How to activate your PC Financial Mastercard / PC Money Account Card
Activate your PC Financial Mastercard / PC Money Account card online, in the app or by phone — what you need, step-by-step instructions and fixes if activation fails.
Quick answer: Activate your PC Financial Mastercard / PC Money Account Card online at pcfinancial.ca or in the PC Financial app. Have ready: A pcfinancial.ca online account (create one if needed); The activation code on the sticker on your card. Use only pcfinancial.ca or the official app, never a link sent by text or email.
What you need
- A pcfinancial.ca online account (create one if needed)
- The activation code on the sticker on your card
Activate your PC Financial Mastercard / PC Money Account Card online
- Sign in to (or create) your online account at pcfinancial.ca
- Select Cards
- Choose the card you want to activate
- Click 'Activate now' and answer the questions
- Enter the activation code from the sticker on your card
Activate in the PC Financial app app
- Open the PC Financial app and sign in
- Tap Cards at the bottom of the screen, then Cards
- Choose the card and tap 'Activate now'
- Answer the questions and enter the sticker's activation code
Activate by phone
Call the activation number printed on the sticker on the front of your new card (or the customer-service number on the back) and follow the automated prompts. You will usually be asked for the card number and a piece of identity information such as the last four digits of your SIN or date of birth.
After you activate
- Link your PC Optimum account to earn points
- Add the card to your mobile wallet
- Set up alerts
If your President's Choice Bank card won't activate
- Lost the sticker: contact PC Financial for help
- Replacement card: PC Financial has a separate FAQ on reactivating replacements
- Additional cardholder: see PC Financial's FAQ on activating for an authorized cardholder
PC Financial Mastercard / PC Money Account Card activation FAQs
How do I activate my PC Financial Mastercard / PC Money Account Card?
You can activate it in the PC Financial app, online at pcfinancial.ca. Online or in-app activation is usually fastest: sign in, choose the new card, and confirm the details requested.
Is there a phone number to activate a President's Choice Bank card?
Use the activation number printed on the sticker on the front of your new card, or the number on the back of the card. Only call numbers shown on the card itself or on pcfinancial.ca — scammers publish look-alike numbers.
Can I use my President's Choice Bank card before activating it?
Generally no. A new card is blocked until it is activated, although some issuers activate a replacement automatically the first time you use it with your PIN, and some let you use a virtual card number in the app straight away.
Does activating a PC Financial Mastercard / PC Money Account Card affect my credit score?
No. Activation is not a credit check. Any hard inquiry happened when you applied; activating simply switches the card on. Not activating a new account does not close it, so it can still appear on your credit report.
Why won't my President's Choice Bank card activate?
Lost the sticker: contact PC Financial for help Replacement card: PC Financial has a separate FAQ on reactivating replacements
Is it safe to activate my card online?
Yes, provided you are on the issuer's real website (pcfinancial.ca) or official app. Type the address yourself rather than following links in texts or emails. Your bank will never ask for your full PIN or a one-time passcode by phone or text.
Sources: www.pcfinancial.ca · www.pcfinancial.ca. Steps change; if your screen looks different, follow the official instructions.