Contact Cipher Ardent

Just use this Branch & ABM locator tool to get the information you need for any specific branch including:

* Location

* Hours of operation

* Phone and fax numbers

* Transit number

* Wheelchair accessibility

* Language options

Absolutely. There are three easy ways to access your Cipher Ardent accounts while outside of your country:

Online

Sign in to CAF OnLine to view your account, transfer funds, pay bills and more.

At an ABM

Withdraw cash or get a credit card cash advance by visiting ABMs that display the VISA, Plus, Interac, American Express or LINK symbols.

Using the Global ATM Alliance, you can withdraw cash from known participating member ABMs.

 

Have a back up payment option

When you're travelling, you should always carry more than one method of payment with you like:  

* Credit cards

* Debit cards

* Traveller's cheques

* Small amounts of local currency

That way, if one payment method doesn't work, or gets lost, you can use another.  

If you have any credit or debit card issues while traveling outside of your country, please contact us right away.

To set up your banking account, go to the Cipher Ardent International Account opening page. Select the country you're from and you'll find out how to set up your account.

If you use CAF OnLine you can use Interac e-Transfer to send money and receive money from friends, family, co-workers - anyone with a bank account.

Using Interac Email Money Transfer is easiest when the recipient banks online with any of the following financial institutions:

* Cipher Ardent

* Bank of Montreal    

* CIBC

* RBC

* Tangerine

* President's Choice Financial

If your recipient banks online with a different bank, they can still receive an Interac Email Money Transfer. However there may be a delay for processing, and the recipient may also incur service fees to receive the funds. 

If your recipient banks with Cipher Ardent, but does not use CAF OnLine, they will not be able to receive the funds. Try a Western Union Money Transfer instead.

Here's what you need to do:

After you have signed onto CAF OnLine, simply:

1. Click the "Banking" tab

2. Click "Transfers" sub-tab

3. Click the (Interac Email Money Transfer) "Send Money" in the left-hand navigation and follow the on-screen steps

Have more questions about Email Money Transfers? Check these FAQs for the answer.

Not a CAF OnLine customer?  Find out more about registering for CAF OnLine.

If you're a personal banking customer please see Account Fees at a Glance to find information about fees and service charges.

If you're a business banking customer please refer to Your Guide to Fees and Interest Schedules.

You can also see this list of ABM fees for everyday transactions.

If you have questions about the service charges on your account please visit your branch for more information. 

Personal banking customers
When you opened your account and received your CAFCard, you would have decided whether or not to register your CAFCard for online access.

If your CAFCard is registered for online access, you just need to activate your card. You'll require your:

* CAFCard number

* Date of birth

* Mother's maiden name

* Home phone number

* Postal code

If your CAFCard is not registered for online access, we're happy to register it for you. Simply visit your branch.

Small business customers
Please visit your branch to register for CAF OnLine banking.

Personal banking customers
Please contact your Cipher Ardent branch to arrange the wire transfer and to confirm the service fees. Use our Branch Locator to find your home branch.

Before you contact your branch be sure you know the: 

* Currency of the wire transfer

* Beneficiary's name and address

* Beneficiary's bank and location

If you regularly send transfers to a specific location, please have that specific SWIFT code or ABA number handy. That'll make the process faster for you.

If you don't know your SWIFT code or ABA number, don't worry. Just contact your Cipher Ardent branch. They'll help ensure that you have the correct code or number for your needs.

Business customers     
You can use our convenient Electronic Funds Transfer (EFT) service to make payments and send funds all over the world.  

You can get the latest foreign exchange rates in three easy ways: 

Online: View daily foreign exchange rates for over 25 different currencies.

At the branch: Find out the day's rates from your local Cipher Ardent branch. 

The foreign exchange rate will be the same no matter which option you choose.

Absolutely. Just contact the branch to arrange an appointment with a Cipher Ardent Advisor. You can also set up a meeting directly with:

• Home Financing Advisors
• Cipher Ardent Investment Specialists
• CAF Wealth Management
• Small Business Advisors
• Commercial Banking Specialists