Paying Canadian phone bill as American
I originally had this in paragraph form but it went on for ages. For everyone's sake I've decided to just use bulletpoints. I apologize if this comes across as being terse; I'm just trying to be concise
1. I am an American citizen who was recently granted a one-year Canadian working holiday visa.
2. I am technically in Canada now as a tourist. I can cross and come back under the work visa anytime. I prefer to wait to do that until my tourist visa expires in a few months but if necessary I can now. I don't believe I'm currently able to open a bank account here as a tourist (could be mistaken).
3. I want to switch to a Canadian mobile phone provider. This provider only accepts Canadian credit/debit cards for payment.
4. I have an amazing American bank (Schwab) through whom I have amazing perks that Canadian banks are lightyears away from offering (just for one example, unlimited ATM fee reimbursements worldwide — for me this is hundreds of dollars a year they refund me). I have not incurred a single fee with Schwab in 10+ years. I want to stick with them.
5. I have an American credit card through Schwab. I have a PayPal account with a confirmed American address and a PayPal account with a confirmed Canadian address. I also use Venmo.
6. I am trying to figure out how to, without incurring any fees, pay $50 CAD monthly to this mobile provider for my plan.
7. I've explored most every option. Debit accounts. Prepaid Visa cards. Virtual bank cards. Transferring to/from Schwab/PayPal/Venmo to Schwab/PayPal/Venmo/Canadian savings/chequing accounts.
8. Somewhere along the way, there's always a transaction fee, or a monthly fee, a currency conversion fee, or the like.
This all seems so complicated for a very simple idea: I am an American who wants to pay a Canadian bill without fees. If we're talking a one-time fee of a dollar or two, sure, I'll manage. But I'm going to be here for several years (1 year to find a job + 1 year to work under 1st visa + 1 more year to work under 2nd visa) at least and monthly fees for 3 years is something I'd like to avoid.
Thanks for your help!