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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’ve been in Canada since the end of March. I opened my account at the end of January 2025 and I still haven’t received anything. However, I followed all the conditions mentioned in order to receive the $100 bonus. I contacted an advisor, but they don’t seem to be aware of the welcome offer in partnership with pvtistes.net… Is there anything specific I need to do?
Thank you,
Hello Lucille,
I’m following up on your comment regarding the CAD 100 bonus.
Have you met the following conditions:
– Sign up for online banking and online bank and tax statement services within 150 days of opening your checking account.
– Make a total of 10 eligible transactions over a maximum period of 2 consecutive months, within 150 days of opening your new account. Eligible transactions are:
*Debit card purchases
*Transfer or payment to a National Bank Mastercard credit card using your online banking or the National Bank mobile app
Bill payments using your online banking or the National Bank mobile app
The bonus is paid within 210 days. You can also double-check your bank statements; the CAD 100 may have been deposited into your account without you realizing it.
Otherwise, you can send me a private message so I can investigate.
Thank you for your understanding.
Have a nice day,
Vanessa
Hello Lucille,
You currently meet all the criteria to receive the $100 rebate. However, rebates are deposited into accounts no later than 210 days after account opening.
You are currently approximately 190 days since your account was opened.
By the end of August or early September, you should receive the $100.
If not, please contact me again.
Have a nice day, V
Vanessa
Hello everyone,
By taking advantage of the newcomer offer, with 1 or 3 years interest-free. Is there a commitment to keep the account with BNC beyond this period?
Or is the customer free to stay or move to other banks if the experience isn’t as expected?
Thank you.
Hello,
Here are the conditions advertised on our website:
https://www.bnc.ca/particuliers/comptes/nouveaux-arrivants.html#notes-item-8f5ae4c154
If you need more details, please feel free to contact me via PM.
Have a nice day,
Vanessa
Hello,
I didn’t quite understand the conditions for receiving the $100, particularly regarding eligible transfers:
– What does “transfer or payment TO a MasterCard credit card” mean? Is a credit card payment eligible (for example, in-store or online)? Is a transfer from a checking account to a credit card (for a refund, for example) eligible?
– Are online order payments by debit or credit card valid?
– What does “bill payment” mean? Is this a payment for a subscription, for example, an online bill? Are direct debits available in Quebec?
Thanks for your reply!
Adam
Hello,
These are transactions involving your credit card.
I invite you to contact me by private message to get all your questions answered in detail.
We could even have a chat via Teams so I can explain everything to you in detail.
Have a nice day,
Vanessa
Hello! I pre-opened my account before arriving in Canada via the link provided in the working holiday visa articles.
I’ve been here since October 2nd and I haven’t received this bonus. Is there anything else I can do? I waited the required 120 days, and I’m wondering if I followed everything correctly.
Thank you ☺️
Hello,
Have you met the following requirements:
Eligibility Requirements
– Open a checking account and subscribe to our special offer for newcomers during the promotional period, using the redirection link available on our partner website pvtistes.net. Maintain this plan or special offer for at least 150 days following the opening of the new checking account.
– Be the primary account holder.
– Sign up for online banking and online bank and tax statement services within 150 days of opening the checking account.
– Make a total of 10 eligible transactions over a maximum period of two consecutive months, within 150 days of opening the new account. Eligible transactions are:
– Debit card purchases
– Transfers or payments to a National Bank Mastercard® credit card through your online banking or the National Bank® mobile app
– Bill payments through your online banking or the National Bank® mobile app
– Not having a National Bank® checking account or having had one within the last 24 months.
Could you contact me by private message so we can look into this together?
Thank you and have a nice day,
Vanessa
Hello,
Be careful, because the BNC is fully available for account opening, but after that, it’s another story… I’ve been trying to reach my branch and my advisor for months, by phone when I can, but mostly by email (I work all week), and they no longer respond regarding the $100 offer… Still haven’t paid out even though I’ve been in Canada for 8 months…
Hello Lola,
I hope you are well?
After some investigation, it appears that you received the remittance on January 17, 2025.
I invite you to validate it in your online session (SBI) in your transaction history. This way, you should see the credit on your end.
There was therefore no malfunction on the part of the National Bank of Canada, and the remittance was therefore applied according to the requested conditions.
I hope everything is to your satisfaction.
Vanessa
Hello Vanessa!
I wanted to know; I registered online via your site, at the BNC.
I arrive in Montreal on February 12 and I leave Montreal for the Yukon on February 24.
Do you think I will have time to get my debit and credit cards before leaving for the Yukon?
And if not, what are my solutions?
Thank you!
Charlotte
Hello Charlotte,
Thank you for choosing BNC 🙂
You will have your debit card during the day during your first appointment at the branch and at that time you will have to order your credit card (deadlines: 5 to 7 days) either it can be sent to your address in Montreal until February 23 or you can give your address in the Yukon.
You can write me in PM if you have other questions.
Have a nice day,
Vanessa
Hello, I opened my account on October 2, 2024.
I have not yet received the $100 bonus… And at the agency they explained to me that the fee-free account was only valid for one year, after which I would have fees, but I see that it is 3 years without fees. Can someone guide me?
Thanks
Hello Kimberly,
Regarding the conditions to obtain the 100 CAD, I invite you to read the conditions below:
Conditions to be eligible
– Open a checking account and subscribe to our special offer for newcomers, during the duration of the promotion, using the redirection link available on the website of our partner pvtistes.net. Maintain this package or special offer for at least 150 days following the opening of the new checking account.
– Be the primary account holder.
– Subscribe to online banking and online bank and tax statement services within 150 days of opening the checking account.
– Make a total of 10 eligible transactions over a maximum period of 2 consecutive months, within 150 days of opening the new account. Eligible transactions are:
Debit card purchases
Transfer or payment to a National Bank Mastercard® credit card using your online bank or the National Bank® mobile app
Bill payments using your online bank or the National Bank® mobile app
– Not have a National Bank® chequing account or have had one in the last 24 months.
As for the 3 years of free use, you are entitled to it as soon as:
Before the end of the first year following your enrollment in the offer for newcomers:
* Sign up for an eligible National Bank Mastercard® personal credit card and activate it.
Sign up for electronic bank statements. * During the second and third year following your enrollment in the offer for newcomers
Register your salary deposit to the bank account that you hold in one of our branches, and have your salary deposited there at least once a month; or
Pay electronically at least two bills per month from this bank account.
I hope that my answer will be to your satisfaction and if you have additional questions, do not hesitate to write to me privately.
Have a nice day,
Vanessa
Hello,
I’m repeating Damien’s question.
I’m desperately trying to transfer money from my French account to my Canadian account at BNC with Wise and it still doesn’t work. At Wise, it doesn’t even recognize the account.
There was an interac transfer before, but that doesn’t seem to resolve the situation.
Hello,
If you are still in France, you are only allowed to make one transfer before your arrival in Canada.
You will be able to make another transfer via Wise once you have been identified in Canada.
On the other hand, if you are in Canada and have already identified yourself in a branch, I invite you to go there to find out why you are unable to make another transfer of funds.
I hope that I answer your questions.
Have a nice day,
Vanessa
Hello,
I have a question regarding the 1st transfer. I understand that the use of Wise is not allowed. However, can I ask a friend to make me an interac transfer so that I can then make a wise?
In short, can this 1st transfer be an Interac transfer (from Canada to Canada)?
Hello Damien! In fact, the transfer could be made by your National Bank branch? If you would like assistance in knowing how to reach your branch, do not hesitate to write to us privately here or via Facebook Messenger.
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