Deposit and withdrawal methods
Move Canadian dollars in and out of your Bright Portmantage account with the methods Canadians actually use. Every method below is free on our side, and the processing times are stated as what they normally are, not best-case marketing. The two tables cover the full picture: how money arrives, and how it leaves.
Deposit methods
Minimum deposit $250 CAD. Deposits are credited after payment-provider confirmation and appear in your transaction record with timestamp and source.
| Payment method | Type | Fee | Processing time | Description |
|---|---|---|---|---|
| Interac e-Transfer | Online banking transfer | Free | Instant | Interac e-Transfer moves funds straight from your Canadian bank account. After you accept the transfer in your banking app, the deposit usually lands in your trading account instantly. |
| Visa | Debit / credit card | Free | Instant | Visa lets you fund your account quickly with a Canadian debit or credit card. Extra verification through Visa Secure may be asked for, and approved payments are normally credited right away. |
| Mastercard | Debit / credit card | Free | Instant | Mastercard deposits are processed online and may require a Mastercard Identity Check step for security. Once the transaction is approved the amount is generally available immediately. |
| Apple Pay | Mobile wallet | Free | Instant | Apple Pay funds your account from an iPhone or iPad using device security such as Face ID. Payments are usually processed the moment authentication completes. |
| Google Pay | Mobile wallet | Free | Instant | Google Pay works from compatible Android devices. After authentication the payment is confirmed immediately and the funds normally arrive without delay. |
| PayPal | eWallet | Free | Instant | PayPal is a fast, familiar way to fund a trading account from a card or bank account linked to your PayPal wallet. Confirmed payments are typically credited instantly. |
Withdrawal methods
Minimum withdrawal $50 CAD per request. Withdrawals are processed during business hours after security checks, and the funds return by the same route you used to deposit wherever the provider supports it.
| Payment method | Type | Fee | Processing time | Description |
|---|---|---|---|---|
| Interac e-Transfer | Online banking transfer | Free | Within 24 hours | Withdrawals are sent to the Interac e-Transfer email or phone on file. Once approved, the funds usually reach your Canadian bank account within 24 hours. |
| Bank transfer (EFT) | Bank transfer | Free | 1–3 business days | Electronic Funds Transfers go directly to your Canadian bank account. Processing depends on your bank and normally takes one to three business days. |
| Visa | Debit / credit card | Free | 1–5 business days | Where your card issuer supports it, funds can be returned to the same Visa card used for the deposit. Final timing depends on the issuer, typically one to five business days. |
| Mastercard | Debit / credit card | Free | 1–5 business days | Mastercard withdrawals are returned to the original card where the issuer allows it. Settlement usually takes one to five business days after approval. |
| PayPal | eWallet | Free | Within 24 hours | Funds withdrawn to the same PayPal account used for the deposit are normally available within 24 hours of approval and can be moved onward from there. |
Rules that apply to every method
Verified identity first
Deposits beyond registration and all withdrawals require completed verification, the same checks described on the AML / KYC page. This is a legal requirement and it protects your money.
Same route back
Funds are returned to the account, card or wallet they came from wherever the provider supports it. Third-party withdrawals, to an account in another person's name, are not possible.
Business hours apply
Processing clocks run during business hours, and public holidays pause them. A request sent Friday evening starts its journey Monday morning, and the tables above count business days.
Full terms, limits and the reasons a request can be held are set out in the withdrawal policy, and every cost, where any applies, is shown before you confirm a transaction on the fees page.