Business Client Card

Access your accounts and a range of banking services, easily and whenever you want.

Choose free and a secure debit card

Features of the Client Card:


24/7 access to your accounts

Withdraw and deposit funds in Canadian dollars1, transfer money between accounts and check your account balance at any National Bank ABM, at any time, day or night.

Can be used to make direct payments within Canada and abroad

Make direct payments within Canada through the Interac® network
  • Pay for your purchases without carrying around large amounts of money.
  • Monitor your spending more effectively, as your balance is always up-to-date.
  • Secure your funds. If your card is lost or stolen, your money cannot be accessed without your PIN.

Interac Direct Payment is offered by more than 400,000 merchants across Canada.

Just look for the Interac® logo when you make a payment.

Make direct payments abroad*

With the Maestro® network

In addition to the Interact network in Canada and the NYCE® network in the U.S., you now have access to the Maestro worldwide network, available in nearly 13 million stores and more than 100 countries.**

While on business trips and vacations outside Canada, use your chip-enabled Business Client Card to make payments at participating merchants worldwide.


With over a million points of sale in the U.S., including most grocery stores and gas stations, the NYCE network offers instant access to your funds through secure electronic transactions. Look for the NYCE logo to know whether you can use your Business Client Card.

Advantages of the NYCE network

  • No need to carry cash
  • Instant access to the funds in your bank accounts
  • Transactions secured by a PIN
  • You can get cashback at most supermarkets


For more information, please visit

N.B.: If your bank account has overdraft protection, it will be applied to any direct payments made through the above networks.

Interac Flash®: a new payment feature

Your new debit card is equipped with Interac Flash® technology, allowing you to pay retailers within Canada with a simple tap of your card. 

How does it work?

It's easy!
1- Look for the Interac Flash® symbol on the payment terminal at your favourite stores.*
2- Hold your card up to the reader.
3- You'll hear a beep, then a confirmation message will appear once the payment has gone through.

*The contactless payment feature will be activated once you make a payment at a retailer by entering your PIN.

It's fast, convenient and secure. The payment is instant (no need to enter your PIN), but after a certain number of transactions, you'll be prompted to enter your PIN at random as a security measure. What’s more, with Zero Liability, you’re protected in case of fraud. 

Smart technology

With contactless payments, your chequing account is automatically debited.
If there's no account associated with the "Chequing" option, Interac Flash® will debit your "Savings" account. 

Stay in control

You can decide which account will be debited by default. You can also reduce the maximum amount for contactless payments on your card, or even deactivate the feature by setting the limit at $0.

Manage your own withdrawal and purchase limits3

Change the limits on your Business Client Card as often as you wish. These changes are applied in real time, everywhere in the world.

  • ABM withdrawal limit
  • Direct payment purchase limits

To manage your purchase and withdrawal limits, call 1-844-394-4494 (or 514-394-4494 Montreal), options 2 and 1.


Double protection against fraud and counterfeit

Chip card technology

  • Your card still has a PIN (personal identification number)
  • The information contained on the chip is virtually impossible to copy

Check out our FAQ for complete details on the chip-enabled Client Card.


Deposits processed more quickly

Deposits made at an ABM before 9 p.m. on a business day will be processed the same day.

Sign up for our Night Depository service5 for even more flexibility.

Access to an extensive network of ABMs

Withdraw cash at ABMs in the Interac® and CIRRUS® networks.

  • Unlimited number of cards per company
  • Card has a magnetic strip and chip technology


Banking machine network user fee
  • Interac®: $2.00
  • CIRRUS®: $5.00



Effective October 1, 2016, only chip-enabled debit cards may be used at point-of-service terminals in Canada. Feel free to contact us for any questions on your Client Card.

Useful Articles

Hand holding a toy plane

Find out more



If your card is lost, stolen, used fraudulently or retained by a banking machine, call us immediately at 1-800-361-0070.

Read our security tips

Credit card


Do you need a credit card with a rewards plan, or a card that allows for secure transactions when you travel?

Find the credit card that's right for you



Are you short on funds, and concerned with preserving your company's reputation?

Learn more about our overdraft protection

Legal Notes

1 A maximum of $200,000 can be deposited per business day

2 Certain fees apply unless a business package is linked to the corresponding account. Visit a branch or view our Fee Guide - Banking Services for Businesses for more details.

3 Your purchase and withdrawal limits must be lower than or equal to the maximum limits established by National Bank.

4 Transactions carried out after 9:00 p.m. or on Saturdays, Sundays or bank holidays are processed the next business day.

5 Certain fees apply. Visit a branch or view our Fee Guide - Banking Services for Businesses for more details.

TM Registered trademark of Interac Corp.

TM Registered trademark of NYCE Corporation. Authorized user: National Bank of Canada.

TM Registered trademark of Mastercard International Inc. and its affiliates

TM Registered trademark of Cirrus Systems Inc.

® SecurID is a trademark of RSA Security Inc. This presentation is provided by National Bank and its subsidiaries and affiliates for information purposes only. This document creates no legal or contractual obligation for National Bank of Canada or its affiliates. The programs and services described are subject to change.

® Interac Flash is a registered trade-mark of Interac Corp. Used under licence.

* For details concerning transactions carried out in foreign currencies, refer to the Business Account and Banking Service Agreement.

** Data as at June 30, 2010 Source:

+ Use of certain services may incur fees that will be charged directly to your account. View our Fee Guide - Banking Services for Businesses for more details.

Useful links