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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
Sindy
57 11
This review was posted in French. Show original

Okay, but I realized that I made a mistake when I filled out the request. For the "expiration date" part I put the validity date written on my letter of introduction, while I stay at least 2 years. Is it possible to change this once arrived on site?

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

You will have to specify these elements directly to our team dedicated to newcomers:
- by dialing 001-514 875-4266, option 1
- by writing to [email protected]

Sindy
57 11
This review was posted in French. Show original

Hello,
I made a request to Desjardins to open an account from France, and I received an email which tells me the documents to send to you. But for the part "The address or the district in which you are going to settle, work or study", I block a bit because I don't have any accommodation yet, I just know that I'm going to Montreal. So what should I wear?
Thank you in advance for your answer.

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

Hello,

Thank you for your interest and your trust in Desjardins.
For the field "2- Current residence address": you can indicate your address in France
For "the address or the district in which you are going to settle" you can give the name of a district or part of the city (ex Center Ville)
We will then open the account in a Cashier then we will be able to make the change once you have advanced in your installation for a cashier closer to your place of residence or work.
If you have other Canadian banking questions, we invite you to contact our dedicated team for newcomers directly:
- by dialing 001-514 875-4266, option 1
- by writing to [email protected]

cordially

Rémy PARIS
Individual Market Director

Lauriane
15 2
This review was posted in French. Show original

Hello,

I made the step to open my account on line, and in the return of mail of the bank Desjardins one asks me this to finalize the opening of the account: "For the statutes temporary workers and the permits vacation working: the permit of work, the permit acceptance letter or the complete LMIA including Annex A and B "
My question is: is it the introductory letter that should be sent to them? and is this letter not "confidential" and reserved for immigration?

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

Hello,

Thank you for your interest and your trust in Desjardins.

For section 5.2 Other ID (> Any official document issued by the Government of Canada or by the Government of Quebec as part of your immigration application) Complete the section with information related to your VISA:
- For the type: enter "Work visa"
- For the number: enter the number starting with U, in the box on the second page of the acceptance letter.
- For the place of issue: enter "France"
- For the expiration date: enter the expected end date of your WHP (arrival date + 2 years)

We are a recognized financial institution and respectful of the confidentiality of personal data shared with us.
https://www.desjardins.com/confidentialite/
You can therefore communicate the information to us without fear.

If you have any other questions, we invite you to contact our dedicated team for newcomers directly:
- by dialing 001-514 875-4266, option 1
- by writing to [email protected]

cordially

Rémy PARIS
Individual Market Director

This review was posted in French. Show original

Good morning all. ?
I arrived in Montreal on Monday, I would like to know if I can benefit from the offer despite still going to one of the branches?
Thank you in advance.

Sindy
57 11
This review was posted in French. Show original

Hello,
I would have liked to know if we can benefit from a credit card? Because I heard that we don't have access to it.
Thank you in advance for your answer.

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

Hello,

Thank you for your comment.

You can absolutely benefit from a credit card at Desjardins without any specific conditions.

As you know, a credit card is not mandatory in Canada but highly recommended for:
• To be able to benefit from the VISA or MASTERCARD functions and therefore be able to buy online.
• Being able to quickly build up a Canadian credit history, a precious sesame that opens many doors.
Here is the link to see all the cards offered by Desjardins (with or without fees, VISA or MASTERCARD, ...)
https://www.desjardins.com/particuliers/prets-marges-cartes-credit/cartes-credit/

If you have any other questions, we invite you to contact our dedicated team for newcomers directly:
- by dialing 001-514 875-4266, option 1
- by writing to [email protected]

cordially

Rémy PARIS

Ludovic
15 4
This review was posted in French. Show original

Hello,
    I have just seen the Desjardins offer with its free year .... on the other hand, I do not understand its interest in other offers from competitors .... for example the newcomer offer from the bnc with 3 years free fees .... ??? interesting offer if you do not need a safety deposit box and the gadget of the transport we package offered .... an opinion?
      Another thing, what is the link between a bank and the recognition of driving experience? (interesting only if we take auto insurance with you I guess ??)

   thank you!

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

Hello,

Thank you for your interest in Desjardins and congratulations on your WHP Canada!

As you know, Desjardins offers you much more than a year of unlimited plan for 12 months:
? quick and free simple care before departure
? Savings account with transactions including free unlimited transactions for 1 year
? Small safety deposit box free for 1 year
? Enhanced rate for non-redeemable term savings
? Recognition of years of driving experience that will allow you to have a discount on your auto insurance.
? The ticket corresponds to a “Weekend unlimited”, from Friday at 4:00 p.m. to Monday at 5:00 a.m., from the Société de transport de Montréal, worth $ 13.75.

And after 12 months? Your free checking account continues at Desjardins!
? Once your first 12 months in Canada are over, note that you can continue to benefit from the free of your current account by maintaining a minimum balance on your account:
? Example:
o By maintaining a balance of 1000 CAD on your current account, you can benefit from the free "economic" package
? Find all the packages available at Desjardins from CAD 3.45 per month and the balances necessary to keep them free.
? https://www.desjardins.com/particuliers/comptes-services-relies/forfaits/

For your information, the National Bank offer includes many conditions to keep the package free after the 1st year. I invite you to check it out on their website.

If you have any other banking questions, we invite you to contact our dedicated team for newcomers directly:
? by dialing 001-514 875-4266, option 1
? by writing to [email protected]

cordially

Rémy PARIS
Individual Market Director
Desjardins Europe representative office

Marina
3 0
This review was posted in French. Show original

Hello, I am interested in the Desjardins offer but I see that it was only available until December 31, 2016. Is there a chance that this offer will be extended or renewed quickly? Thank you and good day. Marina

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

Yes it will be renewed very quickly, in any case if you need it now you can enjoy it without worry! Have a good day.

This review was posted in French. Show original

Hello,

Concerning the online opening of an account I am a little blocked at the level "other identity document":
I am first of all not sure of the number of the work visa if it is about "IUC" which appears on the LI or of the number located in a frame "reserved for the internal use" made up of a letter and numbers.
Then concerning the place of issue and the expiration date what to put?
I thank you in advance

This review was posted in French. Show original

Hello,

I have a question about opening an online account with Desjardins. Could you tell me what document you provided to the "other identification document (any official document issued by the government of Canada or by the government of Quebec as part of your immigration application.)"? I am a bit lost and I may turn my LI in all directions, I do not know what to put.
Thanking you!

Mathieu
21.2K 11.2K
This review was posted in French. Show original

Hi Mailys,
If you choose "Work Visa" and put the information of your LI, it does not work?

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 PVT project in Canada!

When opening an online account at www.desjardins.com/OpenCount, for section 5.2 Other ID (> Any official document issued by the Government of Canada or by the Government of Quebec as part of your request immigration)

• If you have your VISA, complete the section with the information related to your VISA:
o For type: enter "Work visa"
o For the number: enter the number starting with U, in the box on the second page of the acceptance letter.
o For the place of issue: enter "France"
o For the expiration date: enter the expected end date of your WHP (arrival date + 2 years)

If you have other banking questions, we invite you to contact our team dedicated to new arrivals directly:
- by dialing 001-514 875-4266, option 1
- by writing to [email protected]

Good success!

Rémy PARIS
Individual Market Director
Desjardins Europe representative office

This review was posted in French. Show original

Good morning,

Before subscribing to this offer, I would like to know if it is possible to make bank transfers between Desjardins and our French bank? I imagine so, but at what cost?

Thank you in advance for your answer :)

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

Hello, yes you can make transfers from all banks to all banks in the world (apart from some, like in Argentina). Either you make a bank to bank transfer, or you make a money transfer (you can consult in our good plans, the page dedicated to Transfermate, which works well with PVTists). It may be interesting to compare the price of a transfer and the exchange rate applied by your bank and Transfermate (for example) and see the most advantageous for you :)


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