Pre-Authorized Withdrawal System (PAWS)
Take the stress out of paying your taxes and sign up for the City of Kelowna’s property tax prepayment plan.
The Pre-Authorized Withdrawal System (PAWS) for property taxes provides Kelowna taxpayers with a fee-free way to prepay their property taxes in installments through an automatic monthly withdrawal.
How It Works
- There are no fees and you will earn monthly interest on your payments.
- You can join the plan once outstanding property taxes are paid.
- Monthly payments are withdrawn from your bank account on or after the tenth day of each month, starting in July and ending in May.
- You are responsible to make the final June payment and, if eligible, claim the home owner grant by the property tax due date to avoid penalties.
- An annual property tax notice, mailed to you in mid-May each year, will show the amount due after prepayments and interest earned.
Signing Up For PAWS
To apply, you will need to know your roll number and your access code; both are located on the top right hand corner of your property tax notice.
The current year's property taxes must already be paid in full at the time of application.
Monthly Payment Amount
Your monthly payment amount is an estimate based on one-twelfth of your current year’s net tax payable. The amount of your regular monthly payment for the next year will be included on your annual property tax notice.
If you are beginning the PAWS program mid-year, monthly payments can be set at the amount that suits your budget. This will lighten the amount owing at the due date.
Each month, the City of Kelowna will notify your financial institution of the amount of the withdrawal. The City does not charge for this service; however, your financial institution may make a charge for your withdrawal, depending on the type of account you have.
If a withdrawal is not honoured by your financial institution for any reason, your property tax account will be charged a returned item fee of $25.
Interest is earned on the payments applied to your property taxes each month until May 31. This interest is credited to your property tax account.
Simple interest will be paid on your prepayments at the Royal Bank prime rate less three per cent (minimum 0.4 per cent). This interest is considered a tax discount by Canada Revenue Agency and is tax free.
Authorizing Your Final PAWS Payment
The final June payment is the amount that is stated on the property tax notice. To authorize your final June payment online, log onto Property Tax eServices. Please authorize your final payment on or before midnight of the property tax due date and allow sufficient time for your financial institution to withdraw the funds from your bank account.
Alternatively, the final payment can be made at most financial institutions in Canada (in person, by telephone or internet banking), by mail, or at City Hall. Mail early to avoid penalty. Post-dated cheques are accepted.
Provincial Legislation requires that any current property taxes that remain outstanding after the due date will be charged a penalty. To avoid this penalty, taxpayers must ensure that any balance remaining on their property tax account (after prepayment installments and home owner grant have been applied), is paid in full by the property tax due date.
Changes To Your PAWS Plan
If you want to change or cancel PAWS and/or if you sell your property, you can:
- Log onto Property Tax eServices (you will need to know your roll number and your access code; both are located on the top right hand corner of your property tax notice), or
- Complete the PAWS Revision Form in order to cancel or change your regular withdrawals. This form can be emailed to us at email@example.com, faxed to 250-862-3391, or dropped off or mailed to City Hall.
If you are cancelling your participation in PAWS, please advise the Revenue Branch in writing by the first of the month in order to provide enough time for the regular withdrawal to be cancelled before the next payment date.
Prepayments received up until the cancellation date will remain attached to the property tax account.
When selling your property your notary must determine the amount of money prepaid to your property tax account and should credit you accordingly in the sales document(Statement of Adjustments).
For more information, sign up for City of Kelowna Property Tax e-updates or contact us at: