We're here to keep your money safe.
We want you to manage your money with confidence, so we are actively implementing fast and flexible solutions to adjust to newly identified fraud patterns or behaviours. Check the measures below on how your money is protected.
Top-notch security measures to keep everything protected
Lock your wallet in one tap👆
If you suspect unauthorized transactions, you can immediately lock your card in the app by going to the card tab. Locking your card will disable all transactions within your Today account and you can unlock your cards whenever you like.
Assess potential unauthorized or suspicious activity 🔍
PFraud is a proactive tool that works directly with you to verify your recent transactions. You'll receive SMS alerts to verify purchases that are deemed suspicious. In case any transaction is deemed suspicious, your card will be locked automatically to protect you from any unauthorized activity. After all, we want to be sure that it was really you who purchased that third cup of coffee in the day.
Mastercard Purchase Protection Plan 🔒
Zero liability applies to any purchase made in-store, over the phone, online or via a mobile device and ATM transactions. Have peace of mind knowing you won't be on the hook for unauthorized use.
Two-Factor Authentication (2FA)
2FA is the industry standard for maintaining secure and authorized access to your account. We mandate 2FA for all our users.
Receive login verification codes via SMS or e-mail
Peace of mind knowing your account is safe
Account access is denied even if your password is compromised
If you identify suspicious activity, lock your card immediately. Then, click on the transaction, then click "Report an issue". You'll be prompted to provide a few more details, and the issue will be escalated to our Support team. Our Support team responds within 48 hours generally, and will guide you through next steps. The Support Team will also facilitate getting a new card.
If funds were taken without authorization from a merchant, the best first step is to contact the merchant and ask for a refund. They can process refunds faster than it takes to investigate and dispute transactions. If the merchant isn't able to provide a refund of the funds, we can begin the dispute transaction process.
The Support Team will provide a form that has to be filled out detailing the transaction in question and the amount of funds stolen. Once the team receives that form, they work with our other financial partners to recover the funds. This process may take up to 120 days for you to receive your funds. Generally, we see most cases resolved in up to 3 weeks.
Yes, your funds are insured by the CDIC at DC Bank.
If funds are stolen on your card due to fraud, you are protected and funds will be reclaimed. Mastercard's Zero Liability protection gives you peace of mind in the event that funds are stolen from your card.
What Is Phone phishing or Vishing? Vishing—or voice phishing—is the use of fraudulent phone calls to trick people into giving money or revealing personal information. It's a new name for an old problem—telephone scams. Vishing frequently involves a criminal pretending to represent a trusted company representative. You may be asked to divulge your password or 2-factor authentication (2FA) verification code.
Learn to Catch a VishScammers or "vishers" often offer exaggerated services. They then ask for your personal information to get you access to your wallet. Watch out this on other examples of prominent Vishing scams:
- Offers from companies you do not do business with and/or have not heard of.
- An announcement that you have won a prize in a contest you did not enter.
- Promises of unrealistic returns for your money.
- Threats of consequences—such as fines or penalties—if you don't provide money or information.
- Unprofessional, hostile, or even obscene language.
- Unsolicited calls offering to help you with debt, unpaid taxes, or previous cases of fraud.
- Pressure to make immediate decisions to give the caller what they want, which may include:
- Financial account information
- Personal information
- Organizational information, including names and contact information of coworkers at the university
Protect Yourself from Voice Phishing
If a caller claims to be from TipsToday, Today, XTM or another institution you do business with, such as your bank, and they ask for personal information (account numbers, Social Security numbers, and so on), hang up, find that institution's phone number, and call them. If the call you received was fraud, report it!
Report it by contacting us: email@example.com
Do not pay fees for prizes or rewards offered by phone.
The CRA will never ask you for debit or credit card numbers by phone or demand immediate payments using specific methods, such as prepaid gift cards, debit cards, or wire transfers. Do not send money or give out personal information (such as credit card numbers and expiration dates, bank account numbers, dates of birth, or Social Security numbers) in response to unsolicited phone calls from unfamiliar companies or unknown persons. Don't trust caller ID. Phone numbers and caller identities can be faked. There have been reports of forged phone numbers from government offices, and other businesses and institutions.