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Offer for newcomers to Canada
$100 cashback promotion valid until May 5th, 2026
- Up to 3 years with no monthly fees
- Enjoy $100 cashback when you open a chequing account¹
Receive $100 cashback directly in your new account thanks to the partnership between pvtistes.net and National Bank of Canada².
Three simple steps to benefit from the offer
Ready to take advantage of the offer? Open an account on this page
Open an account online
Join the newcomer offer in 3 easy steps
1
Open an Online Account
Fill out the secure form from your country in 5 minutes, up to 90 days before your arrival in Canada.
Fill out the secure form from your country in 5 minutes, up to 90 days before your arrival in Canada.
2
Receive a Confirmation Email
Within a few days, you will receive a confirmation email for your account opening.
Within a few days, you will receive a confirmation email for your account opening.
3
Schedule an In-Branch Appointment
Upon your arrival in Canada, book an in-person appointment to finalize your account opening.
Upon your arrival in Canada, book an in-person appointment to finalize your account opening.
Take advantage of this offer and get much more than just a bank account!
Because we understand your reality, we are offering you a range of services that meet the needs of newcomers.
Perfect if you’re looking to:
- Access an international wire transfer service⁴.
- Open an account from your country.
- Make a transfer before you leave.
- Access your funds as soon as you arrive.
- Save on your banking fees.
- Receive guidance before and after you arrive in Canada with our practical guide and from our advisors.
- Access a network of over 2,800 ATMs across the country.
Why choose National Bank of Canada?
Easily open your account online
Fee-free bank account
Enjoy an account with no fixed monthly fees for up to 3 years¹
400 branches
Here to welcome you across Canada
Legal support service
Available 7 days a week (toll-free phone number)⁵
Mastercard®⁶
No credit background required⁷
At a glance
The National Bank of Canada is one of the six largest banks in Canada. It is an integrated group that provides comprehensive financial services to consumers, small and medium-sized enterprises and large corporations in Canada, while offering specialized services worldwide.
National Bank of Canada is:
2.9
millions clients
31,303
employees
471
branches across Canada
2,539
ATMs
As of May 6th, 2025. Source: 2024 Durability Report.
Commitment and Impact
The sustainability of National Bank
Sustainability is an integral part of our strategic planning. We take environmental, social, and governance (ESG) issues into account in our operational and business decisions.
-
Environement: We are working to develop a green economy
-
Social: We enrich communities
-
Governance: We govern according to the highest standards
Q&A
Details and conditions of the $100 cashback offer
This offer is valid until May 5th, 2026.
During the promotion period, open a first chequing account as the main account holder using the redirection link on this page and sign up for the offer for newcomers.
Within 150 days of opening the chequing account and signing up for the eligible package/offer, complete the following 3 steps:
- Sign up for online banking
- Carry out 10 eligible transactions, including:
- Debit card purchases
- Bill payments using your online banking or the National Bank mobile app.
The following transactions are excluded:
Refund of purchases (Interac®)
Reimbursement of fees
Flat monthly fee
Account handling charges
- Maintain this package for newcomers for at least 120 days after opening the new chequing account.
You must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, Personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months.
Other conditions:
- You can receive only one cashback for this chequing account.
- You must be at least 18 years old when you open the new chequing account through our digital solutions.
- You need to keep the new chequing account for at least 12 months starting when the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period still remaining.
- You must keep your National Bank chequing account in good standing until the cashback is deposited into the new chequing account. For the purpose of this promotion, a chequing account is not in good standing if:
- It is overdrawn, meaning it has an unauthorized negative balance.
- It has been used in an inappropriate, unauthorized, illegal or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
- You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
- This promotion may be modified or withdrawn without prior notice.
- This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.
During the promotion period, open a first chequing account as the main account holder using the redirection link on this page and sign up for the offer for newcomers.
Within 150 days of opening the chequing account and signing up for the eligible package/offer, complete the following 3 steps:
- Sign up for online banking
- Carry out 10 eligible transactions, including:
- Debit card purchases
- Bill payments using your online banking or the National Bank mobile app.
The following transactions are excluded:
Refund of purchases (Interac®)
Reimbursement of fees
Flat monthly fee
Account handling charges
- Maintain this package for newcomers for at least 120 days after opening the new chequing account.
You must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, Personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months.
Other conditions:
- You can receive only one cashback for this chequing account.
- You must be at least 18 years old when you open the new chequing account through our digital solutions.
- You need to keep the new chequing account for at least 12 months starting when the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period still remaining.
- You must keep your National Bank chequing account in good standing until the cashback is deposited into the new chequing account. For the purpose of this promotion, a chequing account is not in good standing if:
- It is overdrawn, meaning it has an unauthorized negative balance.
- It has been used in an inappropriate, unauthorized, illegal or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
- You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
- This promotion may be modified or withdrawn without prior notice.
- This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.
When will the cashback be paid to your chequing account?
Consult the following table for the cashback payment date, if you meet the eligibility criteria. This is based on the date the chequing account was opened.
How long does it take to receive a debit card?
The debit card is issued during your first appointment at an advisory center.
The delivery time for a credit card is 5 to 7 business days if you apply online, and 7 to 10 business days if you fill out a paper form at one of our branches.
The delivery time for a credit card is 5 to 7 business days if you apply online, and 7 to 10 business days if you fill out a paper form at one of our branches.
Details and conditions of the bank account
Your first transfer of funds to National Bank of Canada must be a bank-to-bank transfer. You cannot use a money transfer service. National Bank of Canada charges $15 to receive funds from abroad (your French or Belgian bank may also charge transfer fees).
Minimum savings of $334.92 over 3 years
You can save at least $334.92 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account and
- sign up for the Newcomers to Canada package
$334.92 savings over 3 years:
- Year 1: No flat monthly fee (save $15.95/month for 12 months)
- Year 2: A flat monthly fee of $7.98 instead of $15.95 (save $7.97/month for 12 months)
- Year 3: A flat monthly fee of $11.96 instead of $15.95 (save $3.99/month for 12 months)
The monthly fee of $15.95 for your banking package will be charged as of the fourth year. To be eligible for this savings, you must maintain the account and package for at least 36 months. You will no longer qualify for the discount if you don’t keep these products.
Maximum savings of $671.30 over 3 years
You can save up to $671.30 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account
- Sign up for the Newcomers to Canada package
- During the first year after you sign up for the Newcomers to Canada package
- Apply for and activate a qualifying personal National Bank Mastercard® credit card3
- Sign up for eStatements
During the second and third years after you sign up for the Newcomers to Canada package:
- Set up direct deposit in your National Bank account and receive your salary in the account at least once a month or
- Make at least two electronic bill payments monthly from this account.
The $671.30 savings over 3 years means the following fees will not be charged:
- The flat monthly fee for the Newcomers to Canada package for 3 years ($15.95/month for 36 months)
- The fee for your first order of cheques ($67.10/order)
- Account statements by mail free of charge for the first year ($30)
- The monthly fee of $15.95 for your banking package will be charged as of the fourth year.
Decrease of the savings
- To benefit from the full savings amount, you must maintain all those products and services and carry out the qualifying transactions for at least 36 months, unless otherwise indicated. If you don’t meet the conditions of the offer, your savings will be lower. If you don’t make your first cheque order, your savings will be lower.
Furthermore, if during any given month, you maintain your account and package but you don’t maintain one of the other products and services or if you don’t carry out the required transactions (for example if you make one bill payment instead of two), the Bank will charge you the service fee for the month. The monthly fee will be $7.98/month the second year and $11.96/month the third year. You will still benefit from a discount of $7.97/month the second year and $3.99/month the third year.
Finally, if you no longer have the account or the package you will no longer be eligible for the savings
Minimum savings of $334.92 over 3 years
You can save at least $334.92 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account and
- sign up for the Newcomers to Canada package
$334.92 savings over 3 years:
- Year 1: No flat monthly fee (save $15.95/month for 12 months)
- Year 2: A flat monthly fee of $7.98 instead of $15.95 (save $7.97/month for 12 months)
- Year 3: A flat monthly fee of $11.96 instead of $15.95 (save $3.99/month for 12 months)
The monthly fee of $15.95 for your banking package will be charged as of the fourth year. To be eligible for this savings, you must maintain the account and package for at least 36 months. You will no longer qualify for the discount if you don’t keep these products.
Maximum savings of $671.30 over 3 years
You can save up to $671.30 over 3 years if you meet all the following conditions:
- Visit a branch to open a bank account
- Sign up for the Newcomers to Canada package
- During the first year after you sign up for the Newcomers to Canada package
- Apply for and activate a qualifying personal National Bank Mastercard® credit card3
- Sign up for eStatements
During the second and third years after you sign up for the Newcomers to Canada package:
- Set up direct deposit in your National Bank account and receive your salary in the account at least once a month or
- Make at least two electronic bill payments monthly from this account.
The $671.30 savings over 3 years means the following fees will not be charged:
- The flat monthly fee for the Newcomers to Canada package for 3 years ($15.95/month for 36 months)
- The fee for your first order of cheques ($67.10/order)
- Account statements by mail free of charge for the first year ($30)
- The monthly fee of $15.95 for your banking package will be charged as of the fourth year.
Decrease of the savings
- To benefit from the full savings amount, you must maintain all those products and services and carry out the qualifying transactions for at least 36 months, unless otherwise indicated. If you don’t meet the conditions of the offer, your savings will be lower. If you don’t make your first cheque order, your savings will be lower.
Furthermore, if during any given month, you maintain your account and package but you don’t maintain one of the other products and services or if you don’t carry out the required transactions (for example if you make one bill payment instead of two), the Bank will charge you the service fee for the month. The monthly fee will be $7.98/month the second year and $11.96/month the third year. You will still benefit from a discount of $7.97/month the second year and $3.99/month the third year.
Finally, if you no longer have the account or the package you will no longer be eligible for the savings
Is it possible to open a joint account and still receive the $100 CAD?
No, it is not possible to receive the $100 CAD if you open a joint account.
To take advantage of this deal, is it mandatory to use the pvtistes.net link?
To open your account, you must click on the National Bank link provided by pvtistes.net. If you do not use this link or if you go directly to a branch, you will not receive the $100 offer.
Legal disclaimers
® National Bank of Canada and the National Bank of Canada logo are registered trademarks of National Bank of Canada.
™ National Bank Assistance Network is a trademark of National Bank of Canada used under licence by authorized third parties.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.
1. You can take advantage of the Offer for Newcomers if you immigrated to Canada within the past 5 years. For full offer terms and conditions, see the "Details and conditions of the offer" section. The Bank may modify, extend or withdraw the offer at any time without notice. The offer may not be combined or used with any other National Bank offer, promotion or benefit. Fees may apply for transactions not included in the Offer for Newcomers. For details of transaction fees, see the Fee Guide [PDF].
2. Certain conditions apply. Visit the Conditions of the $100 cashback offer for details.
3.
- Be a newcomer aged 18 or older
- Apply to open an account from your home country or within 5 years of arriving in Canada
- Be the sole user of the account
4. The Mastercard® and Interac® International Transfer service is available at a cost of $5.95 per transaction, regardless of the account you hold. The amount received by the recipient may differ from the amount sent, as intermediary or recipient banks may deduct their fees directly from the original transfer amount. This service allows you to send money to the United States, India, the Philippines, the United Kingdom, and the following 19 countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain.
5. The telephone assistance service offered by National Bank Assistance Network™ is available for 12 months from your account opening date. The content of the packages and terms described are subject to change.
6. Financing subject to credit approval by National Bank. Certain conditions apply. Eligible credit cards: mycredit®, MC1, Allure, Syncro, Platinum, Echo Cashback, World and World Elite.
7. A security deposit may be required under certain circumstances.
™ National Bank Assistance Network is a trademark of National Bank of Canada used under licence by authorized third parties.
® Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank of Canada.
1. You can take advantage of the Offer for Newcomers if you immigrated to Canada within the past 5 years. For full offer terms and conditions, see the "Details and conditions of the offer" section. The Bank may modify, extend or withdraw the offer at any time without notice. The offer may not be combined or used with any other National Bank offer, promotion or benefit. Fees may apply for transactions not included in the Offer for Newcomers. For details of transaction fees, see the Fee Guide [PDF].
2. Certain conditions apply. Visit the Conditions of the $100 cashback offer for details.
3.
- Be a newcomer aged 18 or older
- Apply to open an account from your home country or within 5 years of arriving in Canada
- Be the sole user of the account
4. The Mastercard® and Interac® International Transfer service is available at a cost of $5.95 per transaction, regardless of the account you hold. The amount received by the recipient may differ from the amount sent, as intermediary or recipient banks may deduct their fees directly from the original transfer amount. This service allows you to send money to the United States, India, the Philippines, the United Kingdom, and the following 19 countries: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, and Spain.
5. The telephone assistance service offered by National Bank Assistance Network™ is available for 12 months from your account opening date. The content of the packages and terms described are subject to change.
6. Financing subject to credit approval by National Bank. Certain conditions apply. Eligible credit cards: mycredit®, MC1, Allure, Syncro, Platinum, Echo Cashback, World and World Elite.
7. A security deposit may be required under certain circumstances.
213 Reviews
Please leave your feedback or ask questions
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
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
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