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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
Clem
0 0
This review was posted in French. Show original

Hello !
I already put a comment for the additional 23kgs of luggage, I also want to thank you for the good Desjardins plan and also for the car rental! Top !

This review was posted in French. Show original

Hello,
Is the offer also valid for co-op internships?
Thank you

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

Hello Edouard,

No, the offer is limited to PVTistes and Young professionals.

This review was posted in French. Show original

slt there is no way to send money or even make count open an account here even where jenme resides in Algeria. So my question what to do and thank you bcq

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

Hello, you can make a transfer from your Algerian bank to your Canadian bank or then go through a money transfer organization like Transfermate: https://pvtistes.net/bonsplans/transfermate/, which generally offers more exchange rates interesting :)

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

Hello,

Thank you for your interest in Desjardins.

We offer a very simple and free remote account opening process in 3 steps and 7 working days:
A - We invite you to consult our reference site www.desjardins.com/OpenOccount and to respond to the best of your knowledge to the form by filling in the mandatory fields.
B - Subsequently our team dedicated to new arrivals will take care of you and communicate with you by email (remember to check your SPAM file or spam) to finalize the opening, receive the electronic versions of your identity documents and visa and guide you through the next steps (sending the bank details, 1st transfer of funds, etc.)
C - Once in Canada, you will be able to authenticate yourself and recover your means of payment (FREE debit card = access card)

For more information you can contact [email protected]

cordially

Rémy PARIS
Desjardins Europe

wcxd
7 1
This review was posted in French. Show original

Hello,

I followed the account opening procedure in order to benefit from the free one year. I have received an email (automatic?) From the bank confirming my request to open an account.

However I have no other information, in particular I would have liked to be able to transfer funds before my departure to have access to it as of my arrival.

Do you know how can I do?

thank you,

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

Hello.

Thank you for your interest in Desjardins.
- Following your online request, you will receive an email from [email protected]
CAUTION: Do not forget to check your SPAMS box or spam.
- Respond by email to the questions asked by attaching a digitized version of your passport and your acceptance letter.
- You will then receive a Bank Identity Statement which will allow you to make your 1st transfer of funds to Canada.

If you have other Canadian banking questions, we invite you to contact our dedicated team for newcomers and non-residents directly by writing to [email protected]

cordially

Rémy PARIS
Desjardins Europe

Samir
1 0
This review was posted in French. Show original

Hello,

I arrived in Montreal 2 days ago as a PVTiste and I would like to take advantage of this offer, however when I wish to register, I see this message there:
"
This request is for you if ...
You have taken steps to immigrate to Canada.
Your arrival on Canadian soil is planned within 12 months.
It is NOT for you if ...
You have already arrived in Canada. If so, use the form
"

Does this mean that I cannot take advantage of this offer now that I have set foot on Canadian soil?
When I click on the link to open an account, you ask "Provide your social insurance number (SIN)." But as a Belgian, I do not have a SIN but an NISS, a Belgian national number which allows identify a person in the Belgian social security system, is that also good?

Thank you in advance for your answers

Samir
1 0
This review was posted in French. Show original

Hello again, I withdraw my question on the NAS, but I maintain the first, sorry.

Thank you.

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

Hello,

Welcome to Canada !
You can also take advantage of this offer once there.
You should ideally go to our service point dedicated to newcomers at 1101 rue Ste Catherine Ouest, Montreal, QC, H3B 1J4.
or by writing to them at [email protected]
You will be able to benefit from the 12 months of free (and other benefits) AND the month of Globe PVT insurance offered (if you are insured by ACS)
https://pvtistes.net/bon-plan-globe-pvt-desjardins-canada/
We remain at your disposal for further information

cordially

Rémy PARIS
Desjardins Europe

Samir
1 0
This review was posted in French. Show original

Hello,

Perfect, thank you very much @remy_paris.
So I would go to this address.

Regards,

D
0 0
This review was posted in French. Show original

Hello,
I would like to know if we can finalize the opening in Ottawa, or we would have to go through the agency in Montreal.
I would like to have details on the cards we will have with the Desjardins account. will we have a debit or credit card or both? can we have the interest rates applied on credit cards?

Thank you
cordially

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

Hello.

Thank you for your message.
You can absolutely initiate your account opening online at www.desjardins.com/OpenOccount.
Then afterwards you can finalize the opening of an account in our agency in Ottawa.
For more information, contact our team dedicated to newcomers: [email protected]

cordially

Rémy PARIS
Desjardins Europe

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

Hello,
In addition to my answer I confirm that we offer 2 cards:
- The DEBIT card is offered free with the current account and allows you to withdraw money from ATMs, pay at merchants (but not on the Internet) and consult free access D, the Desjardins online bank.
 - The CREDIT "REMISE DESJARDINS" card is offered without annual fees with an interest rate of 19.9%
https://www.desjardins.com/particuliers/prets-marges-cartes-credit/cartes-credit/remises/index.jsp
As you will read, a credit card is not mandatory in Canada but highly recommended for:
- Being able to benefit from the VISA or MASTERCARD functions and therefore being able to buy online
- Being able to quickly build up a Canadian credit history, a precious sesame, which opens many doors.
 Desjardins offers you credit cards with no credit history and no security deposit
 
GOOD TO KNOW: A credit card does not generate fees if:
- You choose a card with no annual fee (ex: Desjardins discount card)
- You set a realistic maximum limit for your credit card (ex: 500 CAD per month)
- You automate the monthly payment of your credit card by direct debit in your checking account within 3 weeks which does not generate any interest)
- You do not withdraw money from ATMs with this card

cordially

Remy PARIS
Desjardins Europe

This review was posted in French. Show original

Hello,
I wanted to know if I had to go through the online opening to have the benefits or I can do it directly on site?
thank you for the answer

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

Hello.
Thanks for your question.
If you go through the team dedicated to newcomers (www.desjardins.com/OuvrirCompte or [email protected]) you will benefit from an adapted care and you will benefit from 2 offers: the offer of welcome to newcomers www.desjardins.com/welcome and the related one month free insurance at ACS Globe PVT. https://pvtistes.net/bon-plan-globe-pvt-desjardins-canada/ (the latter is valid ONLY with our New Arrival Home team). cordially

Rémy PARIS
Desjardins Europe

Chloé
416 117
This review was posted in French. Show original

Good morning all,

I have a question about desjardins bank and I can't find the answer.
If I open a Desjardins account, do I have fees if I pay by credit card in other provinces?

Thanks for your help.

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

Hello.
Thanks for your question.
I can confirm that the Desjardins debit and credit cards can be used in all provinces of Canada.
As you benefit from a package with unlimited transactions as PVTistes. All payments with both cards are free of charge. The only fees you may have are fees for withdrawing cash from ATMs outside Desjardins.
However, you could withdraw money free of charge in supermarkets with the Cash Back system of your debit card.
cordially

Remy paris
Desjardins Europe

This review was posted in French. Show original

Hello,
I just arrived in Canada with a pvt visa. I wanted to open an account at Desjardins, to benefit from the advantages. But I was asked for my French tax resident number, which I find very odd. I would like to know why a given phone is mandatory for opening an account when this is not the case in other banks?
Thank you for your reply

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

Hello,

Thank you for your interest in Desjardins.

Indeed we ask for the Tax Identification Number (which you find on your French tax documents) to comply with the new Canadian tax requirements which require that "financial institutions must take measures to more precisely record residence status for the purposes of the tax of their account holders so that Canada can exchange information with the appropriate foreign governments "as you will read on the Canada Revenue Agency website.
https://www.canada.ca/fr/agence-revenu/services/impot/impot-international-non-residents/declaration-amelioree-rôles-comptes-financiers/rôles-particuliers-detenteurs-comptes-institutions-financieres- canadian.html

This does not change the fact that there is no double taxation between France and Canada.

Some financial institutions may be slower to deploy these new requirements.

We remain at your disposal for further information :
- 001 514 875 4266 option 1
- [email protected]


cordially

Rémy PARIS
Desjardins Europe

This review was posted in French. Show original

Hello,

As a result of the recent obtaining of a WHP, I would land on January 22 in Toronto and then reside there until August 2018 minimum.
For this reason, I would like to benefit from your offer by opening my bank account with DESJARDINS.

However, by briefly reading this article, I seem to have understood that the only way to finalize the opening of a bank account (AFTER AN ONLINE OPENING) is to appear in person in Montreal. However, I do not intend to go to Montreal, neither on my arrival on the territory, nor during my 8 month stay.

Could you tell me if I can benefit from this offer under the conditions that are mine?
Especially if so, could you explain to me how I should proceed in my particular case?

I thank you in advance.

Cdlt, Mélissa JOURDAN.

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

Hello

thank you for your interest in Desjardins and well done for your WHP

You can absolutely initiate the procedure on www.desjardins.com/OpenOccount

Then you can finalize it on site in Toronto and take advantage of our welcome offer for newcomers who understand a bank account with unlimited transactions for 12 months among others

More info on Www.desjardins.com/toronto

cordially

Remy paris
Desjardins Europe


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