GeniusCash Offers are exclusive offers that pay you real cash when you apply and are approved for a financial product or service through creditcardGenius, moneyGenius, or the GeniusCash app. Offers vary and are available for limited periods.

Yes! Our GeniusCash Offers are real cash that we transfer straight to your bank account. Offers vary depending on the product or service, but you can earn up to $250 CAD when you apply and are approved through one of our platforms.

To qualify for a GeniusCash Offer, you must 1) claim the offer through the moneyGenius, creditcardGenius, or GeniusCash app link, 2) be approved for the product or service that you applied for, and 3) meet any other criteria as outlined in the terms and conditions for that offer. Unfortunately, applications that don’t originate on one of our platforms are not eligible for GeniusCash.

If you applied for an offer AND were approved, you will receive your GeniusCash by PayPal or e-Transfer as per the preferences on your GeniusID account.

To be eligible for GeniusCash, you must have applied through moneyGenius, creditcardGenius, or the GeniusCash app.

Please allow up to 2 weeks for us to receive your approval confirmation from our GeniusCash partner. If you haven’t received your GeniusCash and it's been 2 weeks since your application date, please create a ticket so that we can look into your case. You can create tickets from the website dashboard or app profile page.

We try to deliver GeniusCash payments within 4 weeks but timelines may vary depending on the specific offer and when we receive confirmation of approval from our partners. If your application was approved and you haven’t received your GeniusCash payment after 2 weeks, please create a ticket so that we can look into your case. You can create tickets from the website dashboard or app profile page.

If you want to check the status of your GeniusCash Offer on the website, log in and navigate to your dashboard. You’ll find the GeniusCash Offers you’ve claimed listed under "Your Offers," along with the current status. In the app, go to your profile > Cash > Offers and tap the pending offer to see the status.

If you were approved for the product or service you applied for and have not received your GeniusCash payment after 2 weeks, please submit a ticket: On the website:

• Log in to your dashboard
• You’ll see a list of all GeniusCash Offers you've clicked on
• Click the GeniusCash Offer you’d like to open a ticket for and the timeline will appear
• Click "Open ticket", which will take you to the page to create your ticket

In the app:

• Tap the header to go the profile page
• Tap the Cash tab
• Tap the Offers tab
• Tap an offer in the list
• Tap the Open Ticket link

The application reference number can be found in the email you received from our partner after applying for the product. Sometimes, it's at the end of the subject line. It may be called the Application Number, Reference Number, Case ID, PCN Number, or Application Reference Number. You may also find it in your messages when you log in to your online banking.

If you're unable to locate this number, please contact the partner directly. For privacy reasons, we are unable to retrieve your application number ourselves.

Once you locate your application reference number, please send it to us via email or update your ticket directly.

You’ll receive your GeniusCash payment via Interac e-Transfer or PayPal. You can select your preference by visiting your profile settings and confirming the email address for your preferred method of payment.

You can reset your GeniusID password from your profile in the app or online. If you’re trying to log in and can’t remember your password, select "Forgot password" and we’ll send you an email that walks you through the password reset process.

Your GeniusID is what you use to log into moneyGenius.ca, creditcardGenius.ca, and the GeniusCash app. No matter which platform you initially used to create your GeniusID account, you’ll use the same credentials to log into all three platforms.

You can find the e-Transfer password to accept your GeniusCash payment in payment preferences section of your moneyGenius, creditcardGenius, or GeniusCash app profile. Make sure you're logged in with the same GeniusID that you used to claim the offer.

If you’re having difficulty depositing your GeniusCash payment using a web browser, please try using your mobile banking app.

If you want to bypass the security password requirement for future e-Transfers, you can enable auto deposit for e-Transfers in your bank account settings.

No. To be eligible for a GeniusCash offer, you must apply through the creditcardGenius, moneyGenius, or GeniusCash app offer link. Once you apply for the GeniusCash offer, you’ll be redirected to the issuer or provider's website to finalize your product or service application.

GeniusCash is a cash back rewards app that sends real cash straight to your bank account. It also helps you unlock Max credit card rewards, equip the best financial products, score big cash Offers, and earn extra bonus cash back on your everyday purchases – all while leveling up your money knowledge.

Trusted by nearly 100,000 Canadians already, the GeniusCash program has paid out $4M+ in real cash to people just like you. This is all backed by over 1,500 positive Trustpilot reviews with an average rating of 4.2 left by happy people who have banked real cash with GeniusCash.

Our mission is to make money easy and fun for all Canadians. In the last 10 years, we’ve helped 7M+ Canadians do just that. The GeniusCash app is the evolution of our core mission – an industry-leading financial tool that helps Canadians make financial choices with confidence and clarity.

Why should you consider downloading the app? GeniusCash…

• Analyzes your everyday spending to make tailored recommendations to max your existing credit card rewards
• Rewards you with bonus extra cash back on your everyday spending
• Gives you access to exclusive deals, promotions, and opportunities to bank real cash
• Provides endless ways to level up your money knowledge and get rewarded for it

Yes, your safety and privacy are our top priorities. To securely connect your credit cards and bank accounts, we use Flinks and Plaid, trusted financial technology providers used by leading financial institutions and financial apps. They use advanced encryption and follow strict industry standards to keep your data safe. We conduct regular penetration testing to identify and address potential vulnerabilities, and we only access the data needed to provide personalized recommendations and insights. Your data is never sold, and we’re committed to being transparent about how it’s used. By combining trusted technology with responsible security practices, we ensure a safe and secure experience for all users.

Yes! When you refer someone new to the GeniusCash app. and they get approved for a GeniusCash offer or connect their bank account for the first time, you’ll receive a bonus level that gives you extra cash back on your spending for a limited time. Your friend will also receive a bonus level to jumpstart their cash back from the get-go!

To refer someone, log into the GeniusCash app and navigate to the Referrals tab. Here, you’ll find your unique referral code, which you can copy to send to your friends and family. Click "More Options" to see your referral link and message that you can quickly copy and paste.

Each product we evaluate is compared to similar products available in the Canadian market. We start by analyzing the product's key features, such as fees, perks, and more, assigning a score out of 5 stars to each attribute. These individual scores are then averaged to generate the final Genius Rating.

Canada does not yet have open banking, which means there’s no standardized system for sharing your financial data. While other regions like the US, Europe and Australia have long since adopted open banking, Canadian fintech companies like ours rely on established data aggregators, such as Flinks and Plaid, to connect to your accounts. These are trusted technology providers that are used by leading financial institutions and financial apps; however, in Canada they must use connection methods that occasionally fail to establish a connection. This can lead to an inconsistent user experience.

We’re optimistic that open banking will eventually arrive in Canada, improving the reliability of these connections. Until then, we’re doing everything we can to expand support and improve the user experience. You can learn more from our blog, Open Banking in Canada: Why We’re Still Waiting, and Why Canadians Deserve Better.