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Offer for newcomers to Canada
$100 cashback promotion valid until June 29th, 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.
1
Open your account online
Up to 5 years after your arrival in Canada, complete our online application form in under 5 minutes.
Up to 5 years after your arrival in Canada, complete our online application form in under 5 minutes.
2
Receive your debit card and enjoy your benefits
Once your account is open, you'll receive an email with your account details. Your debit card will then be sent to you by mail.
Once your account is open, you'll receive an email with your account details. Your debit card will then be sent to you by mail.
1
Fill out our online form
It's quick and secure. In 5 minutes, complete the first step of opening your account. You can do it right now, up to 90 days before your arrival in Canada.
It's quick and secure. In 5 minutes, complete the first step of opening your account. You can do it right now, up to 90 days before your arrival in Canada.
2
Watch your inbox
In the following days, you'll receive an email confirming your application. Keep it safe. Once your account is open, you'll be able to transfer money into it and use it when you arrive.
In the following days, you'll receive an email confirming your application. Keep it safe. Once your account is open, you'll be able to transfer money into it and use it when you arrive.
3
Book an appointment on arrival
Once in Canada, simply book a branch appointment to finalize the opening of your account and receive your card.
Once in Canada, simply book a branch appointment to finalize the opening of your account and receive your card.
4
Make the most of your branch visit
By preparing for your appointment and learning about current offers, you increase your chances of getting the best benefits for your situation. Feel free to ask any questions while you're there.
By preparing for your appointment and learning about current offers, you increase your chances of getting the best benefits for your situation. Feel free to ask any questions while you're there.
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 June 29th, 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 150 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 150 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.
| Opening date of the new chequing account: | Date of deposit of the cashback into the new chequing account: |
|---|---|
| Between November 5 and November 30, 2025 | Cashback deposited to the account by June 15, 2026 |
| Between December 1 and December 31, 2025 | Cashback deposited to the account by July 15, 2026 |
| Between January 1 and January 31, 2026 | Cashback deposited to the account by August 15, 2026 |
| Between February 1 and February 28, 2026 | Cashback deposited to the account by September 15, 2026 |
| Between March 1 and March 31, 2026 | Cashback deposited to the account by October 15, 2026 |
| Between April 1 and April 30, 2026 | Cashback deposited to the account by November 15, 2026 |
| Between May 1 and May 31, 2026 | Cashback deposited to the account by December 15, 2026 |
| Between June 1 and June 30, 2026 | Cashback deposited to the account by December 15, 2026 |
| Between July 1 and July 31, 2026 | Cashback deposited to the account by January 15, 2027 |
| Between August 1 and August 31, 2026 | Cashback deposited to the account by February 15, 2027 |
| Between September 1 and September 30, 2026 | Cashback deposited to the account by March 15, 2027 |
| Between October 1 and October 31, 2026 | Cashback deposited to the account by April 15, 2027 |
| Between November 1 and November 3, 2026 | Cashback deposited to the account by May 15, 2027 |
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.
214 Reviews
Please leave your feedback or ask questions
Hello,
I opened an account with you from France, and the lady who contacted me to make an appointment to open the account told me that I could not make a transfer to the account until the appointment you in branch had not been done.
Is this normal? Has the offer changed?
Thanks
Hello,
You always have the option of making a first and only transfer of funds from your account in France to your account opened at the BNC.
However, you really have to make the transfer from your bank in France to your account in Canada. For the 1st transfer we do not accept transfers via Wise or any other service provider for security reasons.
If you need additional information you can contact me by private message.
Have a good day,
vanessa
Hello,
Is the BNC sufficiently present in Vancouver? Can I find several branches?
Thanks
Hello Adrian,
Yes the National Bank is present in Vancouver. You can find the branch that suits you from our website: https://locateur.bnc.ca/?branch&atm
I hope everything is to your liking.
Have a good day,
vanessa
Hello, I have taken the steps, I have received the confirmation email indicating the opening of the account within the BNC and I was waiting for an adviser to call me in order to set the appointment for finalize the account when I arrive in Canada. A counselor called me earlier but I missed the call. The person left me a message for me to contact them again but it does not work for me. Is it possible to be contacted by email? I can’t find any information on the site…
Hello,
I did the account opening procedure, everything went well, I received an email confirming the opening of my account. But after nothing, no contact, is it up to me to contact my agency in order to have an advisor?
Thanks
Hello,
I thank you for your message.
No fear, you can go directly to a branch in Canada for your identification.
If you wish to have more information, do not hesitate to write to me via private message.
Have a good day,
Hello,
After the opening of my account I had contact with a person from the BNC asking me to contact them for an appointment but after my emails sent I did not hear back from them and I wish to obtain my card to create my bank history during my first 10 days of vacation there
could you help me ?
thank you
Hello Brice,
I invite you to contact me by private message so that I can accompany you.
Thanks,
vanessa
Hello,
I want to open a BNC account before my departure and I have a few questions:
– I am asked for my NIF except I am attached to the tax household of my parents so I do not have this number since I have never made a declaration. What is the solution ?
– After opening the account remotely, is it possible to transfer the agent? (e.g. Wise solution)?
– I would like to have an appointment with an advisor on the day of my arrival. Is it possible to book an appointment remotely?
Cordially
Hello,
Thank you for your interest in National Bank of Canada.
In order to go into more details, I invite you to contact me by private messaging so that I can accompany you as best as possible.
Thanks
vanessa
Hello,
I received my PVT, I pre-opened an account on your site before leaving for Canada. No one contacted me to make an appointment there. Once there, I went directly to the branch in Toronto (my arrival city). I was able to finalize the opening, have a debit card but no credit because I had to come back to see them once I have a fixed address. It’s been 1 month now that I struggle to get this credit card, I found a job, I had to be absent several times to be able to apply for my card without success. Almost no one answers the phone. I finally managed to make the request with a consultant in a branch but was immediately refused by email the next day!!!! They tell me afterwards that I have to make a deposit to finally be able to have a credit card. So I go AGAIN to my branch, not knowing what to answer, they ask me to come back in 1 hour.
I’m at my wit’s end, be very careful which bank you choose. Not having a credit card prevents me from accessing certain services and making my credit score. It is unacceptable.
Hello Sir,
I’m sorry to hear you’re having trouble with National Bank.
Please accept our apologies for the inconvenience caused.
In order to better understand the situation and to meet your expectations as soon as possible, I invite you to contact me by private message so that we can quickly find a solution.
I remain at your disposal,
Good for you,
vanessa
Hello, I would like to open an account with the BNC, I don’t know exactly how long I will stay in Canada, if I benefit from free the 1st year but let’s say I decide to leave Canada after 6 months, I can close my account free of charge? Thanks
Hello Matilda!
That’s not a problem? Don’t hesitate to write to us in private if you ever have any other questions! We are here to help you!
Hello, we opened an online account on June 29 and have still not been contacted. We will have to set up a transfer for our future accommodation and also take out home insurance, but for the moment we are stuck. Do you know what the current deadlines are for being contacted again? Thanks in advance
Hello Elodie!
I invite you to write us a private message or contact us on Facebook Messenger. We will be able to help you?
Hello,
I opened an account remotely by choosing the Winnipeg branch, I got my account number by email, however no one called me to get an appointment. Currently, I am in Canada for vacation and I would like to make an appointment to activate my account and order my card. How do I get an appointment?
Thank you, Paul.
Hello,
Can you write to me by private message so that I can give you a personalized answer.
Thank you and good day,
vanessa
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