My Service Canada Account: How to register with your bank

This page provides you with the information you need to register for My Service Canada Account (MSCA) with your bank. Please make sure to read and understand the below steps before you start your registration. Once you are ready, click on the Start now button at the bottom of the page.

To use your bank information (Sign-in Partner) to access MSCA you must:

1-Determine if your bank is a verified Sign-in Partner

Using a Sign-in Partner to access MSCA allows you to use the same sign-in information you use for your online banking.

View the full list of Sign-in Partners
  • Affinity Credit Union
  • Alberta Treasury Branches
  • BMO Financial Group
  • CIBC Canadian Imperial Bank of Commerce
  • Conexus Credit Union
  • Desjardins Group (Caisse Alliance, Caisses Populaires, UNI)
  • National Bank of Canada
  • RBC Royal Bank
  • Scotiabank
  • Servus Credit Union
  • Simplii Financial
  • Tangerine
  • TD Bank Group
  • Vancity
Sign in partners

2- Verify your identity

Once you have signed in with your banking information (Sign-in Partner), you will be presented with 2 options to help verify your identity:

Use Verified.Me Recommended

The Verified.Me option will allow you to register for MSCA in a quicker and safer way. To help verify your identity using this option, you must use your online banking information. You must consent that your financial institution will share basic personal information with Employment and Social Development Canada (ESDC).

View the full list of participating financial institutions
  • BMO
  • CIBC
  • Desjardins
  • RBC
  • Scotiabank
  • TD

This real-time identity verification will help you access MSCA features right away. For more information, please refer to our Help verify your identity using Verified.Me page.

Note: Do not be alarmed. You will enter your online banking credential twice. You will enter it at the start as a credential to begin your MSCA registration. This is anonymous, there is no information shared with ESDC. You will then enter it a second time to help verify your identity. This time, your financial institution will share basic personal information with ESDC for verification purpose.

Use a personal access code (PAC)

PACs are used to help verify your identity. You need it to register for MSCA with your bank. To verify your identity using this option, you must ensure you have received your PAC before registering for MSCA. You will need to enter your PAC when creating your MSCA profile.

You may already have a PAC. If you don’t, you can request and receive it:

By mail

You can request a PAC online and receive it by mail within 5 to 10 business days.

You will need:

  • your Social Insurance Number (SIN)
  • your parent's family name at birth
  • your postal code if you are a Canadian resident or your country of residence if you are a foreign resident

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Request a PAC

In person at a Service Canada Office

Due to COVID-19, you need to submit a Service Canada's online service request form. A Service Canada agent will contact you within 2 business days.

You will need:

  • your Social Insurance Number (SIN)
  • your parent's family name at birth
  • your postal code if you are a Canadian resident or your country of residence if you are a foreign resident
  • a valid (not expired) acceptable proof of identity, such as:
    • Canadian passport
    • certification of Canadian citizenship
    • certification of Indian status
    • certificate of registration of birth abroad
    • driver's license (provincial or territorial)
    • health card
    • permanent resident card
    • provincial identification card

Find a Service Canada Office

By phone

Note: This service is only available for returning clients of the Canada Pension Plan. Employment Insurance beneficiaries cannot receive a PAC by phone.

The Service Canada agent will let you know when you could receive your access code. The time frame will vary by case.

Call Service Canada at 1-800-277-9914 Monday to Friday between 8:30 am and 4:30 pm local time. You can also call this number to check the status of your PAC request or disable your PAC.

You will need:

  • your Social Insurance Number (SIN)
  • answers to various security questions to verify your identity

3- Create your MSCA profile

Once you have signed in with your bank and have verified your identity, you will be directed to create your MSCA profile.

Start now

Note: You will temporarily leave the government of Canada website to use your Sign-in Partner.

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