Built for Canada, in Canada.

Float is a Canadian finance platform that brings corporate cards, business accounts, bill pay, working capital and cross-border payments into one place, with AI and automation built in.

Yes. Float issues CAD cards on Visa and USD cards on Mastercard, and converts between them at a 0.25% FX markup, up to 90% lower than a typical bank.

Yes. Float is available to businesses in every province, including Quebec, with bill pay and support in English and French, built for Bill 96.

Float's corporate cards are issued by Visa for CAD cards and Mastercard for USD cards. Float operates on a Charge (credit-based) funding model or a Prepaid funding model. Both funding models offer direct 1% cashback on all categories after the first $25K of monthly spend.

Float Charge: Float Charge offers customers access to unsecured, interest-free credit terms, where the balance is repaid fully at the end of the term (no balances are carried). You can apply* for unsecured credit terms with high limits up to $3M, no credit checks and no personal guarantees.

Float's Prepaid Model: the Prepaid model offers up to {{interest-rate}}% interest on all deposits with no cash lockups, and activation in under 24 hours.

*Conditions apply. Book a demo to learn more.

Float Business Accounts let you receive and store business funds with account routing details for EFT, ACH and wire transfers. Your accounts earn up to {{interest-rate}}% interest with no minimum balance requirements or lockups. Funds are CDIC insured up to $100,000 and held in trust.

You can hold both CAD and USD, with no transaction fees on incoming payments. Business Accounts work alongside your Float Cards and spend management features in a single platform. Opening an account takes about 5 minutes online. No branch visits, minimal paperwork, and you can start earning interest as soon as your account is approved and funded.

Yes. Float is FINTRAC-registered and Bank of Canada recognized, and business account balances carry CDIC coverage on eligible deposits up to CAD $100,000.

No. Float Charge extends up to CAD $3M+ in unsecured credit with no personal guarantee and no lengthy credit check (conditions apply).

Unlike traditional corporate cards and expense management solutions that encourage your teams to spend more, Float helps businesses spend less. Float customers save up to 7% on spend through a combination of financial rewards like our up to 1% cashback, up to {{interest-rate}}% interest on deposits, no FX fees on USD-card spend, and time savings of at least 8 hours per employee.

Float Intelligence automatically codes GST, HST, PST and QST across every province, and syncs to QuickBooks Online, Xero and NetSuite.

Yes. Ramp launched in Canada in 2026 and issues Canadian Visa cards, though it is not yet available to businesses based in Quebec or Saskatchewan. Float is available in every province and territory, with CDIC-eligible accounts that earn yield, bilingual bill pay, and support in English or French.

Float is free to use on our Essentials plan, where you can issue unlimited virtual CAD/USD cards, earn up to {{interest-rate}}% interest on deposits, reimburse employees and pay vendor bills. If you need more sophisticated functionality, like over 20 physical cards, a NetSuite integration or API solution, consider our paid Professional and Enterprise plans.