Frequently asked questions
How it works
What is Dayforce Wallet?
Dayforce Wallet supports employee financial wellness by allowing employers the ability to offer their employees easy access to their pay using a mobile app and their Dayforce Prepaid Mastercard®. The Dayforce Card can be used to make purchases, pay bills, and withdraw cash, all without needing a traditional bank account.
One of the biggest benefits of using Dayforce Wallet is the ability to access pay on-demand, as soon as it’s earned and at no cost.* Employees may also choose to have all or some of their pay added to their Dayforce Card each pay period using direct deposit.
Signing up for the Dayforce Card does not impact credit scores, as it is not a credit card, and there is no credit check. Since it’s a prepaid card, only the available balance can be used.
What is the Dayforce Wallet app?
Dayforce Wallet includes a free, easy to use, mobile app to help you access your pay on demand and manage your card.† Available for Apple and Android devices, the app offers you the ability to view your card balance, available pay, and transaction history, as well as a way to locate in-network ATMs and transfer money to other accounts.
On-demand pay requests are made using the Dayforce Wallet mobile app. When an employee makes an on-demand pay request, funds are added to their Dayforce Wallet account and are accessible using their Dayforce Card.
Who can use Dayforce Wallet?
Dayforce Wallet is available to companies that use Ceridian’s flagship platform, Dayforce, for HCM/payroll in Canada and the United States. Not all Dayforce customers have signed up for Dayforce Wallet, so ask your employer if you’re not sure. You must be 18 years or older to register for Dayforce Wallet.
Adding pay to your card
How is pay added to my Dayforce Card?
You can add your pay to your Dayforce Card in one of two ways:
1. Many employers offer their employees on-demand pay, which means you can add your available pay to your card at any time, without having to wait until your standard payday. Not all companies using Dayforce Wallet offer on-demand pay, so ask your employer if you’re not sure. More information about on-demand pay can be found below.
2. You can also have your pay automatically deposited to your Dayforce Card each pay period by setting your card account up for direct deposit. You can have some or all of your paycheque added to your Dayforce Card even if you also use the on-demand pay feature. Click here to learn more about setting up direct deposit to your Dayforce Card.
How is available pay calculated?
Are there any limits to adding pay to my card?
Yes, the maximum amount that can be loaded to the Dayforce Card is $20,000 per transaction. Your employer may impose additional limits.
How do I make an on-demand pay request?
How quickly can I access funds on my Dayforce Card?
Once funds are loaded to your card, you can begin using them (subject to limits; please see the Cardholder Agreement and Fee Schedule.
Are taxes and other source deductions withheld from my on-demand pay in Dayforce Wallet?
Can I receive a detailed earning statement each time I make an on-demand pay request in Dayforce Wallet?
What happens to my normal paycheque when I have made an on-demand pay request?
Using your card
How can I use my Dayforce Card?
Where can I find my Dayforce Card information in the app?
Can I use my card to pay a bill or recurring monthly bills?
Can I add my Dayforce Card to mobile wallet applications?
If my balance is not enough for a purchase, am I able to use the balance toward a portion of the purchase?
Card management and fees
What does it cost? Are there any fees?
There are no balance minimums, monthly fees, or fees to add your available pay to your card.‡ Consult the Cardholder Agreement and Fee Schedule for a complete list of fees that do apply
Does the Dayforce Card have any restrictions or limits?
- Maximum card balance – $50,000
- Maximum load per transaction – $20,000
- Maximum daily spend at point-of sale – $10,000
- Maximum daily ATM withdrawal – $510
Is there a credit check performed when I register for Dayforce Wallet and the Dayforce Prepaid Mastercard?
How do I dispute a transaction on my account?
If you see a transaction you don’t believe you made, please contact Customer Service immediately at 1-888-999-6824.
Are there rewards for using the Card, such as points, gifts, or dollar redemptions?
No, not at this time.
Where can I find the terms and conditions, cardholder agreement, and other important documentation about Dayforce Wallet and the Dayforce Card?
Transaction and spending history
Can I view my transactions and statements?
Transactions can be viewed in the Dayforce Wallet app, categorized by on-demand payments, spending, withdrawals, and transfers. One year of history is available in the app. Call Customer Service to request 24 months of written transaction history.
How do I check my card balance?
View your card balance in the Dayforce Wallet app or by calling Customer Service toll-free at 1-888-999-6824.
I have a negative card balance. Why, and how can I correct it?
It is possible to have a negative balance on your card when you’ve used your card at establishments like restaurants, hotels, or other venues where you may add a tip onto a printed receipt. A negative balance means the tip added after the card authorization exceeded the card balance.
Please ensure you have sufficient funds on the card that include the purchase and tip value before you authorize the charge. If you don’t do this, there is a possibility of a negative balance.
Can employees transfer funds from Dayforce Wallet to another bank account? Are there any fees?
Yes, employees can transfer funds to an external bank account using the Dayforce Wallet mobile app. However, one of the benefits of Dayforce Wallet is that it is designed to help employees manage their pay and expenses all in one place. There are no fees to transfer funds to another account.
How do I transfer money to another bank account? Are there any fees?
To transfer money to another bank account using the Dayforce Wallet app, you must first follow the steps to validate the external bank account information. Once this is complete, follow the steps in the app to make a transfer to that bank account. The funds are sent to the bank and typically received in one to three business days, and there are no fees to transfer funds to another account, although limits do apply.
ATMs and access to cash
Can I withdraw cash at ATMs, and is there a fee?
How do I find an in-network ATM to withdraw cash?
Is there a default PIN? Can I change it?
Are there limits related to ATM withdrawals?
Yes, you are limited to withdrawing $510 per day. The ATM operator or network may also impose other limitations.
Lost or stolen cards and devices
What if my Dayforce Card is lost or stolen?
Please notify us immediately of the loss, theft, or unauthorized use of your Dayforce Card. Call Customer Service at 1-888-999-6824, Monday – Saturday, 8 am EST – 6 pm EST.
Is there a charge for replacing my Dayforce Card?
There is a $10 Card Replacement Fee if you request a replacement card prior to the expiration date of your card.
I lost my phone. Can someone else request an on-demand payout for me?
You must be logged in to the Dayforce Wallet app to request your earned pay. You should never share your login credentials with anyone. To ensure no unauthorized users can gain access to your app, we recommend you double-check your device’s security settings.
Traveling with your card
Can I use the card for purchases and ATM money withdrawals outside of Canada? What are the associated fees?
The Dayforce Card may be used outside of Canada for purchases and ATM withdrawals. International Transaction Fees, International ATM Withdrawal Fees, and International ATM Decline Fees apply. See the Cardholder Agreement and Fee Schedule for complete details.
How are funds secured?
Access to your Dayforce Card is protected by a unique Personal Identification Number ("PIN") as well as security measures designed to protect you from unauthorized use of your card.
Is there fraud protection on the Dayforce Card?
You will have no liability for transactions that were not authorized by you if you exercise reasonable care in safeguarding your card and Dayforce Wallet log-in credentials from risk of loss or theft and, so long as that upon becoming aware of any loss or theft, you promptly report such loss or theft by calling Customer Service. See your Cardholder Agreement and Fee Schedule for complete details.
How is my personal information protected?
Are funds loaded onto the Dayforce Card CDIC eligible?
Who is CDIC?
How do I calculate my CDIC coverage?
- If your CDIC eligible card is in your name only:
- Select “In Your Name” as the insured category.
- Select “Peoples Trust Company” as the institution you bank with.
- Select “Chequing Account” as the type of deposit you have.
- Add the value of your balance on your card as deposit value in Canadian Dollars and select “Confirm Deposit”.
- If you have any other eligible deposits at Peoples Trust, such as another CDIC eligible card issued by Peoples Trust or you have RRSP, TSFA or other eligible deposits accounts, you should add these insured deposits when using the calculator to determine your complete coverage at Peoples Trust.
- The CDIC coverage calculator gives you the option to calculate CDIC eligible deposits for one or multiple CDIC member institutions insurance coverage.
Register and get your card
How do I register for Dayforce Wallet?
You can register for Dayforce Wallet within the Dayforce Wallet mobile app or in Dayforce by following the registration steps. Registration requires a valid email address, phone number, and a Dayforce account.
We will also ask for additional information as required by Canadian law, including your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
How do I get my Dayforce Card?
How do I activate my card?
How long does it take to receive the Dayforce Card?
You’ll typically receive your card in 7-10 business days. If you haven’t received your card within 25 days, contact Customer Service at 1-888-999-6824, and they will be happy to assist you.
I haven’t received my card yet, where is it?
Please contact Customer Service at 1-888-999-6824, and they will be able to further assist you.
Can I get additional cards for my family members?
No, not at this time.
How do I reset my password?
If you forgot your password, there are two ways you can create a new one. Follow the steps below in the Dayforce Wallet app:
- Tap on the Forgot? button
- Enter your account email address and tap Next to continue
- If you are asked to choose how to receive a code*:
- Select “Email Me”, “Text Me”, or Call Me”
- Enter the One Time Passcode sent to the selection you made
- Create your new password
- If you are asked to enter the code that was sent to your email**:
- Enter the code you received
- You’ll be asked to answer security questions to verify your identity
- Once verified, create your new password
*To use this feature, your device needs to meet the following requirements
- Your device needs to be registered with Dayforce Wallet. This can be accomplished by logging in to your account on this device.
- You need to have a passcode or biometric login enabled (Face ID/Touch ID on iOS or fingerprint/face recognition on Android).
**If the email you enter is not associated with a Dayforce Wallet app account, you will not receive a code.
How do I enable two-step verification?
To enable two-step verification, go to the Account screen in the Dayforce Wallet app. Under the Security section, tap Two-Step Verification and toggle the Protect my account option to turn it on. The button will turn light pink/purple.
Doing so prompts periodic two-step verification to verify your identity and login credentials, including when using a new or unrecognized device. You can also choose to have two-step verification occur every time you log in.
How do I close my Dayforce Card account?
You can close your Dayforce Card account by calling 1-888-999-6824. Removing the mobile app does not close your account.
I’ve changed my name/address/phone number or other relevant information. How is this updated in Dayforce Wallet and on my card?
To change your phone number: navigate to the Account screen. In the Personal Information section, tap the mobile number. Click on Change Number. Enter your NEW mobile number and tap Next. A code will be texted to the number created. Enter the code and tap Done.
To change your user ID/name and address, or other relevant information: please contact Customer Service at 1-888-999-6824 to make applicable updates. You may be asked to provide additional information to protect your account.
What happens if I leave or I lose my job?
What are the system requirements for the Dayforce Wallet app?
At this time, mobile phones are supported for both Apple (iOS version 13 and higher) and Android (version 6.0 and higher). Tablets will be fully supported in the future; currently, they can be used, but optimal functionality is not guaranteed.
I need more help. How do I reach Dayforce Wallet support?
For Dayforce Wallet customers in Canada
Hours for support:
Dayforce Card support: Monday - Saturday, 8 AM - 6 PM EST
Dayforce Wallet account or mobile app support: Monday - Friday, 8 AM - 10 PM EST
Got more questions?
Get in touch. 1-888-999-6824
Download the Dayforce Wallet app now†