The beautifully simple Canadian prepaid card. No credit check, no surprise fees — just a card that helps you spend smarter and see exactly where your money goes.
Everything you need to spend with confidence, nothing you don't.
Open an account with just your ID — no credit history needed. Built for newcomers, students, and anyone the big banks overlook.
Top up by Interac e-Transfer, bank link, or debit. Send money to anyone in seconds. Hoom+ is planned to include zero transfer fees.
Real-time spending notifications and clear analytics. Know exactly what you spent, where, and when — the moment it happens.
Hoom+ is planned to earn cashback on everyday spending. More back on the things you buy most, like food and transit.
Freeze your card instantly, get fraud alerts, and protect your login with biometric security — specific, layered protections designed to help keep your account safe.
Made for Canadians, with Canadian support and a compliance-first approach built to meet Canadian regulatory requirements.
From download to your first tap in minutes.
Get the Hoom app, enter your details, and verify your identity in minutes. No credit check, no paperwork, no branch visit.
Add money instantly by Interac e-Transfer, bank link, or debit. Your virtual card is ready to use right away.
Tap, shop online, or send to friends — at millions of places worldwide. Watch your spending update in real time.
Whoever you are, Hoom meets you where you are.
New to Canada? Get a real card without a credit history. Start building your financial life from day one.
Get paid, track earnings, and manage irregular income with instant loads and real-time spending insights.
Tired of bank fees and guesswork? See every dollar clearly and keep more of what you earn with cashback.
Your first real card, no co-signer required. Independence, spending control, and rewards built for student life.
No hidden charges, ever. Start free, upgrade when it's worth it.
Everything you need on day one. No deposit required, no conditions.
No FX fees, plus credit-building features we're working to offer — two things newcomers need most, for less than a coffee a week.
Based on competitor plans offering no-FX fees plus credit building, priced $19.75–$24.75/mo (as published, June 2026; subject to change). Hoom+ is planned at $6.99/mo. All prices in CAD.
Pre-launch: Hoom has not yet launched. Features, rates, and fees shown are planned and will be confirmed in the full fee schedule at launch.
✦ Hoom Pro — planned for 2027 · Higher cash back, higher interest, more · $9.99/mo
Hoom is the operating brand of Hoom Financial Inc., a financial technology company — not a bank. Hoom is pre-launch: the card is planned to be issued through a licensed Canadian banking partner, so that the money is held by a regulated, established financial institution rather than by us. The issuing partner will be named here once it is confirmed.
No. Hoom is a prepaid card, so there's no credit check and no debt. You simply load your own money and spend it. All we need is to verify your identity, which keeps your account secure and supports identity-verification requirements under Canadian regulations.
You can load funds instantly by Interac e-Transfer, by linking your bank account, or with a debit card. Funds appear in your Hoom account and are ready to spend right away.
The plan is: in stores and online, anywhere the card network is accepted — with a virtual card available as soon as you're approved, so you can spend online before the physical card arrives. Hoom hasn't launched yet, so the network and the exact acceptance details will be confirmed with our issuing partner before launch.
Hoom is being built with security as a priority. Planned protections include encryption in transit and at rest, biometric login, instant card freeze, and fraud monitoring. Customer funds are intended to be held with a regulated Canadian financial partner; the exact holding and protection details will be confirmed with our banking partner at launch.
We're launching soon across Canada. Join the waitlist to be among the first to get access — and you'll move up the list every time a friend joins using your referral link.
Join the growing waitlist of Canadians looking for a simpler way to manage their money. Early members get priority access at launch.