In Australia, Beaufort Fiduciaries Pty Ltd (ACN 162 139 871, AFSL No. 545124) provides wholesale clients with access to derivatives where the underlying assets are digital assets. Derivatives are complex, regulated financial products that are difficult to understand and may not be suitable for inexperienced investors. For eligibility, terms and conditions click here. Krak Pay is offered by Bit Trade Australia Pty Ltd (ACN 163 237 634), Authorised Representative of Flexewallet Pty Ltd (AFSL 448066). This information is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you and read the relevant disclosure documents before making any decision.

Apaylo Bill Pay funding method

Last updated: April 29, 2026

Apaylo is one of Kraken’s Canadian funding providers, enabling CAD transfers domestically through the Bill Payment functionality available at most Canadian banks and credit unions. This funding method is available to clients with accounts at supported Canadian financial institutions (excluding CIBC, RBC, and some TD branches). 

Apaylo is a regulated Canadian payments provider offering streamlined account funding for both individual clients and institutional partners.

 

How to fund your account

  1. 1

    Log in to your online banking platform.

  2. 2

    Go to the Bill Payment section.

    Search for Apaylo Finance Technology as the payee.

  3. 3

    Enter your unique Account Number in the following format: APL7523 + 00000 + [Three-letter code assigned to your account]

  4. 4

    Use this payee each time you wish to send funds.

Supported Institutions

Apaylo is supported by most Canadian financial institutions. If you do not see Apaylo listed, in many cases, you may request that they be listed by your financial institution.

  • Bank of Montreal (BMO)
  • Scotiabank
  • National Bank
  • Canadian Western Bank
  • Laurentian Bank
  • Manulife Bank
  • Equitable Bank (EQ Bank)
  • Concentra Bank
  • Motus Bank
  • Alterna Bank
  • B2B Bank
  • Tangerine
  • Home Trust
  • Fairstone Bank
  • First Nations Bank
  • ICICI Bank Canada
  • HSBC Canada
  • Vancity
  • Coast Capital
  • First West Credit Union (incl. Envision, Enderby & District)
  • BlueShore Financial
  • Meridian
  • Alterna Savings
  • DUCA
  • FirstOntario
  • Kindred
  • Libro
  • Steinbach
  • Assiniboine
  • Cambrian
  • Sunova
  • Affinity
  • Innovation Federal
  • Servus
  • Synergy
  • Conexus
  • Other SaskCentral-affiliated Credit Unions

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