Credit Cards

Stack MC : No ATM Fees, No FTF! NO REFERRALS IN THREAD

  • Last Updated:
  • Nov 27th, 2020 9:07 am
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Thread Summary
Why:
* Pre-paid Mastercard, widely accepted, free to reload, no Stack-imposed foreign-exchange fees, no Stack-imposed ATM fees, no ongoing/maintenance fees
* Perks (cash rewards for targeted use)
* Good for travel, budgeting
* Good for parents to load for their children during school, etc.
* Good for person-to-person funds transfer (in lieu of Interac e-Transfers)

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How to load the card:
* Interac eTransfer (no minimum; send funds to load@getstack.ca, using unique security question/answer found in your app via Profile -> Interac e-Transfer Load; funds usually loaded within 0-30 minutes)
* Bill Pay - Stack Fintech Inc as payee, enter 12-digit number (starting with "2001") shown in your app via Profile --> Load Using Bill Pay. No minimum, takes 2-5 business days to complete. Currently supported by: RBC, BMO, National Bank Canada, Scotiabank, Tangerine, Central1 Credit Union, ATB, EQ Bank. This includes DUCA, Achieva, Meridian, motusbank, Manulife, Vancity, Motive, etc. If your credit union has not yet added them, you can request them to add Stack to their list. Confirmed not yet supported by: CIBC, Simplii Financial, TD.
* EFT Direct Deposit: no minimum. See details in your app via Profile --> Payroll Direct Load.
* Cash Load at participating Canada Post or retailer (e.g. Mobil): Minimum $200.no minimum. In your app, access your Profile --> Cash Load --> Show QR code at participating retailer. Retailer is supposed to only accept cash (or equivalent), but some users have reported being able to use a CC where the rule isn't strictly enforced by the system. More details on Stack's FAQ page. Seems to be temporarily or permanently disabled. Going to https://www.getstack.ca/cashload redirects to a page indicating "Cashload is temporarily paused for scheduled maintenance."
* Visa/MC Debit (instant, $50 minimum)[/s] Visa Debit discontinued due to "consistent technical difficulties [...] with our processing providers"

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Deals related to Stack MC:
* Free $20 off Twitch Bits
* Amazon Prime 1 year subscription - Expired (Nov/Dec 2018) - refer to this thread
* Netflix/Spotify/Tiday subscription for 1 year - Expired (Nov/Dec 2018) - refer to this thread
* Amazon.ca $10 off $10 spend bonus (might've been a sign-up offer around March-May 2019) - Expired?
* Canadian Tire $2 off $25 spend (June 2019?)
* Recurring/random $1 off $10 spend at various grocery stores. 1-time during Aug 1-15, 2019: Walmart, Sobeys, Safeway, No Frills, Superstore
* Recurring/random $1 off $5 spend at various coffee shops. 1-time during Aug 1-4, 2019: Tim Hortons, Starbucks, Second Cup. Sep 1-14: Starbucks
* Recurring/random $1 off $10 spend at specific restaurants. Daily Aug 5-9, 2019: St. Louis Bar & Grill, Jack Astor's, Domino's, Freshii, Popeyes Louisiana Kitchen, McDonalds, Subway
* Recurring/random $1 off $10 spend at "worldly" restaurants. 1-time during Aug 12-18, 2019: Sukho Thai, Jimmy the Greek, Edo Japan, Thai Express, East Side Marios, Ritz Carribean Foods, Chipotle, Sushi Shop, CoCo, Paramount Middle Eastern, Amaya, Chatime
* Recurring/random $1 off $10 spend at various gas stations. 1-time during Aug 16-31, 2019: Mobil, Shell, Esso, Petro-Can, 7-Eleven
* Recurring/random $1 off $10 spend at various liquor stores. 1-time during Aug 16-31, 2019: ?
* Random $1 off $5 spend at Dairy Queen, Baskin Robbins: Aug 20, 2019

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ATM Withdrawal: STACK no ATM fee.
Limit $500 per withdrawal. $1000 per day. $2000 per month. Select Chequing account if asked.

Restricted countries list: Belarus, Democratic Republic of Congo, Eritrea, Iran, Lebanon, Libya, North Korea, Russia, South Sudan, Sudan, Syria, Tunisia, Ukraine, Venezuela, Yemen, Zimbabwe

No fee ATM found:
In Canada, generally free at Credit Unions. Check for Ding-Free ATMs
AB: Canadian Western Bank, First Calgary Financial
BC : G&F, Vancity, Westminster Savings, Canadian Western Bank, Community Savings, Creston & District Credit Union, Propera Credit Union , Tangerine
Ontario: Northern CU, Alterna CU
NS: East Coast CU, CUA(Credit Union Atlantic)

USA
WECU (Whatcom county, WA)
Union Yes Federal Credit Union (near Disneyland, CA)
Comerica Bank (Koreatown, Los Angeles, CA; and possibly in Texas, Michigan, Arizona, California and Florida)

Japan
Seven Bank (7-Eleven)

Hong Kong
HSBC, ICBC, Bank of China

China
Agriculture Bank of China, Bank of Communications, ICBC Industrial and Commercial Bank of China

Taiwan
Bank of Taiwan, Cathay United Bank, MECA Intl Commercial
Doesn’t work at: Postal ATM

Vietnam
TPBank
VPBank

Singapore
UOB Bank, OCBC

Malaysia
CIMB

France
BNP Paribas
Credit Agricole
La Poste

Hungary
All bank ATMs that [@Kiraly] tried. The (non-bank) ATM at Budapest Airport charged a hefty fee.

Ireland
Bank of Ireland (including location at Dublin Airport)

Spain
Liberbank
Deutsche Bank

Turkey
Ziraat Bankasi (ATM available at Istanbul airport)
ING
Akbank

New Zealand
Kiwibank (Queenstown)

Colombia
Scotiabank Colpatria
Davivienda

Other countries
Check The Revolut List as a starting point.

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The ultimate free ATM withdrawal list for travelling (by country) and in particular: Here is the list of banks that don’t charge a fee for ATM withdrawal: => http://bit.ly/thefreeATMlist [added by bylo 16Nov19]

The list is organized by country and generally distinguishes between MC and Visa so it could be useful with cards other than Revolut's, e.g. Stack et al. At least it's a starting point for someone who arrives in a new country and is looking for a free ATM to get some local currency out of. As always with a crowdsourced list: YMMV and all that.

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PSA re Calling Stack: [added by bylo 11Feb19]
The only phone number Stack publishes on their website, prints on their cards, agreements, etc. is the toll-free 1-877-782-2501. That's useless when travelling overseas. I contacted Stack and got this response, "Our local number is 1-647-361-5601 and we accept collect calls." It's not clear if this number is answered 24x7 or only during business hours, but it's better than nothing.

PSA re Dynamic Currency Conversion: [added by louisvz 19May19]
When using the card abroad, you may be prompted to pay in local currency or your home currency. Always choose local currency to avoid dynamic currency conversion. For example, if you use the Stack card in Europe, always choose Euros when prompted by ATM's or payment terminals.

Stack System Status:
https://status.getstack.ca/

BEWARE of Chargebacks with Stack:
My recent experience of filing my first chargeback with STACK resulted in a denied chargeback even with evidence provided to support my claim. I highly recommend anyone using STACK to make small purchases ONLY that you don't ever care filing chargebacks for; such as, restaurant meals and groceries.
3828 replies
Deal Addict
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Jan 4, 2009
4009 posts
2442 upvotes
on the links
"Beta waitlist and be first-in-line". Marketing sounds like Brim II: Waiting for Godot


Also not a credit card, so it's like Mogo
Newbie
Dec 3, 2017
46 posts
29 upvotes
I'll be the first-in-line to see how this BRIM v2 turns out. At least there is no credit check for prepaid cards, I assume. LOL
Deal Fanatic
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Oct 1, 2011
6337 posts
1498 upvotes
wtf

Do you guys just all use the same web designer?
Sr. Member
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Dec 20, 2017
618 posts
747 upvotes
Prepaid card, not really enticing.
Deal Addict
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Jul 22, 2008
1635 posts
307 upvotes
Would be worth it for foreign ATM withdrawals only - if it actually existed.
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Dec 3, 2017
2433 posts
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K-W/Guelph
peanutz wrote: wtf

Do you guys just all use the same web designer?
They probably buy templates from a company that makes thousands of similar ones.
DUCA credit union member
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Dec 3, 2017
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K-W/Guelph
Ah so another pre-paid mastercard however unlike the ones that exist currently this one looks very interesting, there seems to be no (or few fees) which is really cool plus the free ATM withdrawals and no forex. Seems to be another fintech startup (a la brim) but hopefully unlike Brim we won't be waiting forever. One thing I do wish to say about these pre-paid cards is how none of them have any sort of deposit insurance, which honestly, concerns me. These prepaid cards are similar to bank accounts (and this one even allows for payroll deposit) but if the company who operates it goes under what happens to the money they hold? Really, CDIC insurance should be expanded to pre-paid cards before something bad happens.
DUCA credit union member
Member
Nov 26, 2015
352 posts
184 upvotes
Montréal
peanutz wrote: wtf

Do you guys just all use the same web designer?
There is a wonderful thing (as a front-end dev) from Twitter called Bootstrap: https://getbootstrap.com/

It saves a lot of time in styling and practically most new sites are just bootstrap with a few modifications.

The Loblaws card site is another bootstrap site.
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Dec 3, 2017
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K-W/Guelph
ryan10075 wrote: There is a wonderful thing (as a front-end dev) from Twitter called Bootstrap: https://getbootstrap.com/

It saves a lot of time in styling and practically most new sites are just bootstrap with a few modifications.

The Loblaws card site is another bootstrap site.
Ah so it's a CDN with built in themes
DUCA credit union member
Deal Fanatic
Dec 16, 2005
5334 posts
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jacnel wrote: Ah so another pre-paid mastercard however unlike the ones that exist currently this one looks very interesting, there seems to be no (or few fees) which is really cool plus the free ATM withdrawals and no forex. Seems to be another fintech startup (a la brim) but hopefully unlike Brim we won't be waiting forever. One thing I do wish to say about these pre-paid cards is how none of them have any sort of deposit insurance, which honestly, concerns me. These prepaid cards are similar to bank accounts (and this one even allows for payroll deposit) but if the company who operates it goes under what happens to the money they hold? Really, CDIC insurance should be expanded to pre-paid cards before something bad happens.
Over payments on credit cards are not covered by cdic either. So it is the same thing
Deal Fanatic
User avatar
Oct 1, 2011
6337 posts
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ryan10075 wrote: There is a wonderful thing (as a front-end dev) from Twitter called Bootstrap: https://getbootstrap.com/

It saves a lot of time in styling and practically most new sites are just bootstrap with a few modifications.

The Loblaws card site is another bootstrap site.
This explains so much. Disappointed But Relieved Face Thank you.
Deal Addict
Dec 4, 2008
1624 posts
1189 upvotes
Was interested up until I found out it was a prepaid card... not a huge fan of prepaid cards personally (ontop of what was already discussed above).

Why can't a Canadian company just offer a CC with something like the following:

-Visa (not prepaid, like an actual CC)
-1% base earn (maybe even 2% earn on w/e special categories)
-No FX
-No AF

Yes, pretty much Chase's Amazon card...I mean I'd like more but that would be a great start.

Glares at Brim
Deal Addict
Mar 1, 2016
1092 posts
397 upvotes
toronto
sports1 wrote: Was interested up until I found out it was a prepaid card... not a huge fan of prepaid cards personally (ontop of what was already discussed above).

Why can't a Canadian company just offer a CC with something like the following:

-Visa (not prepaid, like an actual CC)
-1% base earn (maybe even 2% earn on w/e special categories)
-No FX
-No AF

Yes, pretty much Chase's Amazon card...I mean I'd like more but that would be a great start.

Glares at Brim
actually prepaid card can be useful when using dodgy ATM in developingcountries. now that AC conversion made it impossible (needed to load CAN$ for most) this would be a decent option.

but again really limited

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