Frequently Asked Questions



Is the Iridium Prepaid MasterCard® a credit card?
No. To spend money, you must pre-load funds onto your card. When you use your Card, the amount of each transaction, including any applicable service fees, will be deducted from your account balance.

Where can I use my Iridium Card?
The Iridium MasterCard® is accepted at over 28.5 million locations worldwide and online. You can also withdraw cash at over 1 million ATM’s worldwide if you register your card or have a personalized Iridium Card. 

How do I check my card balance?
You can check your card balance 24/7 by accessing your online account at www.iridiumcard.ca or by calling 1-866-357-6546. Certain fees may apply to non-registered cards when checking your balance.

Do you perform Credit Checks?
No. Credit checks are not required to become an Iridium MasterCard® cardholder.

Can I still get an Iridium MasterCard® if I have bad credit?
Yes. Everyone qualifies for an Iridium Prepaid MasterCard®.

Will the Iridium MasterCard® help me to build credit?
No. Your Iridium Prepaid MasterCard® does not currently help to build or restore your credit. Your transaction history will not be reported to the credit bureaus.

Can I still get an Iridium MasterCard® if I already have another MasterCard® card?
Yes. Iridium is a completely separate MasterCard® card program.

Is the Iridium MasterCard® anonymous?
The Iridium MasterCard® that you purchase at the store is anonymous. Registered or personalized cards are not anonymous.

Can I get a refund if I return the card to the store?
No. The $3.99 purchase price or $1.99 to $4.95 load fee (depending on the retail location) that you paid for the Iridium Card is non-refundable. You may however request to close your account and receive any remaining funds off the card.

When can I start to use my Iridium card?
You can start using your new card immediately after you purchase it from the store. If you requested a personalized card, you can start using it immediately after activating it.

What information will I need to register my Iridium MasterCard® or request a personalized card?
You will need to provide the following information when you register your card or request a personalized card: full name, home address, phone number, date of birth and confirmation that you have at least one piece of government issued ID such as a driver’s license. You may be asked for additional information if needed for further identification purposes.

Can I have my personalized Iridium MasterCard® mailed to a PO Box?
No. Cards must be shipped to a physical and verifiable Canadian street address.

How long does it take to get my personalized card in the mail?
Your new personalized Iridium MasterCard® will arrive in the mail by Canada Post within approximately within 2-3 weeks. If you do not receive your card within this timeframe please contact our customer support centre at 1-866-357-6546. Note, cards may take longer in remote areas.

How do I activate my personalized Iridium MasterCard®?
Once you receive your new personalized card in the mail you should sign the back then activate it immediately online at www.iridiumcard.ca or call 1-866-357-6546.

What happens to the balance on my existing card once I activate my new personalized card?
Upon activation of your new personalized card, your balance will automatically be transferred to your new card and your old card will be deactivated.

How do I update my personal information?
You can update your personal information, such as your home address and phone number, by calling our customer care centre at 1-866-357-6546 or by accessing your online account at www.iridiumcard.ca.

Where can I get an Iridium MasterCard®?
You can apply online now or visit your nearest Iridium Agent location. Look for the Iridium display at your local convenience store.

Can I have more than one card?
You can only have one registered or personalized Iridium MasterCard® in your name, however you can request up to an additional 9 cards for your friends or family members that can all be linked to your primary card.

Can I sign up for an Iridium MasterCard® if I am not a Canadian citizen?
Yes. But you must have a Canadian physical mailing address in order to sign up. A non-Canadian citizen may be required to provide certain government issued identification.

Can I use my Iridium Card to make online purchases?
Yes, you can use your card to make purchases from online stores including dating and travel booking sites. At checkout be sure to use the same address that you registered your Iridium card with. If you did not register your card, you may need to do so prior to being able to make online purchases as some online merchants require you to enter an address.

What fees apply to the Iridium MasterCard®?
In addition to the initial card fee and load fee, certain fees apply.  Click here to review the schedule of applicable fees. All fees are subject to change.

What load or spending limits apply to the Iridium MasterCard®?
Certain load and spending limits apply depending if your Iridium card is non-registered or a registered / personalized card.  Click here to review the schedule of applicable limits. All limits are subject to change.

How do I reload my Iridium MasterCard®?

Iridium Agent Locations:
Your registered or personalized Iridium MasterCard® can be reloaded at any authorized Iridium Agent location across Canada. The store cashier will swipe your card on the terminal and enter your desired load amount. You will pay the cashier a $1.99 to $4.95 load fee (depending on the retail location) in addition to the desired load amount. Funds will become available instantly on your card. Please remember to keep your transaction receipt.

Instantly via Interac online payment:
Reload your card now using Interac Online. Funds will be instantly transferred from your bank account using your Interac debit card. The reload fee is waived for this method.

Financial Institutions:
Your registered or personalized Iridium MasterCard® can be reloaded at any bank or financial institution across Canada. Simply print out a reload form from your online account at www.iridiumcard.ca and present it to the bank teller. Your funds will become available within 24-48 hours. A $1.99 to $4.95 load fee (depending on the retail location) will be deducted from your card balance. Please note that the financial institution may also charge a service fee.

Card-to-Card Money Shares:
Any Iridium MasterCard® cardholder can transfer money to your registered or personalized Iridium MasterCard®. Funds can be received via email or via your online account at www.iridiumcard.ca. Funds will become available instantly once received. A $1.99 transfer reload fee will be deducted from your card balance.

Can I reload my Iridium Card if it is not registered?
No. You currently cannot reload your Iridium Card unless you have successfully registered the card. Only registered or personalized cards are reloadable.


Is there a minimum or maximum load amount that applies to the Iridium MasterCard®?
There is a minimum load of $10 and a maximum load of $2,500. The maximum balance on the Iridium MasterCard® cannot exceed $5,000 at any time.

Can I add funds to my Iridium MasterCard® at an ATM?
No. You can only add funds to your Card at an Iridium Agent location, a financial institution, card-to-card money shares.

Can someone else load funds onto my Iridium MasterCard®?
You can receive money shares directly to your card from another Iridium MasterCard® cardholder.

What if I spend more money than I have on my card?
If your purchase is greater than your Card’s available balance the transaction will be declined. Sometimes a merchant will make a mistake and still put though a transaction that could cause your card to go into a negative balance. If this occurs you will be charged a negative balance fee of $10.00 and you will be responsible for both the fee and the value of the negative balance.

Can I get a loan from the Iridium Prepaid MasterCard®?
No. Iridium MasterCard® does not offer loans at this time.

Can I use my Iridium MasterCard® to withdraw cash from ATMs?
Registered Iridium MasterCard® cards can obtain cash from any ATM that has the MasterCard®, Maestro®, Cirrus® or STAR® logo. A fee of $1.49 applies to each ATM transaction, in addition to any fees the ATM owner may charge. Non-registered cards do not offer ATM cash access.

How much cash can I withdraw from the ATM each day?
You can withdraw cash from an ATM as many times a day as you would like, however, you may not withdraw more than $1,000 total per day. Remember, there is a $1.49 fee for each ATM withdrawal, plus any fees that the ATM operator may charge. Only registered or personalized Iridium MasterCards® allow ATM cash access.

How do I select a PIN for my Card?
You will be required to select your PIN when you register or activate your Iridium Prepaid MasterCard® online or by phone. You should not write or keep your PIN with your Card. If you change your PIN, you will be charged a $0.99 fee which will be deducted from your card balance. To change your PIN login to your online account at www.iridiumcard.ca.

What if I need to return merchandise that I purchased using my Iridium MasterCard®?
The merchant will handle the return in accordance with MasterCard® guidelines. Store return policies may vary. The merchant may credit your Card, provide a cash refund, or issue a store credit. If the merchant reverses or cancels the transaction on your card, it may take up to 10 days for those funds to become available on your card.

What is a pre-authorization?
A pre-authorizations means that a temporary hold is placed on a portion of your funds over and above the actual purchase amount until the merchant settles the transaction - usually within 3 days. During this time these funds will not be available to you to make additional purchases or ATM cash withdraws. As an example pay-at-the-pump gas stations will pre-authorize $75 and restaurants will pre-authorize 20% over the bill amount. Other merchants such as hotels and car rental companies may have higher pre-authorization amounts or other requirements. We recommend that you contact the merchant in advance to ensure that you will have sufficient funds to cover the purchase and any pre-authorization amount.

Can I use my Iridium MasterCard® to pay-at-the-pump for gas?
Yes, but a pay-at-the-pump transaction involves a pre-authorization of $75. If you do not have $75 available on your Card, the transaction will be declined. By paying for your gasoline inside, only the actual purchase amount will be withdrawn from your Card balance.

Can I use my Iridium MasterCard® to rent a car?
Yes, however keep in mind that car rental companies will process a pre-authorization for much more than the actual cost of the rental until which time you return the vehicle and settle for extra charges such as fuel, damage, road tolls, extra days, etc. These preauthorized funds may not become available on your card for up to 60 days. To avoid any issues, we advise you to first contact the rental car company and ask them what their policy is regarding the use of prepaid cards.

Can I use my Iridium MasterCard® to book a hotel?
Yes, however keep in mind that hotels will process a pre-authorization for more than the actual cost of the room until you checkout and settle for extra charges such as room service, telephone charges, damage, etc. These preauthorized funds may not become available on your card for up to 10 days. To avoid any issues, we advise you to first contact the hotel and ask them what their policy is regarding the use of prepaid cards.

Can I use my Iridium MasterCard® at a restaurant?
Yes, however keep in mind that restaurants process a pre-authorization for approximately 20% more than the actual bill in anticipation of a tip that may be added. These preauthorized funds may not become available on your card for up to 4 days. To avoid any issues we advise that prior to dining, you make sure your balance is sufficient enough to cover the bill plus a pre-authorization amount.

Why was my card declined?
Your card may have been declined because the purchase amount was greater than the available balance on your card. Some retailers will allow you to do a split transaction where they allow you to use two separate payment methods. Merchants are unable to obtain the balance on your card so it’s important to always know your balance before making a purchase.

Can I use my Iridium MasterCard® for preauthorized payments or bill payments?
Yes. Just check with the company that is accepting the payment to see if they accept MasterCard® cards and follow their payment instructions. Preauthorized or recurring payments are charged automatically to your card. It is important to remember to have sufficient funds on your card to cover these transactions as the company may suspend or cancel your service if the transaction gets declined.

What if my Iridium Prepaid MasterCard® is lost or stolen?
You must contact us immediately if your card has been lost or stolen. You can call our 24x7 customer support centre at 1-866-357-6546 or visit www.iridiumcard.ca and click “contact us”. You will need to provide us with your card number and other information. A replacement card can be provided at a cost of $9.99 and the remaining balance from your lost or stolen card will be transferred to your new card. Your funds are protected if your card is ever lost or stolen with MasterCard®’s Zero Liability Protection.  Click here to review the Iridium Cardholder Agreement for details on MasterCard®’s Zero Liability Protection.

How can I remove funds from my Iridium MasterCard® to close the account?
There are three ways to do this: 1. Use your Card at any participating merchant to purchase goods and services. 2. For registered cards, you can simply withdraw the funds at an ATM machine. Any ATM transaction fees and surcharges will still apply. 3. For a $10.00 service fee, you can remove funds by calling customer service at 1-866-357-6546. Please allow up to 30 days from the time of your request to receive a check in the mail.

When will my Iridium MasterCard® expire?
Your card will expire within approximately 24 months from the date you activate or purchase it. The valid thru date is printed on the front of your card. If there has been recent activity on your registered or personalized card prior to the expiry date, you will automatically receive a free replacement card in the mail with a new two-year expiry date. Any remaining balance on your old card will be transferred to your new card upon activation.

What is the difference between current and available balance?
The current balance does not include pre-authorizations. The available balance reflects the amount of funds you have available at the time you check your balance.

Will I receive a monthly statement?
No. You can however view your transaction history 24/7 by login into your online account at www.iridiumcard.ca.

What if I forget my login or password to access my online account?
Your login is the 13-digit number that is located on the back of your Iridium MasterCard®. If you forget your password, simply click on the “forgot my password” link and enter the same email address used when registering your card. Your new password will be emailed to you immediately.

What if I don’t recognize a transaction on my card?
If you do not recognize a transaction when reviewing your account online, try to match up the transaction amount with your receipts. Sometimes merchant names will show up different than the actual name of the store. If you still believe that the transaction is incorrect you may choose to file a dispute.

How do I dispute a charge on my Iridium MasterCard®?
To dispute a transaction please send a letter via mail. We are unable to accept telephone calls for transaction disputes. All disputes will be responded to within 15 days of receipt of your email or letter. Please be sure to describe the transaction in detail and why you believe it is incorrect. You will need to include your full name, card number, address and phone number along with copies of any relevant correspondence such as a transaction receipt. Our mailing address is PO box 565, Chatham, Ontario N7M 5K6.

How do I make a long distance phone call using my Iridium MasterCard®?
Simply dial the long distance access number that appears on the back of your card. You will be connected to our automated system where you will be asked to enter the 13 digit PIN number that appears on the back of your card. The cost of your long distance usage will automatically be deducted from your card balance. For a list of rates please click here.

Is my personal information kept private?
Yes. Your privacy is important to us. Please refer to the Iridium Card Privacy Policy including in your Cardholder Agreement.