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:


Withdraw and deposit funds in Canadian dollars 1, transfer money between accounts and check your account balance at any National Bank ABM, at any time, day or night.

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.

With Interac ® Debit contactless payments, your debit card allows you to make contactless purchases at many merchants. The maximum limit is $250 per transaction.

How does it work?

It’s very simple.

  1. Look for the Interac ® Debit contactless symbol at your favourite retail payment terminals.*
  2. Hold your card up to the reader.
  3. After the beep, wait for payment confirmation.

* To activate the contactless payments feature, you must first enter your PIN when you make your first transaction by inserting your card into an ABM or merchant terminal.

To activate the limit increase of your contactless payments from $100 to $250, you must first enter your PIN when inserting your card into a merchant terminal.

It's convenient, fast and secure. Payment is instant (no need to enter your PIN). Note that there is a $500 cumulative limit on contactless transactions. This limit is reached when the total of your contactless transactions amounts to $500 from the last time you entered your PIN.

When you reach the limit, you must make a debit payment by entering your PIN to confirm that you are the legitimate cardholder. This is an additional security measure to protect you from theft and fraud. You're also protected in the event of fraud with Zero Liability.

Smart feature

The Interac ® Debit contactless payments feature will make the transaction directly from your chequing account. However, if you don't have an account that is associated with the chequing button, the contactless feature is programmed to make the transaction from your account set to the savings button.

Stay in control

Of course, you can choose the account that will be used by default. Just like you can reduce the maximum contactless payment limit. In fact, you can even disable this feature by setting the limit to zero.

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.

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 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.

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.

Icône de carte de débit

Good to know

To protect yourself from theft and fraud, you will be asked to enter your PIN when your total contactless transactions amounts to $500 since the last time you entered your PIN.

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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

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.

® Trademark of Interac Corp. Used under licence.

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 registered trademark of RSA Security Inc. Authorized user: National Bank of Canada. 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 is a registered trademark of Interac Corp. Used under licence.

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

** 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.

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