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MyKarma is your go-to ally in the quest for financial well-being. We've waved goodbye to fees and interest, welcoming a world of thoughtful spending.
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Enjoy flexible access to your salary any time you need it — up to $250 every two weeks — for in-app spending with our leading retail partners.
As you make purchases, MyKarma quietly stacks cashback rewards for you to enjoy or share with our partner charities. From everyday essentials to spontaneous weekend getaways, MyKarma transforms your spending moments into a fun and mindful adventure.
Join us – where there's no hierarchy to financial empowerment and where karma always pays!
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Enjoy flexible access to your salary any time you need it — up to $250 every two weeks — for in-app spending with our leading retail partners.
As you make purchases, MyKarma quietly stacks cashback rewards for you to enjoy or share with our partner charities. From everyday essentials to spontaneous weekend getaways, MyKarma transforms your spending moments into a fun and mindful adventure.
Join us – where there's no hierarchy to financial empowerment and where karma always pays!
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Absolutely! You can explore MyKarma’s marketplace without signing up or sharing any personal details. Feel free to browse and check out all the exciting deals we offer. When you're ready to grab those amazing gift cards, you’ll need to sign up—it’s quick, easy, and totally worth it!
You can download MyKarma from the Apple store and Google Play.
Setting up your MyKarma account is fast and easy! You can download and set up your account in less than 5 minutes!
MyKarma is available to all Canadians with a mobile phone.
Yes, MyKarma is completely free to use. Just download the app and start earning money!
Each retailer on MyKarma has its own return policy. To make sure you’re covered, please check the retailer’s terms and conditions before starting a return.
Regular cashback deals don’t expire, so you can enjoy them anytime. However, keep an eye out for limited-time deals and promotions—they do have expiration dates! Check in regularly to catch those special offers before they’re gone!
Sure! In the wallet section, select the card you want to use. Then swipe up on the screen to display the original gift card as a PDF image that you can show to the cashier.
Simply download the app on your new phone and sign in using the same phone number. Your account will be ready to go!
No worries—MyKarma uses your phone’s biometrics for secure access. Just use your fingerprint or facial recognition to log back in.
Yes, some retailers have purchase limits based on their policies. If your purchase exceeds these limits, it may not be approved. You will receive an alert if this happens.
All the cards you purchase will be securely stored in your MyKarma app. Cards with remaining balances will stay in your wallet until you decide to archive them.
All gift cards purchased through MyKarma are eGift cards, authentic and directly sourced from the brands. If you encounter a cashier unfamiliar with eGift cards, simply show them the gift card number from the MyKarma app. This should resolve any issues and complete your transaction smoothly.
When you make a purchase in-store or online, your gift card balance won’t update automatically. But don’t worry! Our app includes tools like transaction history to help you track your spending. Additionally, many gift cards offer balance checks on the retailer’s website.
Once your gift card purchase is processed, your new card will appear in your MyKarma wallet in a flash—usually within a minute!
No, each gift card is a one-time purchase. But don't worry—if your balance is low or you need more for a bigger purchase, you can easily add a new card with flexible amounts to your wallet at any time.
MyKarma features over 75 of Canada’s most popular retailers, and we’re always adding more to the mix. Explore our marketplace in the MyKarma app for the full list, and stay tuned for new arrivals!
Head over to the MyKarma shop section in the app for a complete list of our top retailers. If you're searching for a specific store, simply use the search bar at the top of the shop page. You can also explore categorized and trending sections to discover new retailers and great deals!
Once your purchase is processed, your new gift card will appear in the wallet section of the MyKarma app. Just tap the wallet button at the bottom of the main screen to view all your cards. Happy shopping!
All gift card purchases are non-refundable.
Not at the moment. Gift cards are exclusively available through the MyKarma app. Just open the app to access those great deals!
Nope! Your gift cards are safely tucked away in the MyKarma app on your phone. That means you can make purchases even if you’re off the grid. Happy shopping, anywhere, anytime!
No, MyKarma is not a bank and does not allow day-to-day banking transactions.
Currently, MyKarma is only available as an iOS and Android mobile app.
If your device is stolen, please contact us immediately. While your gift card barcodes are protected by your phone’s biometrics, letting us know right away allows us to help secure your account and ensure your information remains safe.
Your cards are securely stored on your device, protected by your phone’s security features and MyKarma's own safeguards. We use advanced encryption and security protocols to keep your information safe.
At MyKarma, we prioritize the security of your personal information. All your details are securely stored in Canada with a major cloud provider, ensuring your data is well-protected.
MyKarma respects your privacy. We do not record or share your data.
At MyKarma, we prioritize the security of your information. To safeguard your MyKarma account and gift cards, we utilize industry-leading iOS/Android security features. These measures include effective session management and biometric access controls. Also, all users must create password-protected accounts. Rest assured, we are dedicated to protecting your account.
You can quickly check your current cash back and total lifetime cash back at the top of the home screen in the MyKarma app.
At MyKarma, we want you to see immediate earnings! Anytime you purchase a digital gift card from one of our partners, your associated cashback amount will be deposited into your MyKarma account instantly.
Once you have downloaded the MyKarma app, you will start earning cashback on all your e-gift card purchases. All you will need is a Canadian bank account with access to online banking.
Your money should appear in your MyKarma account within a few minutes of submitting your e-transfer.
Adding funds to your MyKarma account is quick and easy. To open your account, simply provide your phone number and postal code, and we'll guide you through the rest. Once you're ready to transfer funds, provide us with your email and address. We'll create a secure bank account with our partner bank for you and provide you with a unique and safe MyKarma email address. With this address, you can send an interac e-transfer directly to your MyKarma account, quickly and easily!
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© 2024 Karma Technologies Canada, Inc. All rights reserved. All third-party company names, logos, and brands are property of their respective owners and are used on this website for identification purposes only. By using this website, you are accepting our Website Terms of Use, available here. To find out more about MyKarma’s privacy practices or to submit a complaint about your use of our Platform, see our Privacy Policy here and our Customer Complaints Policy here.
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