Start building your Canadian credit profile from day one — no prior history needed.
Open a PYMO account without a Canadian credit history, use your PYMO Mastercard for everyday spending, and establish a positive repayment record — all from one app.
Not sure what documents you'll need? See the accepted ID list
Open your PYMO account and get the PYMO Mastercard without a Canadian credit history or minimum balance.
Use your card for daily spending and repay on time — responsible repayment behaviour is how a positive record begins.
Eligible members get overdraft protection up to $500, and responsible repayment supports your growing credit profile.