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In terms of being used for authentication, CRA and other online services usually require SIN + DOB + Postal Code, and then they mail you a 4-digit PIN to the address they have on file.

Hilariously enough, if you call them, you can change the address on file if you have SIN + DOB, making the "PIN" pointless (and irritating, since you have to wait several weeks)




They have updated now to work with some of the banks.

Still a pain to get it setup, but once you are setup it is much better now.




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