The MintChip app is free to use. It is free to transfer money between friends and family using P2P transfers, to pay merchants and to cash out funds to a Canadian bank account.
We do not charge you a fee to top up from a Canadian bank account using Interac*® Online, or using a Canadian debit card that has either a VISA or MasterCard logo displayed on the front of the card. To top up with a Visa or MasterCard debit card, choose the ‘Credit Card’ option in the MintChip app. Also, as of June 25th, 2018 we will charge a 3.25% fee when topping up your MintChip account from a credit card using Apple Pay.