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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.
209 Reviews
Please leave your feedback or ask questions
Good morning,
I read the offer details and see a difference between base savings and maximum savings.
This means that if I take the newcomer offer and open the account with you, from the second year I will have to pay fees? The 3 years without fees are if I take other services such as a personal credit card3 Mastercard and a bank statement?
THANKS,
Good morning! The conditions to be met to obtain free admission during the 2nd and 3rd year are indicated on this page in the “Details and conditions of the offer to new arrivals” section. You can also ask us your questions via Facebook Messenger if necessary. THANKS!
Good morning,
I opened an account at the BNC thanks to the offer that was made at the beginning of the year. At the time a transaction was necessary to receive the 100 dollars. I’m still waiting for them. I am about to receive my first salary but I admit that I am quite disappointed to see that the conditions have changed. Do they apply to those who opened an account a few months ago?
Could you get back to me on this? Who can I contact?
A big thank-you.
Lucy
Hello Lucy!
I invite you to communicate with us privately or on Facebook Messenger to allow us to watch everything with you. THANKS!
Good morning,
Let me ask a quick question here.
EDIT Fix:
Good morning,
Let me ask a quick question here because I’m a little lost in opening an account. I am an apprentice in France and I am going to Canada for 15 weeks for an internship. I am still declared on my parents’ taxes. I am therefore a resident of a country other than Canada and the United States for tax purposes but I do not have a tax identification number in my name. Should I put my parents’ one or say in the three options that I didn’t receive it?
THANKS,
Maelle
Hello Maëlle! For the NIF, you will have to check with a tax specialist on your side, but if you are still with your parents, this is normally the one you should put! Don’t hesitate to ask us your other questions via Facebook Messenger!
Good morning,
Reading the terms of the offer, I wondered if there was a three-year “commitment”.
I understand that it is possible to cancel your contract at any time, but does this imply having to reimburse the monthly fees which would normally have been paid without the offer?
Thanks in advance,
Marion
Hello Marion! No, this is not a commitment. Rather, the three-year period represents the duration of the offer. Do not hesitate to write to us on Facebook Messenger with your questions!
hello, it has now been almost a month since I opened my bank account at the national bank via the link and I still have not received the promised $100 🙁
Hello Ines!
If you have fulfilled all the conditions of the promotion, the rebate will be automatically paid into your account within 150 days of opening it. Do not hesitate to write to us privately or contact us on Facebook Messenger to confirm whether you have fulfilled the conditions?
Good morning,
I pre-opened my bank account around October 20, 2023, and came to open my account in a branch on November 9 with advisor Antoine Lamothe from BNC Ste Catherine Est, who told me that I would receive the $100 after 3 months: and since then I haven’t received anything… do you know why? The advisor does not respond to my emails.
Hello Marie,
I am sorry for the inconvenience you are experiencing.
First of all, have you completed the following conditions:
-Join our internet banking solutions and our online account statement service by accessing via the link on PVTistes.net
– Carry out an eligible transaction (account interest and banking plan fees charged to the account are not considered transactions)
You have 120 days following opening of the account to meet all the conditions of the offer in order to obtain the cash back.
Your remittance will be sent to your National Bank of Canada checking account no later than 150 days following the opening of the checking account.
If, despite all this, you notice that you have completed the conditions, please write to me via PM.
Thank you and good day,
Vanessa
Good morning,
With my partner, we pre-opened an online account in January for our arrival at the beginning of April.
We also made an appointment with an advisor to finalize the opening.
When we arrived on the day of the appointment, the advisor was not present, apparently on vacation… They were a little surprised by our arrival, apparently the online appointment scheduling diary is not maintained up to date…. After a few minutes of waiting, another advisor took care of us.
We have subscribed to a debit and credit card, but as we do not have a fixed address it is impossible to retrieve it, even at an agency.
The advisor in question is not of much help, she only asked us to contact her when we have a fixed address. That’s good, but we plan to visit the country before settling down more permanently. . We will therefore lose a little time for our credit history. That seems to be the procedure, we can understand it. Too bad, for a newcomer offer, it would be nice to have another possibility to recover credit cards.
This morning, I wanted to use my debit card, which is issued immediately, but it is systematically refused, even at the ATM.
The frustrations are building up a bit, nothing too serious, I think these problems will be resolved in the coming weeks.
Good day !
Hello, do not hesitate to send us a message or write to us on Facebook Messenger. We are here to help you!
Good morning,
I follow up on your comment. Can you write to me privately and leave me your contact details so that I can put you in contact with one of our advisors on site in order to look at the situation together and bring you satisfaction.
Waiting for your return,
I wish you a good day,
See you soon,
Vanessa
Good morning,
I pre-opened my bank account via the PVTistes link then finalized the procedures on February 5 at the agency. However, I still have not received the $100 from the Newcomers offer.
I called my BNC advisor who told me there was nothing she could do.
Can you enlighten me please?
Thank you so much ?
Hello Maëva?
Can you send us a message? We will be happy to watch this with you!
Good morning,
I’m going to Canada in a few months for a working holiday and I’m looking into bank offers. I saw this offer for newcomers but I have a question about the commitment.
At the top of the page it says “No commitment: you can close your account free of charge and at any time.” However, in the conditions for discounting the $100 at the bottom of the page it is indicated “you agree to respect the conditions of the offer….. for a minimum of 12 months”.
So I don’t really understand if there is a commitment to opening this account because I’m not sure I’ll stay in the country for 12 months. Can you tell me more ?
Thanks in advance
Good morning!
You can close the account at any time, so it’s without obligation. If, however, you benefit from a promotional discount amount, this can be claimed at the time of closing.
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