From 4780d35ec74a59ba544524ad1bfcb02accc413cb Mon Sep 17 00:00:00 2001 From: Brian Lee Date: Tue, 10 Feb 2026 11:08:42 -0800 Subject: [PATCH 1/5] Update Global-Reimbursement-Canada.md added to FAQ section for adding a zero for Canadian routing numbers --- .../wallet-and-payments/Global-Reimbursement-Canada.md | 5 +++++ 1 file changed, 5 insertions(+) diff --git a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md index dc5395bbd8923..0303c503cf4c2 100644 --- a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md +++ b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md @@ -105,4 +105,9 @@ To reimburse members: 2. Click **Add deposit-only bank account**. 3. Enter personal bank details. +## If routing numbers for Canadian bank accounts are 8 digits, why does Expensify require 9 digits? + +* The 9-digit requirement is for electronic fund transfers. +* Simply add a zero to the beginning of the routing number to make it 9 digits. + From 36a1bf884cd4b34fc4a5f614202c0294a5f761d7 Mon Sep 17 00:00:00 2001 From: Brian Lee Date: Tue, 10 Feb 2026 11:44:56 -0800 Subject: [PATCH 2/5] Update Global-Reimbursement-Canada.md --- .../wallet-and-payments/Global-Reimbursement-Canada.md | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md index 0303c503cf4c2..a2418edc6b0c7 100644 --- a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md +++ b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md @@ -105,9 +105,9 @@ To reimburse members: 2. Click **Add deposit-only bank account**. 3. Enter personal bank details. -## If routing numbers for Canadian bank accounts are 8 digits, why does Expensify require 9 digits? +## Why does Expensify require 9 digits when Canadian routing numbers are 8 digits? -* The 9-digit requirement is for electronic fund transfers. +* The 9-digit requirement for Canadian routing numbers is for electronic fund transfers. * Simply add a zero to the beginning of the routing number to make it 9 digits. From 1059bb41c704108eea32944e60c7e70b9cd9fc15 Mon Sep 17 00:00:00 2001 From: Brian Lee Date: Tue, 10 Feb 2026 11:46:11 -0800 Subject: [PATCH 3/5] Update Global-Reimbursement-Canada.md --- .../wallet-and-payments/Global-Reimbursement-Canada.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md index a2418edc6b0c7..d4126cd3db7be 100644 --- a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md +++ b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md @@ -108,6 +108,6 @@ To reimburse members: ## Why does Expensify require 9 digits when Canadian routing numbers are 8 digits? * The 9-digit requirement for Canadian routing numbers is for electronic fund transfers. -* Simply add a zero to the beginning of the routing number to make it 9 digits. +* Add a zero to the beginning of the routing number to make it 9 digits. From ac03f9d74fb1be70203dad46fe8600bfc910dc25 Mon Sep 17 00:00:00 2001 From: Brian Lee Date: Tue, 10 Feb 2026 11:47:17 -0800 Subject: [PATCH 4/5] Update Global-Reimbursement-Canada.md --- .../wallet-and-payments/Global-Reimbursement-Canada.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md index d4126cd3db7be..acf0915caea2d 100644 --- a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md +++ b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md @@ -108,6 +108,6 @@ To reimburse members: ## Why does Expensify require 9 digits when Canadian routing numbers are 8 digits? * The 9-digit requirement for Canadian routing numbers is for electronic fund transfers. -* Add a zero to the beginning of the routing number to make it 9 digits. +* Solution: Add a zero to the beginning of the routing number to make it 9 digits. From c841ed632fbd7f190f12446e64722baf8d97fff8 Mon Sep 17 00:00:00 2001 From: Stephanie Elliott <31225194+stephanieelliott@users.noreply.github.com> Date: Tue, 10 Feb 2026 21:19:55 -1000 Subject: [PATCH 5/5] Update Global-Reimbursement-Canada.md --- .../Global-Reimbursement-Canada.md | 233 ++++++++++++------ 1 file changed, 159 insertions(+), 74 deletions(-) diff --git a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md index acf0915caea2d..fed6d6d4ee640 100644 --- a/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md +++ b/docs/articles/new-expensify/wallet-and-payments/Global-Reimbursement-Canada.md @@ -1,113 +1,198 @@ --- title: Global Reimbursement - Canada (CAD) -description: Step-by-step guide to set up a Canadian bank account for issuing global reimbursements in New Expensify. -keywords: [New Expensify, global reimbursement, Canada, CAD, international payments, link bank, reimburse employees] +description: Learn how to connect and verify a Canadian business bank account using SWIFT details to enable Global Reimbursement in CAD. +keywords: [New Expensify, Global Reimbursement Canada, CAD reimbursement setup, Canadian SWIFT code, routing code Canada, connect Canadian business bank account, verify Canadian bank for reimbursement, Workspace Admin CAD payments, international reimbursement Canada] +internalScope: Audience is Workspace Admins. Covers connecting and verifying a Canadian business bank account using SWIFT and routing details for Global Reimbursement in CAD. Does not cover member deposit accounts or non-Canadian reimbursements. --- -
-Canadian companies can enable global reimbursements in New Expensify to send payments directly to members. This guide walks you through the setup process for CAD accounts. +# Set Up Global Reimbursement to a Canadian Bank Account (CAD) + +Workspace Admins can enable Global Reimbursement in CAD by connecting and verifying a Canadian business bank account. + +--- + +## Who can set up Global Reimbursement in Canada (CAD) + +- Workspace Admins +- Workspaces with default currency set to **CAD** +- Canadian businesses with a verified Canadian bank account --- -## Prerequisites +## Before you begin setting up Global Reimbursement in Canada (CAD) + +Make sure you have: -* Verified Canadian business bank account -* Workspace currency set to **CAD** +- Your Workspace default currency set to **CAD** +- Full business bank details (including SWIFT and routing code) +- Required compliance documentation --- -## Required Documents (Canada) +## Required documents for Global Reimbursement in Canada (CAD) -To comply with financial regulations, the following documents are needed: -* ✅ Address verification document -* ✅ Bank statement for direct debit -* ✅ Proof of beneficial ownership -* ✅ Government-issued ID +To comply with financial regulations, you’ll need: + +- Government-issued photo ID +- Proof of address (utility bill or bank statement) +- A recent bank statement for the connected account +- Beneficial ownership information (for anyone owning 25% or more) + +Accepted file types: PDF, PNG, JPEG. + +Note: Additional documentation may be requested by Expensify’s Compliance team during review. --- -# Step 1: Set Your Workspace Currency and Enable Payments +## How to enable Global Reimbursement in Canada (CAD) -1. From the navigation tabs (on the left on web, and at the bottom on mobile), go to **Workspaces > [Workspace Name] > Overview**. -2. Under **Default currency**, choose **CAD$**. -3. Return to the left-hand menu and select **Workflows > Make or Track Payments**. -4. Click **Connect bank account**, then confirm your **currency and country** (Canada – CAD$). -5. Click **Confirm** to proceed. +1. From the navigation tabs (on the left on web, and at the bottom on mobile), go to **Workspaces**. +2. Select your Workspace. +3. Select **Overview**. +4. Under **Default currency**, choose **CAD$**. +5. Select **Workflows**. +6. Ensure **Payments** is enabled. +7. Select **Add bank account**. +8. Confirm **Country: Canada** and **Currency: CAD$**. +9. Click **Confirm**. + +This opens the bank information form. --- -# Step 2: Submit Bank and Business Information - -1. **Enter Business Bank Account Details** - * Transit number - * Institution number - * Account number -2. **Upload a Recent Bank Statement** - * The file must match the entered bank details -3. **Enter Company Information** - * Address - * Phone number - * Business Number (BN), 9 digits (e.g., 123456789) - * Incorporation country and province -4. **Complete Business Details** - * Incorporation country and province - * Incorporation type - * Business category - * Annual payment volume (CAD) -5. **Add Beneficial Owner Information** - * Required for anyone owning 25% or more - * Full name, birthdate, residential address -6. **Add Director Information**: Expensify must verify that the signer is a Director or Senior Officer. - - If **you are** a Director/Senior Officer: - - Provide your full legal name, address, and ID. - - Upload proof of address and a valid form of identification (PDF, PNG, or JPEG only). - - If **you are not** a Director/Senior Officer: - - Enter details for someone who is. - - Expensify will send a message to the Director/Senior Officer outlining what's required. - - They must also provide ID and proof of address. - -Once you agree to the terms, Expensify’s Compliance Team will review your submission. If any additional documentation is needed, our support team will message you. - -## Acceptable Documents - -* Government-issued photo ID -* Utility bill or bank statement (for proof of address) -* File types: PDF, PNG, JPEG +## Enter Canadian business bank details for Global Reimbursement + +On the **Bank info** screen, enter the following exactly as provided by your bank: + +- **Swift Code** +- **Bank Name** +- **Bank Region** +- **Bank City** +- **Bank Address** +- **Bank Postal** +- **Account Number** +- **Routing Code** + +All fields are required. + +Select **Next** to continue. + +**Note:** Global Reimbursement to Canadian bank accounts uses international wire (SWIFT) formatting. Contact your bank if you are unsure which code to enter. --- -# Step 3: Confirm Test Deposits +## Enter business information for Global Reimbursement in Canada (CAD) -1. Expensify will send test deposits to your bank account. Once you see those transactions, contact **Concierge support** to confirm that you received them. -2. After you confirm the receipt of those test transactions, Expensify will complete the bank account verification. -3. Once verified, your bank account is ready to use for global reimbursements. +Provide the following: + +- Legal business name +- Company website +- Business address +- Phone number +- Registration number +- Business Number (BN) +- Incorporation state and country +- Incorporation type +- Business category +- Estimated annual payment volume +- Expected reimbursement amount + +Confirm the information is correct, then select **Confirm**. --- -# Step 4: Start Sending Global Reimbursements +## Provide beneficial owner information for Global Reimbursement in Canada (CAD) + +Regulations require Expensify to verify the identity of any beneficial owner, defined as an individual who owns 25% or more of the business. -⏳ **Timeline**: After submitting all documents, approval may take 2–4 weeks. Once approved, you can reimburse within 2 business days. +1. Confirm whether you or any other individual owns 25% or more of the business. +2. For each qualifying beneficial owner, provide: + - Legal first and last name + - Country of citizenship + - Ownership percentage + - Residential address + - Date of birth +3. Upload documentation to verify ownership. This must include: + - A signed attestation + - An organizational chart + - Verification from a public accountant, notary, or lawyer -To reimburse members: -1. Go to **Workspaces > [Workspace Name] > Make or Track Payments**. -2. Set the verified CAD account as your default reimbursement method. -3. Ask members to add their personal deposit account. +The documentation must: +- Be dated within the last three months +- Include the signer’s license number + +Confirm the information is accurate, then select **Confirm**. + +--- + +## Provide director or senior officer information for Global Reimbursement in Canada (CAD) + +Expensify must verify the authorized signer. + +If you are a Director or Senior Officer: + +- Enter your full legal name and address +- Upload government-issued ID +- Upload proof of address + +If you are not a Director or Senior Officer: + +- Enter the Director’s or Senior Officer’s information +- They will receive instructions to complete identity verification + +--- + +## Complete the authorization form for Global Reimbursement in Canada (CAD) + +1. Select **Take me to Docusign** to complete the authorization form. +2. Once completed, upload the signed form and signature page. +3. Select **Submit**. + +Expensify’s Compliance team will review your submission. If additional documentation is required, you’ll receive a message in the app. + +--- + +## How to verify a Canadian bank account using test deposits + +Before the account becomes active, Expensify sends small test deposits to your bank account. + +When you see the transactions: + +1. Message **Concierge** in the app to confirm the deposit amounts. +2. After confirmation, your bank account will be verified. +3. Once verified, you can begin sending Global Reimbursements in CAD. + +--- + +## How to configure a verified Canadian bank account on a Workspace + +Once verified: + +1. From the navigation tabs (on the left on web, and at the bottom on mobile), go to **Workspaces**. +2. Select your Workspace. +3. Select **Workflows**. +4. Under **Payments**, select the verified CAD bank account as the payment account. + +Reports approved for payment on the workspace will now be reimbursed from this bank account. [Learn how to pay expenses submitted to a workspace](https://help.expensify.com/articles/new-expensify/wallet-and-payments/Pay-Expenses#how-to-pay-workspace-expenses). --- # FAQ -## How do members add their deposit-only accounts? +## Where do I find my Canadian bank SWIFT code? + +Your SWIFT code is provided by your bank. It may appear on official bank documents or within your online banking portal. Contact your bank directly if you are unsure. + +## What is the Routing Code for a Canadian bank account? + +The Routing Code is provided by your bank and may differ from domestic transit numbers. Contact your bank if you are unsure which number to enter. -1. In the navigation tabs (on the left on web, and at the bottom on mobile), go to **Account > Wallet**. -2. Click **Add deposit-only bank account**. -3. Enter personal bank details. +## How long does Global Reimbursement approval take in Canada? -## Why does Expensify require 9 digits when Canadian routing numbers are 8 digits? +Approval typically takes 2–4 weeks after all required documentation is submitted. -* The 9-digit requirement for Canadian routing numbers is for electronic fund transfers. -* Solution: Add a zero to the beginning of the routing number to make it 9 digits. +## How long do CAD reimbursements take after approval? -
+Once approved and verified, reimbursements typically arrive within two business days.