724 SOLUTIONS INC
6-K, 2000-09-19
BUSINESS SERVICES, NEC
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<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION
                              Washington D.C. 20549


                                    FORM 6-K


                            REPORT OF FOREIGN ISSUER
                    PURSUANT TO RULE 13a-16 OR 15d-16 OF THE
                         SECURITIES EXCHANGE ACT OF 1934

                        For the month of September, 2000




                               724 SOLUTIONS INC.




                          4101 Yonge Street, Suite 702
                        Toronto, Ontario, Canada M2P 1N6
                    (Address of principal executive offices)


       Indicate by check mark whether the registrant files or will file annual
       reports under cover Form 20-F or Form 40-F

                  Form 20-F         X         Form 40-F
                            ----------------            ---------------

       Indicate by check mark whether the registrant by furnishing the
       information contained in this Form is also thereby furnishing the
       information to the Commission pursuant to Rule 12g3-2(b) under the
       Securities Exchange Act of 1934

                  Yes                 No      X
                     ----------------    ------------

       If "Yes" is marked, indicate below the file number assigned to the
       registrant in connection with Rule 12g3-2(b):

                  82-      N.A.
                     ---------------

<PAGE>

                               724 SOLUTIONS INC.
                                    Form 6-K

                                TABLE OF CONTENTS

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Signatures                                                                    3

     724 Solutions Inc. - Material Change Report on Section 75(2) of the     Exhibit
     Securities Act (Ontario) - 724 Solutions Acquires Spyonit.com             99.1

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<PAGE>


                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this Report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                                        724 SOLUTIONS INC.


                                        By:   /s/ Karen Basian
                                              ------------------------------
                                              Name: Karen Basian
                                              Title: Chief Financial Officer


Date:  September 19, 2000


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