🇨🇦 Stores That Give Cash Back in Canada

Updated May 2026 · Sources: Loblaw Companies, Metro Inc., Sobeys, individual retailer policies

Most major Canadian grocery stores, pharmacies, and big-box retailers let you get cash back at the register through the Interac network. You pay by debit card, enter your PIN, and select a cash back amount — the cashier hands you the extra cash. It's free at virtually every major chain.

Here's the full list of Canadian retailers, their cash back limits, and any fees to know about.

Canadian terminology: The service is called "cash back" in Canada (same as the US), powered by the Interac debit network. You must insert or swipe your card and enter your PIN — tap/contactless does not support cash back. Credit cards cannot be used.

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Find ATMs and cash-friendly stores near you in Canada Cashtic maps 1,800+ ATM locations across Canada — plus nearby users for peer-to-peer cash exchange.

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Full List: Cash Back Limits and Fees at Canadian Stores

Store / Banner	Max Cash Back	Fee	Parent Company	Notes
Loblaws	$200	Free	Loblaw Companies	Interac debit only, PIN required
No Frills	$100	Free	Loblaw Companies	Discount banner — staffed registers
Real Canadian Superstore	$200	Free	Loblaw Companies	Western Canada
Shoppers Drug Mart	$100	Free	Loblaw Companies	Pharmacy; limit varies by location
Your Independent Grocer	$100–$200	Free	Loblaw Companies	Independently run; limits vary
Zehrs	$200	Free	Loblaw Companies	Ontario only
Metro	$200	Free	Metro Inc.	Ontario & Quebec
Super C	$100–$200	Free	Metro Inc.	Quebec discount banner
Food Basics	$100	Free	Metro Inc.	Ontario discount banner
Sobeys	$200	Free	Empire Company	Atlantic & Ontario focus
Safeway Canada	$200	Free	Empire Company	Western Canada
IGA (Quebec)	$100–$200	Free	Empire Company	Franchise model; limits vary
FreshCo	$100	Free	Empire Company	Discount banner, Ontario & BC
Thrifty Foods	$200	Free	Empire Company	BC only
Walmart Canada	$100	Free	Walmart	SCO availability varies by store
Canadian Tire	$100	Free	Canadian Tire Corporation	Staffed registers; widely available
Costco Canada	$60–$100	Free	Costco Wholesale	Membership required
London Drugs	$100	Free	Independent	Western Canada
Mac's / Circle K	$40–$60	Varies	Alimentation Couche-Tard	Convenience — may charge $1–$2 fee
Petro-Canada / Esso	$40–$80	Varies	Various	Gas station convenience — check terminal
7-Eleven Canada	N/A	ATM only	7-Eleven	In-store ATMs charge ~$2.50–$3.50

Limits are per Interac transaction. Your bank may impose separate daily debit limits. Contactless/tap cannot be used for cash back — card must be inserted or swiped. Data based on retailer policies as of 2026.

Stores That Give Cash Back for Free in Canada

The short answer: Virtually every major Canadian grocery chain offers free Interac cash back — Loblaws, No Frills, Real Canadian Superstore, Metro, Sobeys, Safeway Canada, Walmart Canada, and Canadian Tire. The convenience store and gas station category is less consistent.

Canada's major grocery groups — Loblaw Companies, Metro Inc., and Empire (Sobeys) — collectively operate most supermarkets in the country, and all offer free cash back across their banners. If you're at a staffed register in any of these stores, cash back is available at no charge.

Loblaw Companies alone operates Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, Zehrs, Your Independent Grocer, and more — meaning most Canadians are within reach of a Loblaw-banner store. All offer free cash back via Interac.

Canadian Tire is notable because it's not a grocery store — it's a hardware, auto, and sporting goods retailer — yet it reliably offers cash back at staffed registers. Useful if the nearest grocery store isn't convenient.

How Interac Cash Back Works

Make any purchase at a staffed register.
Insert or swipe your Interac debit card — tap will not work for cash back.
Select Chequing or Savings account and enter your PIN.
When the terminal asks for cash back, select Yes and enter the amount.
The cashier will hand you the cash along with your receipt.

Self-checkout availability for cash back varies. Most major Loblaws and Walmart Canada locations support it at SCO; others require a staffed lane. If you need cash back at self-checkout, look for a "Cash Back" button on the PIN pad after entering your PIN.

When Cash Back Isn't Available: Alternatives in Canada

Interac e-Transfer ATMs — most major bank ATMs in Canada are fee-free for your own bank. The Big Six banks (RBC, TD, Scotiabank, BMO, CIBC, NBC) also participate in the Exchange Network — withdrawals at partner ATMs are surcharge-free.
THE EXCHANGE® Network — 3,500+ surcharge-free ATMs nationwide at credit unions and smaller banks.
Cashtic — connects you with nearby people who'll hand you cash in exchange for an Interac e-Transfer. Over 1,600 users across Canada. Useful when you need cash outside of store hours or in rural areas.

1,600+ Cashtic users across Canada Exchange cash for an Interac e-Transfer with someone nearby — no store, no ATM, no fee. Free app for Android and iOS.

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Also see: Stores that give cash back in the US · Cash out stores in Australia

Frequently Asked Questions

Does Loblaws give cash back in Canada?

Yes. Loblaws offers free Interac cash back up to $100–$200 per transaction at staffed registers. No fee is charged. Pay by Interac debit and enter your PIN when prompted.

Does No Frills give cash back?

Yes. No Frills (owned by Loblaw Companies) offers free Interac cash back at the register, typically up to $100. No fee is charged. Limits may vary by store location.

Does Shoppers Drug Mart give cash back?

Yes. Shoppers Drug Mart (also owned by Loblaw Companies) offers free Interac cash back at the register. Limits are typically $40–$100. Ask the cashier before paying.

Does Canadian Tire give cash back?

Yes. Canadian Tire stores offer free Interac cash back at staffed registers, typically up to $100 per transaction. No fee is charged. Availability may vary by location.

Does Metro give cash back in Canada?

Yes. Metro grocery stores offer free Interac cash back at the register. Limits are typically $100–$200. No fee is charged. Super C and Food Basics (Metro banners) follow similar policies.

Does Sobeys give cash back in Canada?

Yes. Sobeys and its banners (IGA Quebec, Safeway Canada, FreshCo, Thrifty Foods) generally offer free Interac cash back up to $100–$200 at staffed registers.

Does Walmart Canada give cash back?

Yes. Walmart Canada offers free Interac cash back at staffed registers, typically up to $100 per transaction. Self-checkout availability varies by location.

Does Real Canadian Superstore give cash back?

Yes. Real Canadian Superstore (a Loblaw banner) offers free Interac cash back up to $200 at staffed registers. No fee is charged.

Which Canadian stores give cash back for free?

Major Canadian retailers that offer free Interac cash back include Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, Walmart Canada, Canadian Tire, Metro, Sobeys, Safeway Canada, FreshCo, and most large grocery chains. Convenience stores and gas stations are less consistent and may charge a fee.

How does Interac cash back work in Canada?

Interac cash back works by adding extra money to your purchase when you pay by Interac debit. At the PIN pad, after selecting debit, look for a "Cash Back" option and enter the amount you want. The cash is dispensed by the cashier or, at some locations, through the register. You must use a card with Interac access and enter your PIN.

Is there a fee for Interac cash back in Canada?

At most major Canadian grocery stores and retailers, Interac cash back is free. Some convenience stores, gas stations, and independent retailers may charge a surcharge — the terminal will show the fee before you confirm. Always check before accepting.

Can I get cash back without a purchase in Canada?

No. Cash back at checkout requires a purchase. If you need cash without buying anything, use an ATM or peer-to-peer cash exchange service like Cashtic, which connects you with nearby people willing to hand over cash for an Interac e-Transfer.