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Offer for newcomers to Canada
$100 cashback promotion valid until November 4th 2025.
- 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
Check that you are eligible³.
2
Open your account online on this page.
3
Receive $100 after meeting the offer conditions outlined in this tutorial.
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 condition 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 $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
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.
Conditions of the $100 cashback offer
This offer is valid until the 4th of November 2025.
This offer is intended for readers 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.
When will the cashback be paid?
The cashback will be paid to the new chequing account no later than 210 days after the account is opened.
Eligibility conditions
- Open a chequing account during the promotion using the redirection link on one of our partners' sites.
- Sign up for The Connected® package or our exclusive offer for newcomers and keep this package or offer for at least 150 days after the chequing account is opened.
- Be the main holder of the account.
- Sign up for online banking and online bank and tax statements within 150 days of opening the chequing account.
- Carry out 10 eligible transactions over 2 consecutive months after opening the new account.
Eligible transactions are:
- Debit card purchases
- Transfers or payments to a National Bank MasterCard using My online bank or the National Bank mobile app
- Bill payments using My online bank or the National Bank mobile app.
- Must not have had a National Bank chequing account in the past 24 months.
*** Clients must meet these conditions within 150 days of opening a new account. ***
Exclusions
- Persons who have not reached the age of 14 at the time the account is opened
- Employees of National Bank and its subsidiaries and entities
- Clients who have benefitted from a cashback offer on their chequing account since April 1st, 2022
Other conditions
- Clients can receive only one cashback for this chequing account.
- Clients must be at least 14 years old when they open their account and sign up for The Connected® package, or at least 18 years old when they open their account and sign up for our exclusive offer for newcomers.
- Clients need to keep the chequing account for at least 12 months starting when the account is opened. If they don't meet this condition, they'll have to reimburse a portion of the cashback corresponding to the period still remaining.
- Clients must keep their chequing account in good standing for 150 days after the account is opened by complying with the conditions set out in the Deposit Account Agreement. For example, clients need to pay the monthly fees of the chequing account when applicable.
- Clients must not be employed by National Bank or one of its subsidiaries.
- This promotion may be modified or withdrawn without prior notice.
This promotion can’t be combined with any other promotion applicable to eligible chequing accounts, an exclusive offer or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage loan insurance or investment promotion.
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.
This offer is intended for readers 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.
When will the cashback be paid?
The cashback will be paid to the new chequing account no later than 210 days after the account is opened.
Eligibility conditions
- Open a chequing account during the promotion using the redirection link on one of our partners' sites.
- Sign up for The Connected® package or our exclusive offer for newcomers and keep this package or offer for at least 150 days after the chequing account is opened.
- Be the main holder of the account.
- Sign up for online banking and online bank and tax statements within 150 days of opening the chequing account.
- Carry out 10 eligible transactions over 2 consecutive months after opening the new account.
Eligible transactions are:
- Debit card purchases
- Transfers or payments to a National Bank MasterCard using My online bank or the National Bank mobile app
- Bill payments using My online bank or the National Bank mobile app.
- Must not have had a National Bank chequing account in the past 24 months.
*** Clients must meet these conditions within 150 days of opening a new account. ***
Exclusions
- Persons who have not reached the age of 14 at the time the account is opened
- Employees of National Bank and its subsidiaries and entities
- Clients who have benefitted from a cashback offer on their chequing account since April 1st, 2022
Other conditions
- Clients can receive only one cashback for this chequing account.
- Clients must be at least 14 years old when they open their account and sign up for The Connected® package, or at least 18 years old when they open their account and sign up for our exclusive offer for newcomers.
- Clients need to keep the chequing account for at least 12 months starting when the account is opened. If they don't meet this condition, they'll have to reimburse a portion of the cashback corresponding to the period still remaining.
- Clients must keep their chequing account in good standing for 150 days after the account is opened by complying with the conditions set out in the Deposit Account Agreement. For example, clients need to pay the monthly fees of the chequing account when applicable.
- Clients must not be employed by National Bank or one of its subsidiaries.
- This promotion may be modified or withdrawn without prior notice.
This promotion can’t be combined with any other promotion applicable to eligible chequing accounts, an exclusive offer or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage loan insurance or investment promotion.
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.
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
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
Hello, I just opened my online student bank account for Canada. I would like to have the details of obtaining the bank cards, and also to ask you if I can apply for financial assistance or a scholarship for the fall studies 2021. I am in Ivory Coast currently.
Thank you for helping me.
Hello Renaud, you can get your credit card and apply for financing when you arrive in Canada only, by going to a branch.
Hello, I was able to be part of the Newcomers program from December 2019 until June 2020. Everything was perfect, credit card, perfect customer service etc. When I return to France, I find myself with a monthly fee of $ 7 which corresponds to the monthly fee of the program (obviously, since I no longer used the bank account in Canada, no transaction was made there since I did not ‘was there more physically). I try to close it and I am told that it is necessary to be physically present in a branch (impossible for me to take a plane just to close an account …). Could someone help me? Thank you 🙂
Kimi, first of all, thank you for your testimony. In general, closing an account requires in-person identification, for security reasons. The ideal is to go to one of our branches (any one!) In order to close the account before returning to France or elsewhere.
As for the $ 7.48 fee, they correspond to the offer we made to you: if you do not subscribe to certain products and services (personal credit card, online statement, salary deposit or electronic payment of two bills per month) before the start of the second year, you still get a 50% discount on the banking package (which corresponds to $ 7.48).
Of course, given the current situation, and since I want to help you, I invite you to write to me in private so that I can give you the coordinates (email, phone) of your branch. It will be possible to close the account by making sure to validate your identity. Thank you!
^ Julien
Hello, I am trying to register but I cannot find the nearest bank to my future accommodation in the proposed branches.
BANK ABSOLUTELY AVOID !!
This bank does not allow you to have a Mastercard credit card.
I had to take 2 days off to go to the agency to fill out the form twice because their employee was not able to do it remotely.
After 2 weeks, I receive a letter from mastercard saying that I do not meet the criteria although I have a fairly decent salary paid on it every month in addition to the 5-digit Transfermate deposit.
In addition, you have a limit of 3000 dollars per day so impossible to buy a car in 1 day … (or you have to go to the agency during working hours, still pay for a bank check)
Fortunately, I kept my French bank. So go to RBC or TD, the customer service is much better.
Hello Sylvain. I’m sorry the experience did not live up to your expectations. Customers generally have the option of applying for a credit card directly online (https://www.bnc.ca/particuliers/cartes-credit-mastercard.html), but your presence may be required to reasons for identification. Regarding the refusal letter, I suggest you contact the number that appears therein to find out the exact reasons for such a decision. Finally, for security reasons, the limit is indeed set at $ 3000 outside per day; the purchase of a car is usually paid for by a bank draft, which can be given to you in just a few minutes at any branch.
Please do not hesitate to get back to me if you have more questions. ^ Julien
Hi Sylvain,
To buy a car, in general you can ask for a certified check in the banks and it is obtained in 10 minutes;)
Hello,
I filled the form online, no more success because you need an identification, it is for this reason that I had to go to an agency.
And the agent was not able to do better, twice!
(1 time in Toronto and 1 time in Kitchener)
As for the Mastercard number, after 30 minutes of waiting, I gave up.
I find it abnormal that it is my role to call the Mastercard service and not your agent to solve this problem?
Hello,
I filled the form online, no more success because you need an identification, it is for this reason that I had to go to an agency.
And the agent was not able to do better, twice!
(1 time in Toronto and 1 time in Kitchener)
As for the Mastercard number, after 30 minutes of waiting, I gave up.
I find it abnormal that it is my role to call the Mastercard service and not your agent to solve this problem?
Hello,
Just a little check: it’s not possible to take advantage of this offer if we ever want to use this account as a joint account, right?
Thanks in advance 🙂
Indeed, you must be the only user of the account.
Hello, I have two questions in order to complete the already very comprehensive information you have given:
– What is considered an “eligible transaction” in order to benefit from the $ 50 rebate?
– After making a first cash deposit in the account, can I make a transfer via TransferWise or TransferMate? Or does the first transfer, even after making a cash deposit, have to go through a financial institution?
Thanks in advance for you answers.
Hello Isabelle, an eligible transaction is any transaction that is not a bank charge.
You will be able to make a transfer from your Canadian bank account only after you arrive in Canada, the opening must be completed in person for you to be able to make a transfer. You can then use the platform of your choice.
So if I understand correctly, if I paid, for example, to top up my Opus transport card, this is considered a transaction. Thank you for your reply.
Exactly, the payment of the opus card is considered a transaction.
-Seb
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