and keep everyday spending together.
The PYMO Newcomer Financial Starter
Everything you need to receive, move, and spend money in Canada — in one wallet, from day one.
Digital Wallet
Receive and move money in one secure place — no Canadian credit history required to start.
PYMO-to-PYMO Transfers
Send money to other PYMO users instantly, fee-free on local transfers.
Wallet-Linked PYMO Card
Spend anywhere Mastercard is accepted, in-store and online, straight from your wallet.
Bill Payment & Everyday Spending
Pay rent, utilities, and phone bills from one balance and see where every dollar goes.
Credit-Building Education
Free, plain-language guidance on how Canadian credit works and how to establish financial history.
Overdraft Protection — If Eligible
Eligible users may access overdraft protection after approval. It's never guaranteed and never the headline.
Multilingual Onboarding
Plain-language identity verification, multilingual help content, and human support when you need it.
Establish Your Financial Footprint
Clear steps to build your Canadian financial profile from day one, including fraud and scam awareness.
Overdraft protection is an eligibility-based benefit subject to approval; PYMO does not guarantee approval or improvements to any credit score. Wallet funds are safeguarded separately from PaySprint's operating funds and are not deposits or insured by the CDIC.
We partner with the organizations newcomers already trust
Settlement agencies, student associations, language schools, employers, and community groups — PYMO offers free, genuinely educational financial-literacy workshops, with PYMO introduced as one available solution.
Free newcomer workshops
- Understanding Money and Credit in Canada
- How to Build Your Canadian Credit Profile
- Avoiding Payment and Newcomer Scams
- Managing Irregular Income in Canada
- Your First 100 Days Financial Checklist
