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Pay Your Way –

Instantly, Easily, Safely

Send and receive money anytime, to anyone, at any bank.

No fees. No hassle. No waiting.

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What is Co-Optima Pay?

Co-Optima Pay is the fast, free way to send and receive money instantly – whether you’re paying a friend, a business, or your bills.

Lightning Fast

Instant & Free

Easy to Use

Just a Phone or Email

Safe & Secure

Protected for You

What Can You Do with Co-Optima Pay?

Pay Bills

Make Business Payments

Receive Funds

Send to Friends

Pay Businesses

No cash? No problem.

Sending money in a snap

Paying the barber fast.

What is Co-Optima Pay?
Co-Optima Pay is an extension of the Co-optima banking app. It is an instant payment solution that allows you to send and receive money immediately — anytime, to anyone, at any bank — directly from your phone, tablet or laptop.
Is there a cost to use Co-Optima Pay?
No. Transfers made through Co-Optima Pay are completely free, whether you’re sending money to another BPWCCUL member or to someone at another bank.
How fast are payments?
Payments are processed instantly. Once you confirm your transaction, the recipient receives the funds immediately along with instant notification confirmation.
What do I need to send money?
You only need the recipient’s phone number or email address linked to their account. Full banking details are not required.
Who can I send money to?
You can send money to:
- Family and friends
- Businesses and vendors
- Service providers
- Anyone with a participating bank account
Can businesses use Co-Optima Pay?
Yes. Businesses can receive payments quickly and securely, making transactions easier for both merchants and customers.
What can I pay for using Co-Optima Pay?
Co-Optima Pay can be used for:
- Everyday purchases
- Bills and services
- Business transactions
- Sending money to loved ones
- Receiving payments instantly
Is Co-Optima Pay secure?
Yes. Co-Optima Pay is built with strong security measures to protect your money, personal information, and transactions at every step.
Can I use Co-Optima Pay anytime?
Yes. Co-Optima Pay is available 24/7, allowing you to make payments whenever you need to — day or night.
Do both people need to be BPWCCUL members?
No. You can send money to individuals at other participating banks as well.
Will I know if my payment was successful?
Yes. Both sender and receiver receive instant confirmation notifications once the transaction is completed.
How do I get started?
Ensure your contact information is up to date by calling the Contact Centre at 246-622-9000 or visit any of the convenience branches. Simply download our Co-Optima digital banking platform from the Appstore and follow instructions. Co-Optima Pay will become available on June 12, 2026 – same app upgraded to Co-Optima Pay.
How can I update my banking information?
To efficiently use Co-Optima Pay you can update your banking information to your most recent contact detail by coming into any of our five (5) branches or calling the Contact Centre at 246-622-9000.
Why should I choose Co-Optima Pay?
Co-Optima Pay gives you:
- Instant payments
- Free transfers
- Easy-to-use technology
- Secure transactions
- The trusted support of your Credit Union
- It’s designed to make everyday payments faster, simpler, safer and more convenient