The National Bank of Canada (NBC) and pvtistes.net have been partnering several years to offer newcomers to Canada an attractive banking experience. Happy clients include international students, working holiday makers, temporary workers, and permanent residents.
If you are arriving in Canada soon or arrived within the past 5 years, you are considered a newcomer and can benefit from 3 years with no monthly fees at the National Bank of Canada. In addition, through pvtistes.net, you will receive a $100 bonus!
Note: to benefit from this offer, you must pre-open your BNC bank account no more than 3 months before your departure, as it is not possible to pre-open an account more than 3 months before your arrival. Applications to open a bank account from outside Canada will be accepted until November 3, 2026, only.
* Has nearly 450 branches across Canada and more than 1,600 ATMs.
* Allows you to pre-open your account remotely from your home country.
* Can issue you a debit card and a Mastercard credit card with no monthly fees.
For steps on how to open an account at NBC and claim the welcome bonus, read our NBC guide.
Conditions for 3 Years of Free Banking
Year 1
As explained in more detail in [this tutorial](https://pvtistes.net/bnc-tuto-100/) , you must sign up for electronic bank statements and apply for and activate a personal Mastercard® credit card.
Years 2 and 3
You must meet at least one of the following conditions:
- Set up direct deposit of your salary into your BNC bank account and receive your salary at least once a month OR
- Pay at least two bills electronically each month from this bank account OR
- Maintain a minimum balance of CAD $4,500 in your bank account at all times.
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