Chexy Referral Code? Get $20 With a Referral Link for Rent, Taxes & Bills

Chexy referrals work by link, not by code: at account creation, there is no field to enter a referral code. The 2026 program provides $20 for the referrer and referred friend when the friend has completed an eligible first payment in the mobile app. Note: Chexy does have a "promo code" concept, but it applies at a different step — when completing a payment, for existing customers — not at account creation.

Yes, indirectly, via Chexy. Most Quebec municipalities don't accept credit cards directly, but Chexy charges your card (Visa, Mastercard or Amex) with a 1.75% fee, then sends the payment to your city by Interac transfer or Bill Pay. Your city receives a normal payment. Check that your municipality is in the Chexy payee directory before scheduling.

Hydro doesn't accept credit cards directly. Chexy works around this limit: you pay your Hydro bill by card via Chexy (1.75% fee), and Hydro receives the payment as a standard bill payment. It's useful for earning card points on an expense that normally earns nothing.

The base fee is 1.75% per transaction for Canadian credit cards (Visa, Mastercard and Amex). Debit payment is free. International cards are charged 2.5%. Fees drop based on your referral tier: 1.5% (Pink, 3 referrals), 1.0% (Gold, 5 referrals), 0.5% (Elite, 10 referrals), up to a maximum of $50,000 in payments per calendar year. Note: on a business account, the rate is 1.99% (taxes, rent, utilities).

Chexy is worth it as soon as your credit card earns more than the 1.75% fee in points or rewards value on the payment category involved, provided you pay 100% of the balance every month. On a card that actually earns 2% or 3% on the category, you can still come out ahead. Conversely, Chexy says the Scotia Momentum Visa Infinite+ will drop to 1% on October 22, 2026 for rent, household expenses, condo/strata fees, property tax and income tax: at a 1.75% fee, the net return becomes negative for those payments. Compare each card's category, cap and annual fee rather than generalizing this change to Chexy. It's even more advantageous for hitting a welcome bonus spending threshold: paying $6,500 of taxes and Hydro costs about $114 in fees but can unlock a bonus worth several hundred dollars.

The more people you refer, the higher your tier and the lower your fees: Starter (1+ referral) gives $20 credit; Pink (3+) gives $20 credit and reduces the fee to 1.5%; Gold (5+) gives $20 credit and reduces the fee to 1.0%; Elite (10+) gives $20 credit and reduces the fee to 0.5%. The 2026 program keeps the $20 credit and adds the reduced fee at the higher tiers. New for 2026: if your crew (the people you refer) completes enough payments during the year — 15 for Pink, 50 for Gold, 250 for Elite — your existing tier is extended until December 31, 2027. Only your referrals' payments count (not your own), and the extension prolongs your current tier without bumping you up.

Yes. Chexy works fully in Quebec and lets you pay rent, property and school taxes, income taxes (CRA and Revenu Québec), tuition (UdeM, UQAM, UQAC, UQO, TÉLUQ) and bills like Hydro. The interface and service are available in French.

Chexy codes its payments as regular purchase transactions, not as a cash advance — which is why they earn points and generally count toward a welcome bonus. Some issuers are stricter: before sending a large amount, make a $50 to $100 test payment and check your statement to confirm the transaction appears as a purchase and counts toward your bonus threshold.

Chexy is a Canadian fintech acting as a payment intermediary. The payee (landlord, city, Hydro, Revenu Québec) receives an Interac transfer or standard bill payment, without having to sign up for Chexy. Your payments are processed as regular purchase transactions on your card. As with any financial service, pay your balance in full to avoid interest that would cancel the advantage.

Sign up as a new user through the referral link (there is no code to enter at sign-up), then complete an eligible first payment in the mobile app. Once the qualifying payment is processed, the $20 credit is applied under the current terms.

Yes. When you pay rent or a bill, Chexy sends the money to the payee by Interac transfer, pre-authorized debit (PAD) or Bill Pay, depending on the payee. If your recipient has enabled Interac auto-deposit, the payment is deposited automatically, usually in under 30 minutes. You pay by credit card; the payee receives a regular transfer.

Yes. Chexy submits your tax payment to the CRA, Revenu Québec or local municipalities via Bill Pay. You pay by credit card (1.75% fee) and the agency receives its payment. It's a way to earn points on a tax payment, as long as the value of your points exceeds the fees.

The person you refer must be a new Chexy user who signs up through the link and completes an eligible first payment in the mobile app — signing up alone isn't enough. The bonus is not necessarily instant: a payment may remain in progress for a few days before the credit appears. Only referrals from the current calendar year count toward your tier.

These are two distinct mechanics, with different conditions. The referral link attaches at account creation (no code to enter), and the 2026 program provides a $20/$20 reward after the referred friend completes an eligible first payment in the mobile app. The cited guide does not state a minimum payment amount. The promo code is a discount applied at the payment step, and only on a recurring payment: it doesn't work on a one-time payment (like a single tax payment), nor retroactively on a payment already completed or in progress. In practice: use the link for the $20, and if you also have a promo code, save it for a recurring payment.

Your credit (referral bonus or Chexy Cash) is added after a payment has been successfully completed: bill payment sent, Interac transfer deposited, pre-authorized debit (PAD) withdrawn, or EFT processed. To use it, you redeem it on your next payment: in the "Wallet" for an existing payment, or directly at the checkout screen for a new one. Important detail: redeem your credit before your card is charged — that's about 4 business days before the due date for an existing payment. The credit applies to both recurring and one-time payments, but cannot be withdrawn or transferred: it only serves to reduce your payments through Chexy.

It's a Chexy credit, not a transfer to your bank account. Once the first eligible payment is completed in the mobile app and processed under the current terms, the $20 appears as a credit balance in your Chexy account. You then redeem it via the "Redeem" button (in the Wallet or at the checkout screen) to reduce a future payment made through Chexy. The credit cannot be withdrawn or transferred and may take time to appear while the payment is processed.