I am from India and I need a GIC for my visa application. I turned 18 recently on 7/7/19 and i don't have a pan card. I applied for my pan card on 12th July but I don't think I will receive it any time soon. I need to fund my GIC asap because I need to get started on my visa process. I have a joint account with my mother where I am the primary account holder. However if we use that account to transfer the fund from my account to Scotiabank for the GIC it will obviously need a pan card and that will be my mother's. It is a joint account and I am the primary holder my question is even if my mom's pancard is used will it reflect my name once the fund is received by Scotiabank. I need to know asap it's urgent please let me know if you have any information. Thanks!!