How It Works
In this section you will find detailed information on how the program
works.
Login To Your Account
On the homepage look for where it says MANAGE
YOUR ACCOUNT on the left hand side above the yellow navigation
bar, above the selection, "About The Program".
Once we have reviewed and approved your application for
Smart-Transfer® membership you will receive an e-mail notification
with your USERID as well as both a temporary PASSWORD and PIN number.
With this information you can login to your account.
Please note that your USERID is permanent but you certainly
may change your PASSWORD and PIN number anytime. Note that your password
is case sensitive. You are requested to login within the next 30 days.
Editing Your Information
Use this page either to verify and/or correct your personal information.
If you recently have changed your permanent address, telephone number,
e-mail address or any other relevant information posted in this page,
please keep us updated. If by any reason, you have lost or forgotten your
PASSWORD and/or PIN information, please let us know as soon as possible.
We will assign another temporary set of a randomly generated PASSWORD
and/or PIN information. For security reasons, we strongly recommend you
to change both the temporary PASSWORD and/or PIN number randomly assigned
to you.
Creating your beneficiary list
Use this page to create your beneficiary list. Please note that you may
create up to a maximum of five beneficiaries. If you experience problems
populating your beneficiary list please call us at 1-800-724-5685, locally
at 416-840-1466 or email us csr@transcardinter.com.
If your beneficiary resides in Cuba, you will only need
the beneficiary’s TRANSCARD DOMESTIC card number. If your beneficiary
does not have a TRANSCARD DOMESTIC card, we can create the account from
our head office or the
beneficiaries can apply themselves for the card, free of charge, at the
following offices across the island [click
here for a PDF of the locations].
For those beneficiaries living in any other country
of our remittance service destinations, you will need to provide us the
information shown in the form according to the county and type of service
available. Please check Collection
Locations for more information.
Transferring Money
Once your account is set you up can assign funds to your account, view
your account balance, obtain the status of your transactions and use our
long distance service. However, some restrictions and regulations apply
for money remittances. We must have an authenticated or notarized photocopy
of your photo identification before money remittance services can be conducted
by you. For more information read the terms
& conditions posted on this site or call customer service
at 1-800-724-5685 or 416-840-1466.
To send money[2] you must:
• Log into your account
• Click on the Transfer button
• Select the beneficiary you want to send the money to from your
beneficiary list
• Type in the amount to be sent - the system will automatically
calculate the corresponding fee[3]. Please follow the instructions posted
in the TRANSFER SCREEN.
• If you experience problems making a transfer, call customer service
at 1-800-724-5685 and one of our representatives will gladly make the
transaction on your behalf.
Proof of ID
Due to Canadian Government Regulations, we are required to identify customers
conducting financial transactions (money remittances, funds transfers,
etc). We are required by law to ask for 2 pieces of identification
from every customer who is using the Smart-Transfer prepaid services.
All our customer’s information is stored securely in accordance
with applicable laws and regulations.
a. The first piece of identification must
bear a photograph of the likeness of the customer. The following ID documents
are acceptable forms of Photo Identification:
- Valid Canadian or Foreign Passport
- Valid Permanent Resident Card
- Valid Driver’s License
The following ID documents are examples of unacceptable
forms of identification: Birth Certificate, Provisional Driver’s
License, Credit Card, SIN or Student ID.
Before conducting any money remittance transaction, we must
have a photocopy of such valid photo ID authenticated (original of authentication)
by an Attorney, Public Notary or Bank Manager, as true copy of the original
document. The same photo ID can also be authenticated at our office or
at any authorized agent location. Photocopies of the customer identification
must be kept by the merchant as a proof of ID, as stated in our KYC policy.
Please note that you cannot certify copies of your own documents.
Legal personnel who certify the copy must compare it with the original
and state their official position or title, address and the certification
date. The following statement should also be included in the document:
“This photocopy is a true copy of the original ID document”.
b.Certified cheque, or bank confirmation.
The first remittance by a Canadian customer must be paid with a certified cheque,
where the name and address of the remitter is clearly printed, or the customer
must send to Transcard a letter from the financial institution confirming
the customer has a deposit account with the financial entity; the account number
is also required. This confirmation must be written on the financial entity?s
letterhead, and must be dated and signed by an authorized officer from the financial
institution. The authorized officer must state his name and official position or title.
Financial institution means a bank listed in Schedule I or II of the Bank Act,
an authorized foreign bank with respect to its operations in Canada, a credit union,
a caisse populaire, trust and loan company or an agent of the Crown that accepts
deposit liabilities. In the case of a foreign bank, the deposit account has to be in Canada.
The account cannot be one that is exempt from identification requirements for
the financial entity, such as a registered retirement savings plan or a reverse mortgage.
If you are sending money on behalf of a corporation, to comply with our KYC Policy,
we need to receive the following:
- Corporation?s name and complete address and phone number
- Articles of Incorporation, or
- Any other record that confirms the corporation's existence.
Examples of these include such other records as the corporation's published annual report
signed by an independent audit firm, or a letter or a notice of assessment for
the corporation from a municipal, provincial, territorial or federal government
- Name, address and occupation of all directors of the corporation, and
- Name, address and occupation of all individuals who directly or
indirectly own or control 25% or more of the shares of the corporation.
Entities other than corporations
To confirm the existence of an entity other than a corporation, please send a partnership
agreement, articles of association or any other similar record that confirms the entity's existence.
We also require ID and complete personal information from the person processing transactions
on behalf of the corporation or other entities.
Please mail all documents, and your remittances to:
Transcard
2820 Fourteenth Ave., Suite 200
Markham, ON
L3R 0S9
Canada
________________________________________
1]
Some security questions will be asked to authenticate the veracity of your
request. 2] In the event
card services are sold in U.S. Dollars, and the fund balance in the associated
Smart-Transfer® virtual card account is in lawful money of Canada,
by requesting any purchase of a services offered in U.S. Dollars, you
are thereby irrevocably authorizing and instructing our agents to exchange
the equivalent amount of lawful money of Canada or such other currency
available other than U.S. Dollars, as the context requires, from your
Smart-Transfer® virtual card account into such number of U.S Dollars
required to purchase the service and make payment of any associated fees,
in accordance with the applicable exchange rate and administration/convenience
fees then in effect.
3] Remittance Fees may change without further
notice.
