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Chexy

10000 Aeroplan points on paying bills with Chexy for new users (4000 points for existing users)

  • Last Updated:
  • Aug 18th, 2025 5:45 am
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Member
Apr 3, 2015
299 posts
311 upvotes
Toronto, ON
Is the CANADIANTSHIRT code one time use or does it work for the first payment for each of the recurring payments you set up?
Sr. Member
Feb 15, 2004
686 posts
223 upvotes
Newmarket
RobbieL3164 wrote: I'm using CT WE MC to pay my property tax and get 1%, then use chexy linked with Amex simplycash (2%) to pay CT WE MC bill and get 0.25% (2% cashback - 1.75% transaction fee), so far happy about this.
Is it still working to pay CT WE MC bill via Chexy? I couldn't find CT WE MC in the payee list.
Deal Fanatic
Jul 8, 2010
7918 posts
771 upvotes
York
As I try to setup a recurring payment on Chexy, I see there is a field to enter a promo code. If I set up a recurring payment without using a promo code (for example, car insurance), when it comes time to add another Chexy recurring payment (for example, rent), will the promo code field be there? Or is it only for the first ever recurring payment that you add?
Newbie
Sep 10, 2010
55 posts
23 upvotes
Vancouver
I can confirm this totally works it's not a scam. I was skeptical so paid a small amt to test before paying a large amount. When you use this to pay income tax instalment or property tax using the "one-time" option they get charged as recurring payments!! ie that will get you the max % for cards like the Scotia momentum visa! I got that card just for this that pays 4% so net gain for each payment is 4-1.75=2.25%! My tax instalment and property tax was ~$15k so that was a gain of $375!!! Money-mouth Face I've changed my condo fee to this now too and also Hydro even tho that's a small amt but hey why not it's basically free $ Smiling Face With Open Mouth And Smiling Eyes

I can also confirm the aeroplan bonus is legit too I can see that in my aeroplan acct now too! Smiling Face With Open Mouth Oh this is so good!! The only thing to watch out for is that the Scotia card has a max of $25k for the 4% category so will have to be careful cos anything > that is only 1%. I've also applied for the 3% TD cash back card now to use when I'm over. The TD has a $15k too so I guess the max gain from this is ($25k * 2.25%) + ($15k * 1.25%) = $812.50 per yr. But hey it's free $ Smiling Face With Open Mouth And Smiling Eyes
..
Last edited by MrDisco on Jun 23rd, 2025 10:51 pm, edited 1 time in total.
Reason: not allowed
Sr. Member
User avatar
Mar 12, 2006
949 posts
1378 upvotes
The net return when using the Scotia Momentum VI is 2.32% as the Chexy fee is included in the transaction.

We have two separate Scotia Momentum VI cards and two Chexy accounts between me and my wife. Also, we've got the maximum Aeroplan bonus on both accounts.
Last edited by vdimitrov on Jun 24th, 2025 10:58 am, edited 1 time in total.
Deal Fanatic
Apr 22, 2003
6982 posts
2699 upvotes
Successfully paid off my property tax using the CANADIANTSHIRT code and new TD cashback visa infinite card 10% up to $350 - so $379 in cashback plus $87 in fees saved, amazing. Hope this Chexy train lasts for a long time

And to confirm what other posters said, I started using Chexy a couple of months ago and I was successful in using the promo code, just need to set it up as a reoccuring payment not a one time, will cancel the reoccuring payment in a couple of weeks
Deal Addict
Apr 25, 2017
1023 posts
1078 upvotes
Richmond Hill
Pyro wrote: Successfully paid off my property tax using the CANADIANTSHIRT code and new TD cashback visa infinite card 10% up to $350 - so $379 in cashback plus $87 in fees saved, amazing. Hope this Chexy train lasts for a long time

And to confirm what other posters said, I started using Chexy a couple of months ago and I was successful in using the promo code, just need to set it up as a reoccuring payment not a one time, will cancel the reoccuring payment in a couple of weeks
right after the first payment is made, you can pause or delete the recurring payment.
Deal Guru
User avatar
Jun 6, 2010
10369 posts
6365 upvotes
Toronto, Ontario
Just some information regarding using the PAD chexy recurring payment.
- The fund once withdrawn, you cannot reallocate the fund to another bill. They can only refund it.
- They charge you the fee for the refund.

It is a pita to deal with once you have more and more PAD, especially when you first setup since a lot of the PAD setup take literally 1 month to set up.
You will most likely have your first PAD bill not withdraw. Dealing with the arguing and refund with Chexy is really a big headache.
I think I will probably just leave the fund in the account and see if let the next PAD in the next month take care of it.

Then that lead to another question. Since in PAD you basically enter the name yourself. How Chexy match the debit with the bill? Do they use the amount? I suspect this is a manual process. I really doubt their system can make sense of everything especially there may be small amount discrepancy with recurring bills. I think the algorithm will be it pick the closes amount for the bill and someone manually confirm it in the system.
shui wrote: I can confirm this totally works it's not a scam. I was skeptical so paid a small amt to test before paying a large amount. When you use this to pay income tax instalment or property tax using the "one-time" option they get charged as recurring payments!! ie that will get you the max % for cards like the Scotia momentum visa! I got that card just for this that pays 4% so net gain for each payment is 4-1.75=2.25%! My tax instalment and property tax was ~$15k so that was a gain of $375!!! Money-mouth Face I've changed my condo fee to this now too and also Hydro even tho that's a small amt but hey why not it's basically free $ Smiling Face With Open Mouth And Smiling Eyes

I can also confirm the aeroplan bonus is legit too I can see that in my aeroplan acct now too! Smiling Face With Open Mouth Oh this is so good!! The only thing to watch out for is that the Scotia card has a max of $25k for the 4% category so will have to be careful cos anything > that is only 1%. I've also applied for the 3% TD cash back card now to use when I'm over. The TD has a $15k too so I guess the max gain from this is ($25k * 2.25%) + ($15k * 1.25%) = $812.50 per yr. But hey it's free $ Smiling Face With Open Mouth And Smiling Eyes
..
They also get your sin. Keep in mind Chexy is not a financial institution and who knows what they are going to use our information for after they go under probably in a few years.
If I buy something that is not in deep discounted, my father will punish me; everyone will laugh at me. I will be the strange kid who doesn't fit in.
Guide to get free movie BOGO code from Virgin Mobile
Deal Addict
Oct 1, 2006
3969 posts
6196 upvotes
Montreal
Signed up for it yesterday and did my first bill payment. What are the timelines for referral and Aeroplan bonus? AP seems to be around 1 months after first payment?
Deal Guru
Jul 20, 2006
14488 posts
8204 upvotes
Germack wrote: Signed up for it yesterday and did my first bill payment. What are the timelines for referral and Aeroplan bonus? AP seems to be around 1 months after first payment?
I paid my first bill in the first week of June. Got my APs last Friday, so a little of 2 weeks for me.
Member
Jan 6, 2009
204 posts
129 upvotes
dankup wrote: As I try to setup a recurring payment on Chexy, I see there is a field to enter a promo code. If I set up a recurring payment without using a promo code (for example, car insurance), when it comes time to add another Chexy recurring payment (for example, rent), will the promo code field be there? Or is it only for the first ever recurring payment that you add?
It always shows up.
Member
Jan 6, 2009
204 posts
129 upvotes
dankup wrote: As I try to setup a recurring payment on Chexy, I see there is a field to enter a promo code. If I set up a recurring payment without using a promo code (for example, car insurance), when it comes time to add another Chexy recurring payment (for example, rent), will the promo code field be there? Or is it only for the first ever recurring payment that you add?
It always shows up.
Member
Apr 28, 2012
397 posts
519 upvotes
MONTREAL
Germack wrote: Anyone got this to work with Fizz, Sonnet or Hydro Quebec?
You can pay fizz with your cc, no need to go through chexy

I got it working with Hydro QC, municipal tax, tuition, daycare, e-transfer for extra-curricular lessons

Never tried Sonnet, but can't you use your cc?
Deal Guru
Sep 9, 2003
12169 posts
6835 upvotes
Vancouver
valcyclovir wrote: You can pay fizz with your cc, no need to go through chexy

I got it working with Hydro QC, municipal tax, tuition, daycare, e-transfer for extra-curricular lessons

Never tried Sonnet, but can't you use your cc?
500 bonus miles for each additional payee, the fee is worth it for one payment each
Member
Apr 28, 2012
397 posts
519 upvotes
MONTREAL
theflyingsquirrel wrote: Those terms are there to protect their ass. Works or not with a different name, who knows. You will have to try it yourself.
You are not supposed to bill pay someone else's bill too. But parents do that all the time for their kids.
Has anyone actually tried using P2 cc on P1 chexy account? I'm not planning to open another chexy account if that's possible for easier management.

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