Offer for newcomers to Canada
Benefit from :
Special offer*
  • $100 cashback when you open a chequing account
  • Up to 3 years with no monthly fees
Open an account online

* The $100 cashback promotion is valid from the 23rd of January 2023 to the 23rd of May 2023.

National Bank of Canada has the perfect offer to help you settle in.

National Bank of Canada is not a registered bank in France.
Why choose National Bank of Canada?

Easily open your account online from your country

400 branches

available across Canada

No flat monthly fees

for up to 3 years1

Mastercard® credit card3

with no credit history required4

No commitment: you can close your account at any time, with no penalties.

And that’s not all! We are also offering you a welcome gift.

You will also receive $100 cashback directly in your new account thanks to the partnership between pvtistes.net and National Bank of Canada.6

Four simple steps to benefit from the offer:

1

Check that you are eligible.1

2

Open your account online on this page.

3

Make a transaction, you'll receive $100 in your new National Bank of Canada account!

Ready to take advantage of the offer? Open an account on this page.

Open an account online

Example of a Journey to take advantage of the Offer for Newcomers to Canada*

* For information purposes only
2 months before arrival

Open your account online with National Bank of Canada.

1 month before arrival

Do you have any questions about life in Canada?

Just call the free telephone assistance service!

Upon arrival in Canada

National Bank of Canada welcomes you!

8 months after arrival

Are you thinking of applying for permanent residency and have questions?

Be sure you are ready with the free telephone assistance service.

2 years after arrival

Your advisor will continue to support you.

They will continue to give you sound banking advice and will take care of your loan and investment applications.

Take advantage of this offer and get much more than 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:

  • Open an account online from your country
  • Make a transfer before you leave
  • Access your funds as soon as you arrive
  • Save on banking fees
  • Build your credit history
  • Receive guidance before and after you arrive in Canada with our telephone assistance service and from one of our advisors
  • Buy a car or real estate in Canada5

Discover our online tools

At a glance
National Bank of Canada is one of the six systemically important 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 elsewhere in the world.
National Bank of Canada is:
  • 2.7 millions clients
  • 26,428 employees
  • 471 branches across Canada
  • 1643 automated banking machines

As at July 31, 2021. Source: Investor Fact Sheet, 3rd quarter

It is also an institution committed to having a positive impact on people’s lives.
Our ESG principles:
  • Environment: We are working to develop a green economy
  • Social: We enrich communities
  • Governance: We govern according to the highest standards

Consult the Social Responsibility Report

Conditions of the $100 cashback offer

This promotional offer is valid from November 1, 2019 to October 31, 2023.
This offer is intended for members of pvtistes.net who don’t have an account with National Bank of Canada.

To qualify for this offer, you must open a chequing account on pvtistes.net and sign up for the Offer for Newcomers to Canada during the promotional period.

The offer may be modified, extended or withdrawn without prior notice at any time.

The offer may not be combined or used with any other National Bank offer, promotion or benefit and cannot be applied retroactively. There is a limit of one cashback per eligible product during this promotion. The offer can only be applied once for each type of product. Only the primary account holder is eligible for the offer. Current additional holders of a joint account who open a new account will not be eligible for this offer.

Cashback details

Chequing account offer

To qualify for the chequing account offer and get $100 cashback, you must open a new chequing account that is part of the Offer for Newcomers to Canada and meet the conditions of the offer.

Conditions

You must:

  • Be eligible for this Offer for Newcomers to Canada
  • Sign up for our online banking service and eStatement service on pvtistes.net.
  • Carry out a qualifying transaction. (Interest and banking fees charged to the account are not considered transactions).

After the account is opened, you have 120 days to meet all cashback offer requirements.

The cashback will be deposited into your National Bank chequing account within 150 days of the account being opened.

Commitment

To receive the cashback, you must meet the conditions of the offer, maintain the eligible products and services, and not make any changes to these products and services for a minimum of 12 months from the time you sign up for them. If you do not meet this condition, you will have to refund National Bank of Canada an amount corresponding to the period in which you did not keep your eligible products and services, within 30 days of receiving the request for payment.

Eligibility criteria for the newcomers to Canada offer
  • Be a newcomer to Canada 18 years of age or older
  • Apply to open the account from your home country or within 5 years of your arrival in Canada.
  • Be the sole account holder
Details and conditions of the Offer for Newcomers to Canada

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 $700.02 over 3 years

You can save up to $700.02 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 $700.02 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 ($56.88/order)
  • The rental fee for a small safety deposit box for a year ($68.99/year)

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 or if you don’t rent a small safety deposit box, 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.

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. 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.
  3. 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.
  4. A security deposit may be required under certain circumstances.
  5. Financing subject to credit approval by National Bank. Certain conditions apply.
  6. Certain conditions apply. Visit the Conditions of the $100 cashback offer for details.

114 Reviews

Please leave your feedback or ask questions

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

Hello,

I registered with BNC about 2 months ago, an agent contacted me but “too soon” according to him and they said they would contact me again… I haven’t heard from me as I start work on Monday. I don’t know how to contact them I can’t call them at the moment and my emails remain unanswered, do you know what I can do?

Thanks!

BanqueNationale1
17 0
This review was posted in French. Show original

Hello Louise! I invite you to contact us privately so that we can watch this with you. You can do this via this website or via Facebook Messenger, for example. Goodbye!

Thomas
1 26
This review was posted in French. Show original

Hello,

I have just pre-opened my account on the BNC site.
I would like to know how it is going on the level of the offer of 100$
Will I be credited to my account in the days that follow $100?
Or should I specify during my appointment on site in physics this offer of $ 100 to the advisor?

Also I put a French address on the site during the pre-opening there is no problem?

thank you in advance

BanqueNationale1
17 0
This review was posted in French. Show original

Good morning! If the conditions of the offer are met, you will receive the rebate in your account within 150 days of opening the account. You can actually discuss this during your appointment to make sure everything is in place! For the address, there is no issue at the moment. You can make the change during the appointment! Have a good day!

Thibault
5 7
This review was posted in French. Show original

Hello, I registered for the pre-opening of the account this morning.
I have a small question, before my arrival in Quebec, is it possible that I make a transfer per month in order to be able to use the account as proof of finance of 2500$CA?
Cordially

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

Hello,
Welcome to National Bank of Canada.
You have the possibility of making a single and unique transfer from your bank in France to your account at the BNC before your arrival in Canada. You can send the amount of your choice.
Once identified in a branch in Canada, you can make as many transfers as you wish.
If you want more information, I invite you to contact me by private message.
Have a good day,

gayanina9723
0 2
This review was posted in French. Show original

Hello, I have just opened my account online but it required an address in Canada, so I gave the address of the airbnb where I am currently but at the end of the online account opening a message informs me that the debit card will be sent directly to this address whereas in the comments of the forum it was written that one could recover his means of payment directly in branch. How can I stop sending to the airbnb address and collect directly from the branch? Because I don’t have access to the mailbox and I’m leaving the airbnb this week.

BanqueNationale1
17 0
This review was posted in French. Show original

Good morning! Feel free to send us a message here? https://bit.ly/2BaEDp5 so we can watch this with you?

Grace Nsania
0 1
This review was posted in French. Show original

Hello,

I pre-opened my account on BNC, I was contacted by an advisor but I missed the call and until today I can’t get a person online to get an appointment with an advisor to open my account on my arrival. . Can you help me please

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

Hello,
No worries, you can go directly to the branch without an appointment to identify yourself and collect your means of payment.
If you have any questions, do not hesitate to contact me by PM.
Thank you and good day,

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

Hello, I have to arrive in Montreal in June 2023, I would like to know if you charge fees for transferring money from the account in France to Canada? how much money can we transfer at most?

thank you in advance for your response

BanqueNationale1
17 0
This review was posted in French. Show original

Hello Julien, there is no maximum for the transfer made to an account held with us. As for the applicable fees for receiving an electronic funds transfer, the information can be found in the fee guide available here? https://bit.ly/2NM9ago. Feel free to send us a message if you have any further questions?

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

Hello Julian,
You can pre-open your account online within 3 months before your departure for Canada, when you have pre-opened your account, you will receive your bank details and you can then make a 1st and only transfer of funds from France to Canada from any amount before you arrive on Canadian soil. Please note that these funds must be sent from your bank in France. The fee will therefore be 20 CAD when the funds arrive.
Have a good day,
vanessa

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

Hello, I would have liked to take advantage of the offer for newcomers and open an account at the BNC. When I fill out the form online, I cannot find a branch in Halifax (where I will be living). Is there really no branch there? And if not, what can I do?
Thanks in advance !

BanqueNationale1
17 0
This review was posted in French. Show original

Hello Noemie!

We actually don’t have any branches in this area. However, if you arrive in Canada via Quebec or Ontario, we could assist you in these places to finalize the opening of an account!

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

Thank you for your reply. I am indeed passing through Montreal for a few days upon my arrival so I will be able to finalize the opening at this time. However, since there is a bit of a delay in obtaining your credit card, is it possible to have it sent to your home (in Halifax) or do you have to pick it up at a branch?

BanqueNationale1
17 0
This review was posted in French. Show original

I assure you, the credit card will be sent by post. Do not hesitate to write to us in private message or on Facebook Messenger for your questions. We are here for you! ^Kayla

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

Hello,
My spouse and I would like to open a joint account at the BNC.
However, in the conditions of the newcomers offer it is indicated that only one person must be the beneficiary of the account.
My question is then the following: is it possible to open a joint account and benefit from the new arrivals offer?
Thank you in advance for your help 🙂

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

Hello,
You need to open a bank account each because you both need to build a credit history.
You can then open an independent joint account.
Do not hesitate to contact me by private message if you need clarification or need additional information.
Have a good day,

vanessa

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

I opened my account online and then in a branch in Montreal in July 2022

The welcome was very good, all my questions were answered, there are plenty of BNCs so it makes it easier to deposit with the machines

Difficulties and hiccups to get my credit card and to make the transfers at the beginning which were finally corrected

However, I never received the funds associated with the Bon Plan Pvtistes which was 80 dollars at the time if I’m not mistaken.

Who can I contact? I have already contacted the branch but I don’t know if they have their hands on it

Thanks for your feedback

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

Hello Valerie,
It is a 50 CAD bonus just like currently. The offer has not changed.
Thank you for contacting me by private message so that I can answer you in more detail.
Good for you,
vanessa