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Desjardins offer

What do you get?

Newcomers, open a Desjardins bank account and benefit from:

Free unlimited plan for your current transactions for a period of 12 months

A small free security box for 12 months

The recognition of your driving years, for your possible car insurance

Enhanced rate for non-redeemable term savings

In addition, we offer you:

  • A free debit card
  • A credit card with no annual fee, no deposit
  • Auto and home insurance
Additional offer to Working holiday makers and Young Professionals!
If you are a Working Holiday maker or a Young Professional and you open your Canadian bank account at Desjardins before your departure, you can benefit from one month of Globe WHV insurance offered (CA $ 45). More information...

What you need to keep in mind

  • Freebies offered by Desjardins will not start until your account is finalized locally in Canada - so you can pre-open your account online before your departure.
  • In the online account opening questionnaire, for the section "Document - Status of residence in Canada" enter:
    • Issuing country: Canada.
    • Province / Territory: Select your province of arrival.
    • Document Type: Select IMM - 1442 (Study Permit Work).
    • Document Number: Enter the number of your acceptance letter beginning with a U.
    • Expiry Date: Enter the end date of your permit or visa (= expected arrival date + duration of your permit or visa).
  • For the section "Additional questions":
    • What is the intended use of the account: select "budget management".
  • For the "Tax residence" section:
    • Select: "I am a resident of a tax jurisdiction other than Canada and the United States for tax purposes ".
    • Enter your Tax Identification Number which you will find in your tax documents.

Check out the full details

How to benefit from this offer

  • Apply to open an online bank account before your departure to become a member of a Desjardins Caisse (=Branch).
  • Hold a valid Working Holiday permit at the time of opening the account,
    or have been a permanent resident of Canada for 3 years or less,
    or be a temporary foreign worker with a work permit of 6 months or more (young professionals, for example).
  • When you arrive in Canada, you should ideally go to the office located at this address: 1101 Sainte-Catherine Street West, Montreal, Quebec H3B 1H8 to finalize your account opening.
  • Thereafter your account will be managed by the Caisse of your choice in Quebec or Ontario.
  • If you do not go through Montreal, you can pre-open your account online, eventually transfer your funds, and then finalize your account in the Caisse to which your account is attached.
Good to know about Desjardins offer

When should I open my bank account?

It is recommended to open an account at least 30 days before your departure, this allows your application to be validated by Desjardins and you can proceed, if you wish, a transfer of your savings to have your money available upon your arrival in Canada.

Can we open a joint account?

Desjardins can open a “joint account” if you wish. For this, you can specify it in the online questionnaire section "Other complementary needs / comments" or by e-mail to our newcomers team ([email protected]) by sending the reference of the passport and of the letter of acceptance of the 2 co-holders of the account.

The banking system in Canada

In Canada, when you open a bank account, you choose a more or less expensive package that determines the number of bank transactions (withdrawal of money, card payment or check payment) that you will be able to make monthly without additional fees.

What is cash back?

To avoid paying withdrawal fees in other banks, you have the possibility, when you pay for your shopping card in a store, to ask for "cash back": you pay your shopping and you leave with, by example, $ 30, which is debited from your account at the same time as your shopping.

Once the first 12 months in Canada are up...

Please note that you can continue to receive your free current account without limit by simply maintaining a minimum balance on your account. Example: by maintaining a balance of $ 1,000 CAD on your current account, you can benefit from the free package "the economic".

Find packages available at Desjardins from $ 3.45 CAD per month and the balances necessary to keep it free.

The student offer

Desjardins also offers interesting offers for foreign students that also include:

  • Account without monthly fees
  • Free immediate debit card
  • No annual fee credit card
  • Exclusive benefits and discounts for Desjardins members

More informations about the student offer

Gardens
02
There's more - Exclusive agreement with ACS (Globe WHV) and Desjardins!

Desjardins offers to the Working Holiday and Young Professionals permits holders who open a bank account before their departure, a month of subscription to Globe WHV (the equivalent of 45 $ CA), insurance specially dedicated to "IECists" (Working Holiday Visa, Young professionals and Co-op Internship)!

Who can benefit from this offer?

  • People aged 18 to 35 and holders of a Working Holiday permit or a Young Professionals license.
  • People who are not already members of a Desjardins caisse.
  • People from France, Belgium, the UK and Ireland.

How to benefit from this offer?

Before December 31, 2020:

1 - Subscribe to a Globe WHV insurance contract for at least 12 months.

2 - Open an eligible EOP account* in a Desjardins caisse in Québec before your departure on the Internet, by using this link.

3 - Send the Globe WHV insurance certificate to the Desjardins Newcomers team by e-mail, along with the scanned version of your passport and your letter of introduction, to this address: [email protected] for an online account opening OR provide the Globe WHV insurance certificate to the Desjardins Newcomers Team when you arrive in Montreal.

4 - Finalize the opening of your account at the latest in the 60 days of the pre-opening.

The amount of forty-five dollars ($ 45 CAD) will be deposited on your account by the Desjardins Newcomers Team:

  • The day of the finalization of the opening of the account, if the account is finalized by the Desjardins New Arrivals team at 1101 Sainte-Catherine Street West, Montreal, Quebec H3B 1J4.
  • Within 60 business days (after pre-opening), if the account is finalized at another Desjardins point of service in Quebec.

Warning

This offer is not available if you open your account directly at a Caisse Desjardins du Québec.

To view the full settlement of this offer, click here.

If you have any questions about this offer, do not hesitate to ask them in comment or to send them to Rémy PARIS!

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Desjardins

Desjardins, a trusted financial institution

Desjardins, the largest cooperative financial group in Canada and a leading financial institution in Quebec, enjoys a high degree of credibility. Desjardins is ranked 4th rank in the category Safest Banks in North America by Global Finance, and displays of capital and credit ratings among the best ratios in the industry.

Desjardins has more than 7 million members and clients in more than 290 caisses in Quebec and Ontario (Ottawa and Toronto). It provides you with a network of over 2,000 ATMs and nearly 1,000 points of service.

OPEN A BANK ACCOUNT IN CANADA BEFORE YOUR DEPARTURE
remy
75011 Paris, France
Our partners are available to answer any of your questions. Feel free to leave your comments.
Julie
Paris, France
Our partners are available to answer any of your questions. Feel free to leave your comments.

Reviews

Please leave your feedback or ask questions
kimi26
3 0
This review was posted in French. Show original

Hello, I'm only going to stay in Montreal for 5 months, can someone tell me if I can leave the bank after these 5 months? Thank you :)

Nass19
15 3
This review was posted in French. Show original

Hello, how many times can I make a withdrawal per week? With an account opened online for new students.
Thank you

Nass19
15 3
This review was posted in French. Show original

Hello, how many times can I make a withdrawal per week? With an account opened online for new students.
Thank you

Maxime
5 0
This review was posted in French. Show original

Hello,
I took the necessary steps to open my account online and I received an email from Desjardins.
However, I cannot open the attached document, even by entering my passport number as a password. Can you help me?
Cordially.

remy
22 7
This review was posted in French. Show original

Hello.
Thank you for your interest in Desjardins.

Following the first email with your RIB Desjardins from our New Arrivals team, you should have received a second containing a password to open it.

PLEASE NOTE: emails sometimes arrive in the SPAM mailbox or spam.

If this is not the case you can directly contact our team dedicated to new arrivals and non-residents:
+ 1-514-875-4266, option 1
[email protected]

cordially

Rémy PARIS
Desjardins Europe

remy
22 7
This review was posted in French. Show original

Hello
Thank you for your trust in Desjardins.
In order to ensure that you have the correct password, I invite you to contact our New Arrivals team directly at [email protected] or at 001 514 875 42 66 option 1.
cordially
Rémy PARIS
Desjardins Europe

This review was posted in French. Show original

Hello !
It seems, when opening a remote account, that it is necessary to give the address that we will have in Canada. Except I intend (as many surely!) To take advantage of the Working Holiday Permit to change place and even province more or less regularly ... what should I communicate as an address?

remy
22 7
This review was posted in French. Show original

Hello.
Thank you for your interest in Desjardins.
For the "Address in Canada" section, you can tell us the neighborhood where you think you will even be living temporarily or work to allow us to choose the Caisse (= agency) most convenient for you. Then we can change it with your final address.
If you have other Canadian banking questions, we invite you to directly contact our team dedicated to newcomers and non-residents:
+ 1-514-875-4266, option 1 [email protected]

This review was posted in French. Show original

Hello,
Is the "good garden plan" with Globe PVT valid for Calgary and / or Vancouver?
Thank you

remy
22 7
This review was posted in French. Show original

Hello,

First of all, thank you for your interest in Desjardins and congratulations on your project in Canada.

Desjardins is present throughout Quebec and Ontario but we are not present in the rest of Canada as you will see on www.desjardins.com/localisateur
However, our payment methods (debit card, credit card, checks, INTERAC transfers, etc.) work across Canada.

If you have other Canadian banking questions, we invite you to directly contact our team dedicated to newcomers and non-residents:
+ 1-514-875-4266, option 1 [email protected]

cordially

Rémy PARIS
Desjardins Europe

Michaël
11 4
This review was posted in French. Show original

HELLO
I'm flying tomorrow for Montreal.
I received the certificate of transfer of funds, to make my transfer via transfer wise and I cannot send money because it is written that my account number must contain 16 characters, except it has only 15 !! does this have to do with the absence of a verifier number?

Julie
14K 4.9K
This review was posted in French. Show original

Hi Michaël, has the problem been solved? I know that many pvtistes go through Transfermate to send their money to a Desjardins account and that it works well. The two transfer organizations should work more or less the same so normally it should be good :)

alina
2 0
This review was posted in French. Show original

Hello ,
I would like to benefit from the good Desjardins plan to make transfers before my departure, but the bank asks me for an address in Canada. That I am not at the moment because when I arrive I will be in an airbnb. How did the PVTiste do ???

remy
22 7
This review was posted in French. Show original

Hello.
Thank you for your comment and your interest in Desjardins. We actually ask you for an address in Canada to select the agency (called the Caisse) that is most convenient for you once there. You can therefore tell us "roughly" the district where you plan to live and / or work.
If you have other Canadian banking questions, we invite you to directly contact our team dedicated to newcomers and non-residents:
+ 1-514-875-4266, option 1 [email protected]


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