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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 share my bad experience with the BNC, because yes there is.
First, I had pre-opened my account via the pvtiste offer, and I never received confirmation of an appointment on site. I had to fight all day to get one.
Then, once there, nobody was aware of this good plan, result it’s been 3 weeks and I’m still waiting for the 50 dollars, and nobody can confirm to me if I would have them one day or not.
It’s not over, by wanting to transfer my money from France to my Canadian account, the funds systematically return to my French account. I had to go to a branch, rent a car (because I do not live in town), which generated a certain number of costs for me to be told that “oops your Canadian account is frozen, we forgot to unlock it “, ok ….
And there I just received my credit card (after 3 weeks!), And could not activate it because it was not registered in my account at the time of the order (unbelievable but true), so I am still in fighting with the BNC to fix the problems. And I am still without a Canadian phone because no credit card, no plan, so hello outside the plan.
Looking back, I regret a little that I chose this bank, because I only have problems.
Hello Méline,
I just told the BNC.
Hello Méline, I’m sorry to read this. It does not reflect the experience we want to offer you.
I’d love to watch this with you and help you sort it out. Please do not hesitate to send us a private message so that I can do so. You can also write to us on messenger here https://bit.ly/2BaEDp5. ^ Federal
Hello guys,
Need your testimony for those who have pre-opened an account at the BNC before arriving, I opened a new account 13 days ago – New arrivals, I had the confirmation email with the indication that in the next 3 days I will receive an email with the confirmation of account opening and all the instructions .. but I have absolutely not received it, is it normal that the delays are longer? Did you also take a long time to receive this email?
Thank you for your help? ☺
Hello, send us a private message. We will validate with you. 🙂
Hello,
The exact same thing happens to me.
Account opened on November 2 with this famous email and since nothing. No emails, no contact or even return emails from people I was advised during a video with the BNC to sell me their services ….
@MaryseBrez I see you wrote to us in private and via Messenger. Rest assured that we can assist you with everything?
Hello, why did he ask us for the TIN? Did I communicate the one from France? For what purposes has this number been useful to you?
Hello ,
I am about to open an online account with the “newcomer” offer However I have a small question about opening online;
> I already have a residence address in Canada for my arrival (August 30), do I have to enter this or my current address in France? This will not have an impact on whether or not to benefit from the “newcomer” formula?
In advance, thank you for your answer
Maëva
Hello,
I am a French student who will be starting his full time masters in September. Your offer is of particular interest to me and so I naturally started to fill out the form for newcomers.
However, I have two questions:
I am asked for a SIN except that I do not have one, do I have to enter my French social security number?
I am also asked for a TIN, but I do not have one because I have never worked, declared taxes and I am attached to my parents’ tax household. What should I do ? Put my father’s NIF?
Regards,
Thomas eyraud
Hello Vanessa,
I am currently in Canada, I have just activated my WHV and I am interested in opening a BNC account. However, I am not sure that I correctly interpreted the following information:
– If I would like to close my BNC account before the end of the period provided for this 3-year welcome promotional offer, what will be the financial consequences for me? Will the offer simply end when my account is closed or will I have to repay the equivalent, not having gone after the 3 year period?
– How many payments (number and maximum amount) in shops and ATM withdrawals are planned for the type of account covered by the promotion?
– Are there any other account closure fees to be expected? (Management fees, etc.)
– I am currently in the small village of Osoyoos for another 4 months, with a simple BNC counter available here. Does this pose a problem for obtaining my payment card?
A big thank you in advance, I hope to be able to proceed with the opening of my account during the day because I will be very busy the next few days!
See you soon,
Vanessa
Hello Vanessa, there is no charge for closing the account. To open an account, you must go to a branch (for identification purposes). You will therefore not be able to open an account from Osoyoos.
Hello Vanessa,
Did you get an answer for your first 2 questions? I ask myself exactly the same. I plan to be in Canada for 2 years and am afraid of having to pay the fixed monthly fee if I cancel at the end of the 2nd year.
Thank you for your help,
Amelie
Hello,
I applied online to open a BNC account and unfortunately discovered the $ 50 offer later. I have already received an email with my account number but I am still in France so the opening is not finalized.
Is it still possible to take advantage of the offer?
Thank you 🙂
Hello Louise? This offer applies automatically only if you open your account from this site. We cannot apply it otherwise. Please do not hesitate to send us a private message if you have any further questions. ^ Federal
Hello, is the free plan and the $ 50 offered still valid? Thank you.
Hello, I am considering opening an account at the BNC for my arrival at the end of June.
Only I go to work for 3 months in Tadoussac and there is only a Desjardins ATM.
If I have to withdraw how much is the charge please?
In advance, thank you for your answer.
Hello Elodie, the fees will then be $ 1.50 per withdrawal. Desjardins could also charge fees for the use of their ATM.
Hello,
I want to open an online bank account from abroad because I will be going to Quebec next July to do a doctorate (3 years). I am going to stay in Amos and I cannot select your branch located in this town when I register. How do I proceed? Also, I would have liked to know if it is possible to obtain a specimen check from a bank account as soon as the account is opened from abroad. I need it as soon as possible in order to be able to transfer my scholarship to my account in Quebec.
Thanks in advance for your reply and have a nice day!
Ana VERHULST-CASANOVA
Hello Ana, not all branches can be selected for opening. You just have to choose the one that is closest and we will make the change when you arrive. You will be given your specimen checks when the branch opening is finalized. I’m here if you have any further questions. ^ Fairy
Thank you for your reply. Could it be possible:
– to carry out a power of attorney so that one of my relatives present in Quebec can go to one of your branches and finalize the request in my name and thus obtain the specimen check?
– obtain the specimen check before arriving in Canada in order to be able to deposit the stock market as soon as the bank account is opened?
In addition, could you tell me what is the “value of assets” that I must declare when opening the bank account?
The opening of an account cannot be finalized by means of a power of attorney. Once your opening request has been completed, you will receive your account information which will allow you to receive a transfer. The value of assets is the amount you hold. If you have any other questions do not hesitate to send us a private message directly Ana, we are here for you. ^ Fairy
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