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Offer for newcomers to Canada
$100 cashback promotion valid until May 5th, 2026
- Up to 3 years with no monthly fees
- Enjoy $100 cashback when you open a chequing account¹
Receive $100 cashback directly in your new account thanks to the partnership between pvtistes.net and National Bank of Canada².
Three simple steps to benefit from the offer
Ready to take advantage of the offer? Open an account on this page
Open an account online
Join the newcomer offer in 3 easy steps
1
Open an Online Account
Fill out the secure form from your country in 5 minutes, up to 90 days before your arrival in Canada.
Fill out the secure form from your country in 5 minutes, up to 90 days before your arrival in Canada.
2
Receive a Confirmation Email
Within a few days, you will receive a confirmation email for your account opening.
Within a few days, you will receive a confirmation email for your account opening.
3
Schedule an In-Branch Appointment
Upon your arrival in Canada, book an in-person appointment to finalize your account opening.
Upon your arrival in Canada, book an in-person appointment to finalize your account opening.
Take advantage of this offer and get much more than just a bank account!
Because we understand your reality, we are offering you a range of services that meet the needs of newcomers.
Perfect if you’re looking to:
- Access an international wire transfer service⁴.
- Open an account from your country.
- Make a transfer before you leave.
- Access your funds as soon as you arrive.
- Save on your banking fees.
- Receive guidance before and after you arrive in Canada with our practical guide and from our advisors.
- Access a network of over 2,800 ATMs across the country.
Why choose National Bank of Canada?
Easily open your account online
Fee-free bank account
Enjoy an account with no fixed monthly fees for up to 3 years¹
400 branches
Here to welcome you across Canada
Legal support service
Available 7 days a week (toll-free phone number)⁵
Mastercard®⁶
No credit background required⁷
At a glance
The National Bank of Canada is one of the six largest banks in Canada. It is an integrated group that provides comprehensive financial services to consumers, small and medium-sized enterprises and large corporations in Canada, while offering specialized services worldwide.
National Bank of Canada is:
2.9
millions clients
31,303
employees
471
branches across Canada
2,539
ATMs
As of May 6th, 2025. Source: 2024 Durability Report.
Commitment and Impact
The sustainability of National Bank
Sustainability is an integral part of our strategic planning. We take environmental, social, and governance (ESG) issues into account in our operational and business decisions.
-
Environement: We are working to develop a green economy
-
Social: We enrich communities
-
Governance: We govern according to the highest standards
Q&A
Details and conditions of the $100 cashback offer
This offer is valid until May 5th, 2026.
During the promotion period, open a first chequing account as the main account holder using the redirection link on this page and sign up for the offer for newcomers.
Within 150 days of opening the chequing account and signing up for the eligible package/offer, complete the following 3 steps:
- Sign up for online banking
- Carry out 10 eligible transactions, including:
- Debit card purchases
- Bill payments using your online banking or the National Bank mobile app.
The following transactions are excluded:
Refund of purchases (Interac®)
Reimbursement of fees
Flat monthly fee
Account handling charges
- Maintain this package for newcomers for at least 120 days after opening the new chequing account.
You must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, Personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months.
Other conditions:
- You can receive only one cashback for this chequing account.
- You must be at least 18 years old when you open the new chequing account through our digital solutions.
- You need to keep the new chequing account for at least 12 months starting when the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period still remaining.
- You must keep your National Bank chequing account in good standing until the cashback is deposited into the new chequing account. For the purpose of this promotion, a chequing account is not in good standing if:
- It is overdrawn, meaning it has an unauthorized negative balance.
- It has been used in an inappropriate, unauthorized, illegal or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
- You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
- This promotion may be modified or withdrawn without prior notice.
- This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.
During the promotion period, open a first chequing account as the main account holder using the redirection link on this page and sign up for the offer for newcomers.
Within 150 days of opening the chequing account and signing up for the eligible package/offer, complete the following 3 steps:
- Sign up for online banking
- Carry out 10 eligible transactions, including:
- Debit card purchases
- Bill payments using your online banking or the National Bank mobile app.
The following transactions are excluded:
Refund of purchases (Interac®)
Reimbursement of fees
Flat monthly fee
Account handling charges
- Maintain this package for newcomers for at least 120 days after opening the new chequing account.
You must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, Personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months.
Other conditions:
- You can receive only one cashback for this chequing account.
- You must be at least 18 years old when you open the new chequing account through our digital solutions.
- You need to keep the new chequing account for at least 12 months starting when the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period still remaining.
- You must keep your National Bank chequing account in good standing until the cashback is deposited into the new chequing account. For the purpose of this promotion, a chequing account is not in good standing if:
- It is overdrawn, meaning it has an unauthorized negative balance.
- It has been used in an inappropriate, unauthorized, illegal or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
- You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
- This promotion may be modified or withdrawn without prior notice.
- This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.
When will the cashback be paid to your chequing account?
Consult the following table for the cashback payment date, if you meet the eligibility criteria. This is based on the date the chequing account was opened.
How long does it take to receive a debit card?
The debit card is issued during your first appointment at an advisory center.
The delivery time for a credit card is 5 to 7 business days if you apply online, and 7 to 10 business days if you fill out a paper form at one of our branches.
The delivery time for a credit card is 5 to 7 business days if you apply online, and 7 to 10 business days if you fill out a paper form at one of our branches.
Details and conditions of the bank account
Your first transfer of funds to National Bank of Canada must be a bank-to-bank transfer. You cannot use a money transfer service. National Bank of Canada charges $15 to receive funds from abroad (your French or Belgian bank may also charge transfer fees).
Minimum savings of $334.92 over 3 years
You can save at least $334.92 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account and
- sign up for the Newcomers to Canada package
$334.92 savings over 3 years:
- Year 1: No flat monthly fee (save $15.95/month for 12 months)
- Year 2: A flat monthly fee of $7.98 instead of $15.95 (save $7.97/month for 12 months)
- Year 3: A flat monthly fee of $11.96 instead of $15.95 (save $3.99/month for 12 months)
The monthly fee of $15.95 for your banking package will be charged as of the fourth year. To be eligible for this savings, you must maintain the account and package for at least 36 months. You will no longer qualify for the discount if you don’t keep these products.
Maximum savings of $671.30 over 3 years
You can save up to $671.30 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account
- Sign up for the Newcomers to Canada package
- During the first year after you sign up for the Newcomers to Canada package
- Apply for and activate a qualifying personal National Bank Mastercard® credit card3
- Sign up for eStatements
During the second and third years after you sign up for the Newcomers to Canada package:
- Set up direct deposit in your National Bank account and receive your salary in the account at least once a month or
- Make at least two electronic bill payments monthly from this account.
The $671.30 savings over 3 years means the following fees will not be charged:
- The flat monthly fee for the Newcomers to Canada package for 3 years ($15.95/month for 36 months)
- The fee for your first order of cheques ($67.10/order)
- Account statements by mail free of charge for the first year ($30)
- The monthly fee of $15.95 for your banking package will be charged as of the fourth year.
Decrease of the savings
- To benefit from the full savings amount, you must maintain all those products and services and carry out the qualifying transactions for at least 36 months, unless otherwise indicated. If you don’t meet the conditions of the offer, your savings will be lower. If you don’t make your first cheque order, your savings will be lower.
Furthermore, if during any given month, you maintain your account and package but you don’t maintain one of the other products and services or if you don’t carry out the required transactions (for example if you make one bill payment instead of two), the Bank will charge you the service fee for the month. The monthly fee will be $7.98/month the second year and $11.96/month the third year. You will still benefit from a discount of $7.97/month the second year and $3.99/month the third year.
Finally, if you no longer have the account or the package you will no longer be eligible for the savings
Minimum savings of $334.92 over 3 years
You can save at least $334.92 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account and
- sign up for the Newcomers to Canada package
$334.92 savings over 3 years:
- Year 1: No flat monthly fee (save $15.95/month for 12 months)
- Year 2: A flat monthly fee of $7.98 instead of $15.95 (save $7.97/month for 12 months)
- Year 3: A flat monthly fee of $11.96 instead of $15.95 (save $3.99/month for 12 months)
The monthly fee of $15.95 for your banking package will be charged as of the fourth year. To be eligible for this savings, you must maintain the account and package for at least 36 months. You will no longer qualify for the discount if you don’t keep these products.
Maximum savings of $671.30 over 3 years
You can save up to $671.30 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account
- Sign up for the Newcomers to Canada package
- During the first year after you sign up for the Newcomers to Canada package
- Apply for and activate a qualifying personal National Bank Mastercard® credit card3
- Sign up for eStatements
During the second and third years after you sign up for the Newcomers to Canada package:
- Set up direct deposit in your National Bank account and receive your salary in the account at least once a month or
- Make at least two electronic bill payments monthly from this account.
The $671.30 savings over 3 years means the following fees will not be charged:
- The flat monthly fee for the Newcomers to Canada package for 3 years ($15.95/month for 36 months)
- The fee for your first order of cheques ($67.10/order)
- Account statements by mail free of charge for the first year ($30)
- The monthly fee of $15.95 for your banking package will be charged as of the fourth year.
Decrease of the savings
- To benefit from the full savings amount, you must maintain all those products and services and carry out the qualifying transactions for at least 36 months, unless otherwise indicated. If you don’t meet the conditions of the offer, your savings will be lower. If you don’t make your first cheque order, your savings will be lower.
Furthermore, if during any given month, you maintain your account and package but you don’t maintain one of the other products and services or if you don’t carry out the required transactions (for example if you make one bill payment instead of two), the Bank will charge you the service fee for the month. The monthly fee will be $7.98/month the second year and $11.96/month the third year. You will still benefit from a discount of $7.97/month the second year and $3.99/month the third year.
Finally, if you no longer have the account or the package you will no longer be eligible for the savings
Is it possible to open a joint account and still receive the $100 CAD?
No, it is not possible to receive the $100 CAD if you open a joint account.
To take advantage of this deal, is it mandatory to use the pvtistes.net link?
To open your account, you must click on the National Bank link provided by pvtistes.net. If you do not use this link or if you go directly to a branch, you will not receive the $100 offer.
Legal disclaimers
® National Bank of Canada and the National Bank of Canada logo are registered trademarks of National Bank of Canada.
™ National Bank Assistance Network is a trademark of National Bank of Canada used under licence by authorized third parties.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.
1. You can take advantage of the Offer for Newcomers if you immigrated to Canada within the past 5 years. For full offer terms and conditions, see the "Details and conditions of the offer" section. The Bank may modify, extend or withdraw the offer at any time without notice. The offer may not be combined or used with any other National Bank offer, promotion or benefit. Fees may apply for transactions not included in the Offer for Newcomers. For details of transaction fees, see the Fee Guide [PDF].
2. Certain conditions apply. Visit the Conditions of the $100 cashback offer for details.
3.
- Be a newcomer aged 18 or older
- Apply to open an account from your home country or within 5 years of arriving in Canada
- Be the sole user of the account
4. The Mastercard® and Interac® International Transfer service is available at a cost of $5.95 per transaction, regardless of the account you hold. The amount received by the recipient may differ from the amount sent, as intermediary or recipient banks may deduct their fees directly from the original transfer amount. This service allows you to send money to the United States, India, the Philippines, the United Kingdom, and the following 19 countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain.
5. The telephone assistance service offered by National Bank Assistance Network™ is available for 12 months from your account opening date. The content of the packages and terms described are subject to change.
6. Financing subject to credit approval by National Bank. Certain conditions apply. Eligible credit cards: mycredit®, MC1, Allure, Syncro, Platinum, Echo Cashback, World and World Elite.
7. A security deposit may be required under certain circumstances.
™ National Bank Assistance Network is a trademark of National Bank of Canada used under licence by authorized third parties.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.
1. You can take advantage of the Offer for Newcomers if you immigrated to Canada within the past 5 years. For full offer terms and conditions, see the "Details and conditions of the offer" section. The Bank may modify, extend or withdraw the offer at any time without notice. The offer may not be combined or used with any other National Bank offer, promotion or benefit. Fees may apply for transactions not included in the Offer for Newcomers. For details of transaction fees, see the Fee Guide [PDF].
2. Certain conditions apply. Visit the Conditions of the $100 cashback offer for details.
3.
- Be a newcomer aged 18 or older
- Apply to open an account from your home country or within 5 years of arriving in Canada
- Be the sole user of the account
4. The Mastercard® and Interac® International Transfer service is available at a cost of $5.95 per transaction, regardless of the account you hold. The amount received by the recipient may differ from the amount sent, as intermediary or recipient banks may deduct their fees directly from the original transfer amount. This service allows you to send money to the United States, India, the Philippines, the United Kingdom, and the following 19 countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain.
5. The telephone assistance service offered by National Bank Assistance Network™ is available for 12 months from your account opening date. The content of the packages and terms described are subject to change.
6. Financing subject to credit approval by National Bank. Certain conditions apply. Eligible credit cards: mycredit®, MC1, Allure, Syncro, Platinum, Echo Cashback, World and World Elite.
7. A security deposit may be required under certain circumstances.
209 Reviews
Please leave your feedback or ask questions
I recommend BNC because I had an appointment during the day to open an account and left with my debit card the same day. I received my credit card 1 week after my appointment which is still fast.
There are many BNC branches in all provinces which is not the case with some banks.
3 years of free banking fees which is also a plus.
Hello,
I’m very surprised to discover that the offer actually ends after two years. See the email I received this week:
The promotion applicable to the second year of your banking plan for newcomers will end on October 18, 2025.
After this date, your fixed monthly fees will be $11.96 for the next 12 months (a 25% discount).
Has the three-year fee-free offer expired, or what?
You might as well change banks with such monthly fees.
Hello Marie,
Thank you for your feedback regarding the banking offer for newcomers to the National Bank of Canada.
The “up to 3 years with no fixed monthly fees” offer is real, but it is conditional on certain actions and the retention of specific products for the entire duration of the offer. Here are the highlights:
1st year: No fixed monthly fees (savings of $15.95/month).
2nd year: Fees reduced to $7.98/month (instead of $15.95).
3rd year: Fees reduced to $11.96/month (instead of $15.95).
To benefit from these discounts, you must:
1- Open a bank account at one of our branches
2- Sign up for the Newcomer Offer
Before the end of the first year following your Newcomer Offer:
– Sign up for and activate an eligible National Bank Mastercard personal credit card.
– Sign up for electronic bank statements.
During the second and third years following your Newcomer Offer:
– Register your payroll deposit to the bank account you hold at one of our branches, and have your payroll deposited at least once a month; or
Pay at least two bills electronically per month from this bank account.
If these conditions are not met at any time, the monthly fees will be adjusted accordingly, as indicated in the email you received.
We invite you to review the full terms and conditions of the offer.
Please feel free to contact us if you have any questions or would like to review your situation.
I remain available via Private Message if you have any additional questions.
Vanessa Rodriguez
National Bank of Canada
Hello,
My partner and I arrived in Canada in March 2025. We each opened an account at NBC as part of the Working Holiday Visa offer. However, to date, we have still not received the $100 bonus provided for in this offer.
To the best of my knowledge, we followed all the required steps when opening an account at a branch. Could you please advise us on how to resolve this situation?
Thank you in advance for your assistance.
Thank you,
Hello Sébastien 🙂 We can verify the information in your file. You can write to us privately via Facebook Messenger, or call us at 1-888-835-6281. We look forward to hearing from you!
Me neither, they are mythos, pardon the expression, this bonus does not exist but they will do everything not to give it. I am in a similar situation.
Hello, @Mo, I just wrote to you in PM
Hi Sébastien, Vanessa sent you a PM. Don’t hesitate to contact her. If you did everything correctly, you’ll get the $100 🙂
Mo, be careful not to mix everything up. You didn’t benefit from our offer because you switched to another offer that isn’t related to us…
Hello,
I’ve been in Canada since the beginning of June. I opened my account in May 2025, and I still haven’t received the $100. However, I think I followed all the conditions mentioned in order to receive this bonus. I was wondering if this was normal?
Thank you for your reply 🙂
Hello Jeremy 🙂 It may take a few months, but we will be able to verify the information on your profile. You can write to us via Facebook Messenger privately, or call us at 1-888-835-6281. We look forward to hearing from you!
I opened my BNC account using the PVTiste link in May 2025. I was entitled to a $200 welcome offer under certain conditions. My advisor at the St Jacques Street branch in Montreal wanted to offer me an even better offer. I never received a welcome offer, the latter no longer responds, I tried to contact the branch numerous times via form, via my space and via email. It’s been 4 months since I received an answer to my questions. The branch is not responding. I find it shameful. Don’t go to this bank if you just want follow-up. Even France is better at this. That’s saying something.
Shame on PVTIs too for making such deceitful partnerships. Truly shameful.
Hello Mo! Thank you for taking the time to share your situation with us. The Working Holiday Visa offer includes a cash rebate of up to $100.
I’m truly sorry for the difficulty you had reaching your branch. If you’d like to follow up on an additional rebate promised when you opened your account, please feel free to write to us privately via Facebook Messenger. We’d be happy to look into it with you!
@NationalBankCanada -> The offer in March was $200, not $100. Another -little- lie from you.
Hello,
Thank you for taking the time to share your experience. We are sincerely sorry to hear that your account opening with the National Bank of Canada did not meet your expectations, and we fully understand your frustration.
Regarding the welcome offer related to the partnership with PVTistes, we would like to assure you that our intention remains to respect the announced conditions and to provide you with a service that meets your expectations. We regret that you were unable to receive a response from our Saint-Jacques Street branch, and we take your message very seriously.
We would like to inform you that the offer agreed upon with PVTistes has been maintained at CAD 100 for several years. To better understand your situation, could you please tell me the exact offer presented to you at the branch?
To review your file in more detail and provide you with a quick solution, please send your contact information (full name, date of birth, and account opening date) to the following address: [email protected].
Please rest assured that we will do everything possible to clarify the situation and provide you with personalized follow-up as quickly as possible.
We thank you for your patience and hope to regain your trust.
Have a nice day,
Vanessa
Hello, I registered online. The service is very fast, including booking an appointment at the branch.
Do you have the number for the Support Service, please, in case we have any questions?
Thank you very much.
Hello, I registered online. The service is very fast, including booking an appointment at the branch.
Do you have the number for the Support Service, please, in case we have any questions?
Thank you very much.
Hello,
The newcomer support service is available 7 days a week at 00 1 514 285 5257.
You can also find more information by visiting the following page: https://www.bnc.ca/particuliers/comptes/nouveaux-arrivants/accompagnement-nouveaux-arrivants.html
Hoping everything is at your convenience,
Have a nice day,
Vanessa
Hello Vanessa, thank you very much for the feedback.
Have a nice day too.
Hello,
I opened the account online via the link. Now I want to make a transfer, but I don’t have any information. I called after a long wait and was told that I could finally deposit money, but I couldn’t get any documents to present to the immigration officer! I must have misunderstood the information I read on the platform!
Can you please clarify or help me?
Hello,
First of all, did you receive a confirmation email with an attached document to open with your reference number?
If so, you have all the information on this document.
Once the funds are in your account, you will receive a deposit confirmation by email.
If you haven’t received anything, please contact me by private message.
Have a nice day,
Vanessa
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