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Load & Go:
ATB’s Prepaid Mastercard® is here!

It’s not credit. It’s not debit. It’s the best of both.

Coming soon

ATB’s alternative to Mastercard debit is here! The Load & Go Mastercard is a special card that you “load” with funds from your chequing or savings account, then “go” and use it anywhere Mastercard is accepted—even online and outside of Canada.

No credit checks. No debt.
Just full control over your spending!

Credit card and dollar sign

Going on a trip?

Use Load & Go as your travel budget buddy because you can only spend what you’ve loaded. Rent cars and book hotel rooms worldwide with ease.

Load & GO

Like to shop?

Set aside your “mad money” on your Load & Go and never worry about a bill at the end of the month. Game-changer!

Kids are eligible

Got kids?

They can get one too, because no credit check is required, they don’t have to be 18. But they can enjoy the freedom and security of a credit card without the fear of overspending.

Safe. Secure. Convenient.

credit card

Chip and pin enabled, personalized embossed card with your name.

shop securely

Shop securely online, in stores or by phone.

withdraw funds

Withdraw funds from ABMs.

manage funds

Easily manage your funds from our app or online banking.



How much can I load on the card?

• No load minimums. • $10,000 daily (24 hour) load amount limit • No maximum card balance

Are there any fees?

There is a low $5.95 annual fee and no usage fee. There is no interest charged. See fee chart for full details.

Can I use it for cash withdrawals?

Yes, Load & Go works at ABMs across the world.

What can I do with the Load & Go Mastercard?

Along with everyday purchases in Canada and online, Load & Go also acts like a traditional Mastercard in some ways. As long as you have funds on the card, you can easily: • You can book a hotel room on it. • You can rent a car with it.

Is it just like other banks’ Mastercard Debit or Visa Debit?

Yes and no. Like similar cards from other banks, Load & Go can be loaded with funds from your chequing account, but it is a separate card…it is not your regular debit card. It’s an actual Mastercard-branded Mastercard with a few big differences: • There is no credit limit. You decide how much of your cash you want to load onto it. • It does nothing to affect your credit rating and no credit checks are required. In fact, everyone is accepted. • It has higher security because it is not linked to your chequing account in any way. No hacker can get back to your account if the Load & Go card is lost or stolen. Nor can they “rack up” charges on it because…it’s not a traditional credit card.
Cardholder Agreement
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license. ​
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