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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, I am coming to Canada soon. I saw your new arrival offer and last year’s presentation video.
Concerning the 1st transfer to the Canadian bank account:
. does it necessarily have to come from our French bank?
. can it come from a platform like WISE?
. can it come from a Canadian bank account?
Thanks in advance,
Rachael
Hello Rachel! The first transfer must be made from one bank to another bank. It therefore cannot come from a platform like Wise. The originating bank account can be Canadian, yes! However, you can only complete one before your first appointment at a branch in Canada. Don’t hesitate if you have any further questions!
Good morning,
Is it possible to benefit from the offer for a joint account? And is this alone sufficient to domicile the salaries of both people in the couple?
Thanks in advance
Good morning,
You can first open a personal account and then during your appointment at the branch, you will ask for the account to be attached.
The joint account in Canada has the same characteristics as in France.
Good day,
Good morning,
Is it possible to open a “joint” account with the newcomer offer?
Sarah
Hello Sarah,
I am following up on your message.
You cannot open a joint account online before your departure.
I advise you to open a personal account first and when you go to Canada to open a joint account/
If you need more information, you can contact me by private message.
Good day,
Vanessa
Hello Sarah! It is not possible to do this. However, we have other packages available for joint accounts. You can consult them on our website or discuss them during your first appointment in branch. Opening a joint account is also done here. THANKS!
Good morning
I would like to open an account but I don’t want a credit card and a debit card is enough for me
to benefit from the $100 offer that an eligible transaction signifies. What do you mean by transaction?
Thanks for your help
Hello Alexandre!
By this we mean any debit transaction made to the account (such as a bill payment or a pre-authorized debit). Please feel free to message us if you have any further questions, are we here for you?
I learned about the Canadian banking system from my friends who live in Montreal and by reading information.
I understood the principle of living on credit and repaying in order to have a credit history.
I saw that with the National Bank, we had no bank fees the 1st year and that the following years there are (7.98/m the 2nd year, 11.96/month the 3rd year and 15.96/month at from the 4th year).
But I saw on the site that the Synchro card costs 35/year or 2.92/month in bank charges. So is it more advantageous to take that rather than the pvtiste offer?
Can you explain to me what the purchase interest rate and the balance and funds transfer rate correspond to, please?
Thank you very much ^^
Good morning,
Indeed, with our offer for new arrivals you have free bank charges for a period of 3 years under a few conditions that are quite simple to meet, namely:
1- Open a bank account in one of our branches
2- Join the offer for new arrivals
Before the end of the first year following your membership of the offer for new arrivals:
3- Sign up for an eligible National Bank Mastercard® personal credit card2 and activate it
4- Join the electronic bank statement
During the second and third year following your membership of the offer for newcomers
5- Register your salary deposit in the bank account you hold in one of our branches, and have your salary deposited there at least once a month; Or
6- Pay electronically at least two bills per month from this bank account.
I invite you to refer to our website if you would like more information on this subject.
As for the credit card, interest applies if you do not repay the amounts used on time (this will be specified on your MasterCard statement). The cards eligible for the offer are as follows: mycredit, MC1, Allure, Syncro, Platinum, Echo discount, World and World Elite. (ref website bnc.ca).
You will have NO fees on all of these cards.
I invite you to contact me by PM if you have any further questions.
Good day,
I would add that the offer on PVTiste is the same as on our website except that by subscribing to our offer via pvtistes you will have a “gift” of 100 CAD offered to your bank account, if you complete 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 account opening to meet all the conditions of the offer in order to obtain the cash back.
The remittance will be made into your National Bank of Canada checking account no later than 150 days following the opening of the checking account.
Good morning,
I am taking the liberty of writing to you because I plan to come to Canada next week and I was planning to open an online bank account before my arrival.
I don’t know if the deadline is short (open an account 1 week before) and whether the procedures take longer once you arrive in Canada?
Also, as a pvtist, when registering in “CRS-FATCA Regulatory Information”, we are considered ”
I am a resident of Canada for tax purposes” or ”
I am a resident of a country other than Canada and the United States for tax purposes”?
Thank you in advance for your help : )
Hello Miriam,
The delay is acceptable, you can pre-open your account now.
For FATCA, you must indicate that “I am a resident of a country other than Canada and the United States for tax purposes”
I hope I have answered your question and do not hesitate to contact me via PM if you have any further questions.
Good day,
Vanessa
Hello, I would like to know if the first transfer France => Quebec is a transfer free of charge? Is there a transaction amount limit?
Thank you very much
Hello Valentine?
There is no limit for the transfer received. To find out everything about the applicable terms and conditions, do not hesitate to send us a message here or on Facebook Messenger?
Good morning,
I compare what is most interesting between Desjardins Bank and National Bank.
For the National Bank I wonder about:
– what credit card is offered for newcomers?
– are there fees on the purchase interest rate and the balance and funds transfer rate on the newcomer credit card?
– Can you choose your own credit card?
– What is the Purchase Interest Rate and the Balance and Funds Transfer Rate?
I noticed that a Synchro credit card has more advantageous annual fees, purchase and transfer rates than an MC1 or Macredit credit card which is free all year round but with purchase and transfer rates. higher transfer.
Good morning,
The cards that are included in the offer for New Arrivals are the following: mycredit, MC1, Allure, Syncro, Platinum, Echo discount, World and World Elite (see details on our website)
You won’t have any fees on the credit card as long as you repay the money used on the card before the due date.
We can communicate via PM if you wish.
Good day,
Vanessa
Good morning
I just arrived in Montreal 2 days ago and I am looking to open a bank account either with BNC or with Desjardins, I am still hesitant knowing that I have looked again and again at the differences between the two banks but I still don’t know what to choose,
What I would like is to have a debit card (to begin with) no credit (I’ll see later) without bank charges (I saw the offers they offer for both 2 years for Desjardins and 3 years for bnc) with which I can spend for my daily expenses in stores of all kinds WITHOUT FEES
Then I can make transfers from my French account to my Canadian account and vice versa (while waiting for me to have a job and therefore a salary) WITHOUT FEES
That there is this bank almost everywhere in all of Canada 🙂
And that I can withdraw money if necessary throughout Canada in the same ATM and free of charge and if it is not the same bank counter if it is free of charge and if this is not the case how many fees they would take?
And the same to know if in other countries by using my debit card in shops etc. are there any fees particularly in the United States because I plan to go there soon?
Thank you for taking the time to read this long message and if you can recommend one of the two banks because I don’t know what to choose and I want to do it quickly
Good morning,
Unlike Desjardins, the National Bank of Canada is present throughout Canada.
You can open your bank account within 3 months before your arrival in Canada and make a first and only transfer from your account in France to your account in Canada. Once there you can do as much as you want. You will have a fixed fee of 20 CAD for a transfer from France to Canada and a fee of 5.95 CAD for transfers from Canada to France. I advise you to make grouped transfers, i.e. one “large” transfer each time, in order to reduce costs.
Please note that if you open your pvtistes life account you will benefit from 100 CAD in your bank account, i.e. 5 “free” transfers from France to Canada.
For other information we can talk via PM.
THANKS,
Vanessa
Good morning,
Unlike Desjardins, the National Bank of Canada is present throughout Canada.
You can open your bank account within 3 months before your arrival in Canada and make a first and only transfer from your account in France to your account in Canada. Once there you can do as much as you want. You will have a fixed fee of 20 CAD for a transfer from France to Canada and a fee of 5.95 CAD for transfers from Canada to France. I advise you to make grouped transfers, i.e. one “large” transfer each time, in order to reduce costs.
Please note that if you open your account via pvtistes you will benefit from 100 CAD in your bank account, i.e. 5 “free” transfers from France to Canada.
For other information we can talk via PM.
THANKS,
Vanessa
Good morning,
Having had a bank account for almost a year under PVT, opening the BNC account went very well BUT now that I want to build a budget, save and finance my projects, the services are very limited for budget monitoring :
– no synchronization possible with budget tracking applications (e.g. mint or wallet)
– no Excel extraction possible
– no scoring possible in the application to check the expenses taken into account (entered manually in tricount for example).
A budget construction service exists but without the associated monitoring, it is insufficient to get your bearings.
It is a shame that these fairly basic services offered by other banks do not exist. I hope that the BNC will be able to integrate these services quickly.
Hello Sir,
I am sorry to learn that you are disappointed with the tools offered by the National Bank.
However, I invite you to talk about it with your advisor, he will probably be able to help you in your efforts.
Our application, however, allows you to do many things.
You can consult our “demo” page if you wish: https://demo.bnc.ca/fr/home
Best regards,
Vanessa
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