Ugo holding a gift card

The wallet for your phone.

Simplify your life.


Lighten your wallet.

Start moving your wallet to your phone. Store your loyalty, membership, and gift cards on your smartphone. If you have a compatible phone, add participating credit cards, too. Then drag and drop to organize them your way. You can even load money and send to friends and family with UGO Pay. Plus, capture and organize your receipts so you can access them whenever you need them!

Travel loyalty card, Drugstore loyalty card, Retail loyalty card

Loyalty Cards

Don't miss out on reward points. Scan the barcode of your loyalty cards, or key in the number manually to add them to your phone. Then, just pull up the barcode at Canadian retailers and have the cashier scan it to rack up your points.

Ugo holding a gift card

Gift Cards

Have gift cards with you when you need them. Add gift cards to your phone by scanning the barcode or keying in the number manually. Then, pull up a gift card in store to use it. There’s even a space to add your balance.

Membership card

Membership Cards

Keep membership cards handy – store them in your UGO Wallet! Add membership cards to your phone by scanning the barcode or keying in the number manually. Plus, add each card’s expiration date so you can remember to renew your membership cards on time.

Ugo holding a receipt


Make sure your receipts are always easy to find. Snap pictures of your receipts to store them in your UGO Wallet. Categorize receipts and add your own notes. When you need them, find receipts quickly by searching by merchant, date, or amount. How’s that for convenience?

Tap your phone on the terminal to pay with UGO Wallet

Credit Cards

Want to pay with just a tap of your phone? Add your payment cards to your UGO Wallet! You can add your eligible tokenized TD Credit Cards on Android phones (4.4+). Tokenization ensures that your card number is never stored on your smartphone or transferred with payment. It helps to keep your information secure – and allows these cards to be compatible on all wireless carriers.

You can add participating PC Financial MasterCard credit cards on compatible Android phones with certain wireless carriers.

Once added, just tap your phone wherever Visa payWave* or MasterCard PayPassTM is accepted. Check out our compatibility tool to find out all the cards, phones and wireless carriers that are compatible with UGO Wallet.

Send a money transfer using UGO Pay


Send money to friends and family quickly and securely via text with UGO Pay. Load money to your UGO Pay account from your Visa or MasterCard credit cards or Visa Debit card. You can also view your transaction history.


Protecting your sensitive data is very important to us. With UGO Wallet, you always have the option to use passwords, passcodes or Touch ID, depending on your device, to protect your personal information.

When you add your loyalty, gift, membership and payment cards, or use UGO Pay, you are backed by bank-grade encryption. Plus, making a payment using a participating credit card in your UGO Wallet is as secure as paying with your plastic credit card.

See security features

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