HomePage / City Services / Home & Property / Pre-Authorized Withdrawals (PAWS)

Pre-authorized withdrawals (PAWS) is an optional prepayment plan that provides an opportunity for taxpayers and residents to make payments towards property taxes and/or user rates through an automatic deduction from their bank account.

Pre-authorized Withdrawals for Property Taxes

The plan helps prepay for the upcoming tax year. Installments are withdrawn on the fifteenth (15) of each month. The City pays interest on any credits at the end of each month (except May and June). The interest rate is set by the Lieutenant Governor in Council, and the rate is updated quarterly. 

The plan runs from July to June each year for a total of twelve (12) installments; however, taxpayers can apply at any time. The later in the year you enroll in the plan, the less withdrawals you will have to prepay for the upcoming tax year.

Please note: to start pre-authorized withdrawals, current year taxes must be paid in full.

If there is a balance outstanding on your tax account when the Tax Notice is issued (end of May), the City will not withdrawal the remaining balance, and a manual payment must be made.

 

It is the responsibility of the registered owner to claim the Home Owner Grant (if eligible) before the tax due date each year to avoid penalties.

Pre-authorized Withdrawals for User Rates

The City of Nanaimo offers two pre-authorized withdrawal plans for user rates (water, sewer, garbage). Enrolling in either plan below will prevent any outstanding balance from transferring to property taxes and accruing daily interest on January 1st each year.

Equal Payments

An estimated amount will be withdrawn from your bank account on the 1st of each month. This estimated amount recalculates annually, and it is based on the property's average annual consumption.

Please note: to start pre-authorized withdrawals, the account must be up-to-date (zero balance).

Auto Debit

The total invoice amount, inclusive of the discount, will be withdrawn on the due date (approximately every four months).

Enrolling in a Plan

Please ensure you have read the Terms & Conditions before enrolling in the plan.

 

 

 

 

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Last updated: August 30, 2024

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