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Every day is payday.

Get your hands on the free app that makes sure you never wait for your money again.

What is this app for?
Today was designed to serve up instant access to your pay. Plain and simple. Your employer can pay out virtually any earning or wage, including tips, expenses, mileage... you get the picture. The money is directly deposited in the app through your mobile wallet, and you can spend your funds immediately using the Today card linked to your account. No more waiting for your money.


Our mission
Build financial tools for frontline workers, so they can earn, spend, save and build a financial future.

Fits your wallet & your lifestyle
Use the money in your wallet to grab a morning coffee, dine out with friends, fund your next wardrobe haul, or as a payment method on your favourite apps. There are no monthly or annual fees.

Money that makes money
Get cashback for online purchases when you use your Today Card at our Partner Brands.

Send money to friends & family
Send Interac e-Transfers to any external bank account whenever you need to.

Keep your money on lock
Mastercard’s Zero Liability protection backs your money. Plus, if you ever lose your card, you can lock it in the app until you get a new one.


How to get started
Getting your app-based account set up is easy and takes less than a minute! Once you receive your invitation from your employer, enter your mobile or email, enter the verification code, create your password, activate your card by scanning its QR code, and you’re ready to go! Your employer can begin loading your wallet instantly, and you’ll join thousands of Today members who are enjoying the benefits of getting fast access to their money.


Today is part of the XTM family of products. Trusted by nearly 100,000 members in Canada, XTM is cooking up leading products to help operators run a more efficient business and build a happier team.


How will it benefit my financial health?
Cashflow management isn’t just for businesses. Everyone could use a little help. Today gives you faster access to the money you’ve earned so you can cover any expense that comes your way.

Sounds great. What’s the catch?
We want to put money in your pocket at the end of your shift. That’s why your Today mobile app and card are absolutely free for you. No fees to spend your money (just like cash). And if you need to cash out IRL, stop at one of our network ATMs for free.

Get help when you need it
Visit the ‘Help’ section in the app to view FAQs or contact support via email, phone call, or chat in-app
[email protected]
1-888-493-3144

Restrictions
Please note that your wallet can only be loaded with money sent to you from your employer.