What bank account can I set up without photo ID?

You'll have a hard time opening a bank account without photo ID in Canada. If you simply want a way to make card purchases (like you would with a debit or credit card), consider getting a prepaid spending card from an alternative financial institution. Photo ID might still be required, but it's usually easier to sign up for than a bank account and minimum documentation is required. Examples of prepaid cards you can easily sign up for include the Neo Money card and the KOHO Extra Prepaid Card. If you want to transfer money, check out international money transfer services like Wise, WorldRemit or Xe.

How do I open a bank account if my ID is refused?

If you don't have ID on a bank's official list of acceptable identification, go into a bank branch personally to speak to a representative. The bank may be flexible with ID requirements as long as you can verify basic details like your name, Canadian residency and date of birth.

How do I provide proof of residency to open a bank account?

When verifying your residency to open a bank account in Canada, banks will usually accept a recent utility bill, bank statement, CRA Notice of Assessment, credit card bill, government benefits statement, school transcript or other document showing your name and address.