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Offer for newcomers to Canada

The perfect plan to settle in your new home

Open an account online

Eligible from your country or when arriving in Canada. See conditions ↓

Online sign up

from your country

Choose a branch

from over 400 locations

No monthly fee

for the first 3 years

New MastercardMD

with no credit check?4

At a glance

Save up to $600 by signing up to our banking products and services for 3 years1.

The flat fee of $14.95/month will only start applying as of the 4th year.

Transfer funds abroad online.

Year 1

Banking package with no flat monthly fees
Save $14.95/month

  • Chequing account
  • Unlimited online transactions
  • Access to financing (credit cards3, mortgage or car loan, etc.)

 

Additional advantages

Years 2 and 3

Banking package with no flat monthly fee
Save $14.95/month by signing up to the following products and services:

  • Personal credit card
  • Online bank statements
  • Electronic pay deposit or online payment of 2 bills per month7

 

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Year 2

50% DISCOUNT on your banking package
(flat fee of $7.48/month)

Year 3

25% DISCOUNT on your banking package
(flat fee of $11.21/month)

How to take advantage of the offer for newcomers



Open an account online

  • Apply to open a bank account online from your country or upon your arrival in Canada.

  • Receive a confirmation email and schedule an appointment at a branch when you arrive to Canada.


Meet with an advisor

  • Meet with an advisor once you arrive to activate your account and pick up your debit card.

  • Take advantage during your appointment to sign up for other products and services for newcomers, such as:

- Access to a Mastercard credit card without a credit history
- A High Interest Savings Account
- Access to car and mortgage loans5

Ready to apply for the package? Start by opening an account.

Open an account online

Make an appointment

Why choose National Bank?

branches

Accessible

Access our services in 440 branches or 3,330 ABMs across Canada6.

digital solutions

Digital

Simplify your banking operations thanks to our easy-to-use features.

user friendly

User-friendly

Select the account that suits you best and take advantage of our convenient banking features.

Read about our offer for newcomers in your language

Fran?ais [PDF]

Arabe [PDF]

English [PDF]

Espa?ol [PDF]

?????? [PDF]

Little details that matter

Eligibility criteria

  • Be a newcomer 17 years of age or older
  • Apply to open an account from another country or within 5 years of arriving in Canada
  • Be the only user of the account

 

Back to top ↑

Brochure in 7 languages

Read about our offer for newcomers in your language.

French [PDF]

English [PDF]

Arabic [PDF]

Chinese [PDF]

Spanish [PDF]

Persian [PDF]

Punjabi [PDF]

Details and conditions of the offer

Baseline savings of $317.16 over three years

Save a minimum of $317.16 over three years if you meet the following conditions :

  • Visit a branch to open a bank account
  • Sign up for our offer for newcomers

Savings of $317.16 based on:

  • First year: no flat monthly fee (savings of $14.95/month for 12 months)
  • Second year: flat monthly fee of $7.48 instead of $14.95 (savings of $7.47/month for 12 months)
  • Third year: flat monthly fee of $11.21 instead of $14.95 (savings of $3.74/month for 12 months)

The full flat monthly fee of $14.95 will be applied to your banking package from the fourth year. To be eligible for savings, you must commit to keeping the account and package for a minimum of 36 months. You will receive no further discounts if the products are cancelled.

Maximum savings of $650.18 over three years

Save up to $650.18 over three years if you meet the following conditions:

  1. Visit a branch to open a bank account
  2. Sign up for our offer for newcomers
  3. During the first year after signing up the offer for newcomers to Canada:
    • Apply for and activate an eligible National Bank Mastercard personal credit card
    • Sign up for eStatements
  4. During the second and third year after signing up the offer for newcomers to Canada:
    • Set up salary deposits to your National Bank account and have your pay deposited at least once a month or
    • Make at least two electronic bill payments7 from your National Bank account every month.

Savings of $650.18 over three years based on:

  • No flat monthly fee for our banking package for newcomers for three years ($14.95/month for 36 months)
  • First order of cheques free8 ($56.98/order)
  • Small safety deposit box rent-free for the first year ($55.00/year)

The full flat monthly fee of $14.95 will be applied to your banking package from the fourth year.

Note on savings

To enjoy the full savings, you must keep the products and services and carry out all required transactions for a minimum of 36 months, unless otherwise indicated. If you fail to meet the conditions of the offer, your savings will be lower. Your savings will be lower if you do not order cheques or rent a safety deposit box.

If during a given month, you keep your bank account and banking package, but do not keep all of the other products and services indicated or do not carry out all of the required transactions (e.g. only one electronic bill payment per month instead of two), you will be charged National Bank's service fee for that month. The service fee will be $7.48 monthly the second year and $11.21 the third. You will still enjoy monthly savings of $7.47 during the second year and $3.74 during the third.

Finally, if you no longer hold a bank account or banking package for newcomers, you will no longer be eligible for savings.

 

Legal disclaimers

? 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.

? THE EXCHANGE is a registered trademark of Fiserv Inc.

1. Our banking offer for newcomers is available to immigrants who have been living in Canada for less than 5 years. See the Details and conditions of the offer for the full terms and conditions. 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. Fees may apply for transactions not included in the banking offer for newcomers. For more information on transaction fees, see our Guide to Personal Banking Solutions [PDF].

2. Telephone assistance service offered by National Bank Assistance Network, valid for 12 months from your account opening date. The content of the packages and terms described are subject to change.

3. 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.

4. Security deposit may be required under certain circumstances.

5. Financing subject to credit approval by National Bank. Certain conditions apply.

6. National Bank ABMs or ABMs in THE EXCHANGEMD network

7. Eligible electronic payments: payments made via ABMs, pre-authorized debits and digital banking solutions (including payments through National Bank online or the National Bank mobile app).

Ready to apply for the package?

Open a bank account online at any time or meet with an advisor once you arrive in Canada.

Open an account online

Make an appointment

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