Up to $1,688

in annual savings  1

Annual credit card fees apply.

Discover our special offer

  • Up to 3 bank accounts with no fixed monthly fees 2
  • Personal and home equity lines of credit4with preferred terms and conditions
  • Preferred value-added services: telemedicine, legal assistance and identity theft protection
  • Access to a financial planner 15
  • 1 eligible Mastercard® credit card3

Offer details

Up to


in annual savings1 


3 bank accounts2

no monthly fee with an eligible Mastercard credit card3


Access to 
exclusive services

Line of credit and mortgage4

with preferential terms and conditions

Exclusive benefits for

  • Engineers
  • Engineering graduates

How does it work?

Sign up for a Mastercard credit card and access bank accounts and financing solutions with attractive terms and conditions.

Sign up for a World, World Elite or Platinum Mastercard credit card

Icône symbole addition

Get three bank accounts with no monthly fee

Icône symbole addition

Enjoy a line of credit and a mortgage with preferential terms and conditions

1. Choose your Mastercard credit card




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annual fee


purchase rate


balance transfer and cash advance rate

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Your spouse can also benefit by signing up for an additional Mastercard credit card.8

2 - Enjoy three eligible bank accounts

Get up to three bank accounts and pay no monthly fee—plus you get an unlimited number of transactions on most automated services by obtaining a Mastercard.


  • Send an Interac® e-Transfer free of charge
  • Carry out several types of transactions in an unlimited number, including branch transactions and automated telephone services
  • First order of 100 personalized cheques included (shipping fees and taxes not included)
  • Ensure that you never get caught short with our overdraft protection
  • Access your accounts from anywhere in Canada with the THE EXCHANGE® ABM network
  • No charge for your first 2 ABM withdrawals with the Interac® network in Canada


Don’t need a credit card? A $12.95 monthly fee applies.13

3 - Enjoy attractive terms and conditions on your financing solutions

Personal Flex Line®, 10

This line of credit is accessible any time. Power your ideas without having to apply for a new loan!


Exclusive rate

Prime rate + 0.25%


current interest rate
No management fees12


Discover the Personal Flex Line

National Bank All-In-One®, 11

A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.


Exclusive rate

Prime rate + 0.25%


current interest rate
Fee of $7 per month per account


Discover the National Bank All-in-One

Mortgage loan4

Split your mortgage into smaller portions—each with its own rate, term, payment frequency and amortization period.


Check out our mortgage offer

To benefit from these advantages, we invite you to contact an advisor.

4 - Grow your savings

Logo Financial planner

Meet with a financial planner15

Financial planners are trained to help you plan, execute and achieve your goals. Leverage the expertise of our planners to meet your needs at key milestones in your life. Learn more about our services.

Logo National Bank Direct Brokerage

Manage your investment accounts independently

Take control of your investments with powerful tools and a dedicated team of experts.


  • Stock commissions at $0 per trade16
  • Canadian and American Exchange Traded Funds at $0 commission17
  • No annual administration fee
  • Optimized online brokerage platform
Picto RESP

Save for your children’s education

The Registered Education Savings Fund (RESP) is a smart way to fund your children’s post-secondary education.


  • Make tax-free savings for your children’s post-secondary education
  • Grow your savings with government grants from 20% to 40 % each year
  • If you were late opening an RESP or if you don’t contribute each year, you can carry forward or catch up on the unused amount one year at a time.

Your exclusive services


Access to a virtual clinic

We actively support your health and well-being. That’s why we’re offering you access to Dialogue, a virtual healthcare service platform available anywhere, anytime. 

Discover our partner’s telehealth services


Benefit from legal assistance

In partnership with FBA Solutions, access lawyers by phone and get legal information in many areas.

Discover legal assistance


Help protect yourself against identity theft and identity fraud with Securizone

Take advantage of a 20% discount on the Securizone® or Securizone 360™ plan18 and access tools and support services to better protect your identity. 

Discover Securizone

Engineer at his office

Providing support throughout your career


Get financing4 for an office space, manage your employees more efficiently and benefit from commercial accounts with reduced fees. Our team of experts is here to help.

Discover our offers for businesses


Earn savings while you study and manage your finances more easily with a Mastercard credit card2, a bank account3 with no monthly fee and a personal line of credit.4

Discover our offers for students

National Bank is a proud partner of

Ordre des ingénieurs du Québec logo
Association des diplômés de Polytechnique logo
Réseau ÉTS : Association des diplômés logo
Logo Ontario society of professional engineers (OSPE)

Little details that matter

  • Provide proof of professional status.12
  • Have a bank account and a credit card eligible for the offer.13

® THE EXCHANGE is a registered trademark of Fiserv Inc.

® Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank.

® The Personal Flex Line, the All-In-One and THE TOTAL are registered trademarks of National Bank of Canada.

® SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.

CIRRUS® is a registered trademark of CIRRUS SYSTEM Inc.

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

The rate applicable from the third withdrawal is $1.25 per transaction. To find out the rates for our National Bank products and services, discover our Fee Guide

National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.

1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard® or World Elite® Mastercard credit card. The $1,688 in annual savings is provided as an example only to illustrate what a holder could save with the offer. It is based on the typical profile of a client who has the following products: two bank accounts equivalent to The Total® package, with the individual Securizone product, a World Elite® Mastercard® credit card, a National Bank All-In-One® home equity line of credit with an annual balance of $150,000, and has a good credit rating.

Savings are calculated as follows: No monthly fee for transactions included in the The Total® package (annual savings of $694 for two active chequing accounts), plus an annual discount on the individual Securizone product (annual savings of $19), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), minus the annual fee for the World Elite® Mastercard® for a year (savings of $150). These savings represent the difference between what a client with the offer and a client without it would pay. Certain conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.

2. Bank account with chequing privileges. Certain services, such as the passbook and paper statement by mail, are not included. Included services and fees for unrelated services are indicated in our Fee Guide, available in branches or at nbc.ca.

3. Subject to credit approval by National Bank of Canada. Certain conditions apply.

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

5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.

6. Grace period:

No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate

Average balance
















*Variable interest rate in effect on September 1, 2021


7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.

9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions.

10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the Bank that corresponds to the sum of the interest and insurance premiums charged to the account for the period covered by the statement, and any other amount required to ensure the account's debit balance does not exceed the credit limit. This minimum instalment must be made without using the line of credit.

11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p1.tauxBase|percent:"true"} + 1%

This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

The “Prime rate” means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in CDN$ in Canada. Visit nbc.ca/primerate for the rate in effect.

12. This offer must be renewed annually on presentation of identification and proof of professional status.

Monthly account statement. No management fees. The Personal Flex Line rate is established by the prime rate, plus a spread established by the client’s credit history. As a guideline, the applicable rate for a typical Personal Flex Line is comprised of the prime rate + 4%. Once an amount is borrowed from the line of credit, it accrues interest. The minimum monthly payment is limited to the monthly interest and life insurance premiums (as applicable). Examples of credit fees calculated over a 30-day period at the applicable rate as at January 22, 2024.

    Average balance  
$500 3,000$
Typical Personal Flex Line
Prime rate + 0.25% (7.45%)

The typical Personal Flex Line is a faithful representation of all Personal Flex Lines of Credit offered by National Bank. Note that the Prime rate can change. For more information on the current rate, please visit nbc.ca/primerate.

13. National Bank reserves the right to terminate, without notice, the savings and other benefits on all products and services included in the banking offer, if the client closes their eligible bank account. In the event the client cancels their eligible credit card or replaces it for a credit card that is not eligible for the offer, National Bank will charge fixed monthly fees of $12.95 on the transaction accounts to enable the client to maintain their savings and other benefits in the banking offer.

14. For more details, contact an advisor.

15. Financial planning services are offered through subsidiaries of National Bank. Financial Planners provide their services on behalf of National Bank Investments Inc., a wholly owned subsidiary of National Bank of Canada.

16. Trades must have been made through our electronic solutions. For more information about commissions and general fees, please refer to our brochure.

17. Management and other fees may apply to ETF investments. Please read the prospectus before making an investment. ETFs are not guaranteed, their values change frequently and past performance may not be repeated.

Regular pricing on equities trade applies if the $0 commission conditions on ETFs are not met..

18. Discount is applicable to the standard rates of the Securizone or Securizone 360 plans for as long as you benefit from an exclusive offer. If you no longer benefit from an exclusive offer, you must agree to pay the applicable regular rate in order to continue to benefit from the plan. NBC Assistance Inc. reserves the right to terminate or modify this offer at any time. Please consult the rates and other applicable conditions on the Securizone page.

Ready to apply?

Apply online and an advisor will contact you shortly to set up an appointment.

Take advantage of this offer

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