Stack is a Canadian prepaid Mastercard and spending account that gained popularity for its zero foreign transaction fees — a feature that saves travellers and online shoppers the typical 2.5% surcharge most Canadian banks charge. Stack is a solid option for travel spending and international online shopping.
Stack's most distinctive feature is zero foreign transaction fees. Most Canadian bank cards charge 2.5–3% on every purchase made in a foreign currency — including online purchases from US retailers. Stack eliminates this entirely, saving frequent travellers and online shoppers a meaningful amount each year.
Stack has no monthly fee and no minimum balance requirement. It's free to open and maintain.
Like KOHO, Stack requires no credit check to open. It's accessible to all Canadians regardless of credit history.
Stack supports Interac e-Transfers for loading your account and sending money.
Stack offers cash back through a rotating set of partner merchant offers. These are merchant-specific and vary over time.
Both are Canadian prepaid cards with no monthly fees and no credit check. KOHO is the stronger all-around banking replacement: it offers consistent cash back on categories (not just partners), a proper savings account earning competitive interest, CDIC-insured deposits through Peoples Bank, budgeting tools, and a credit building feature. Stack's advantage is specifically the zero foreign transaction fee.
If you travel internationally or frequently shop from US/international retailers, Stack is worth having for those purchases. For everyday Canadian banking, KOHO is the better primary account. Many Canadians carry both at no cost.
KOHO offers free banking with no monthly fees, no minimum balance, and no credit check. Available to all Canadians. Use code 45ET55JSYA for a bonus when you sign up — it takes just minutes to open online.
Open KOHO Free — Use Code 45ET55JSYAStack is a useful card for Canadians who travel frequently or shop internationally, specifically for the zero foreign transaction fee. As a primary everyday banking account, KOHO is the stronger choice with more features, better savings tools, and CDIC-insured deposits. Consider having both — they're both free and serve complementary purposes.