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

  • Chiropractors
  • Dentists and dental specialists
  • Optometrists
  • Pharmacists
  • Podiatrists
  • Veterinarians

How does it work?

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

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

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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.


  • Sending 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


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 rate11


Rate for dentists

Prime rate - 0.25%


current interest rate
No management fees12



Discover the Personal Flex Line

National Bank AllInOne®, 11

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


Exclusive rate

Prime rate11


Rate for dentists and veterinarians

Prime rate - 0.25%


current interest rate
Fees of $7 per month per account



Discover the National Bank All‑in‑One

Mortgage loan4

Combine a number of financing solutions for a made-to-measure mortgage.


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

Certified 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. 

Discover financial planning

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 $5.95 per trade16
  • Canadian and American Exchange Traded Funds at $0 commission17
  • No annual administration fee
  • Optimized online brokerage platform

Discover National Bank Direct Brokerage

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.

Discover the RESP

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 in Canada, 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


Take precautions against identity theft and fraud with SECURIZONE®

Benefit from preferential pricing with a 50% discount on SECURIZONE® products18. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.

Discover the SECURIZONE

Doctor in a hospital

Providing support throughout your career


Start up or take over a clinic, obtain financing4 for medical equipment and manage your human resources more efficiently with the help of our team of experts.

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

Little details that matter

Eligibility criteria

  • Deposit all occupational earnings (RAMQ and other) in a National Bank account.
  • Provide proof of professional status.12
  • Have a bank account and a credit card eligible for the offer13

Legal Disclaimers

® 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.

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

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 Investment Industry Regulatory Organization of Canada, 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 $2,936 in annual savings is provided as an example only to illustrate what a client could save with the offer. It is based on the typical profile of a client who has the following products: a banking package equivalent to the Total®, 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 a personal line of credit with an annual balance of $25,000, and has a good credit rating.

Savings are calculated as follows: No monthly fee for transactions included in the Total® package (annual savings of $311), plus an annual discount of 1.25% on the All-In-One line of credit rate (annual savings of $1,875), plus an annual discount of 2.75% on the rate of a personal line of credit (annual savings of $687.50). These savings represent the difference between what a client with the offer and a client without it would pay. Some 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

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.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate
Average balance
  $500 $3,000
22.99% $9.45 $56.69
20.99% $8.63 $51.76
14.5% $5.96 $35.75
8.9% $3.66 $21.95

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 available at the branch.

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: ${p5.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 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 + 2.75%. 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 March 31, 2020.

    Average balance  
$500 3,000$
Typical Personal Flex Line
$2.14 $12.82
Prime rate (2.45%)
$1.01 $6.04


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

13. National Bank reserves the right to end, without notice, the discounts and other advantages offered in the banking offer if the client closes his eligible bank account. In the event that the client cancels his eligible Mastercard account or replaces it with a Mastercard account that is not eligible for the offer, National Bank will charge a fixed monthly fee of $12.95 to the transactional bank accounts, to allow the client to maintain the discounts and the other advantages of 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. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.

17. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions.

18. Special monthly fees of $2.95 (individual) or $4.45 (family) plus tax for SECURIZONE® 2.0 or $4.95 (individual) or $7.50 (family) plus tax for SECURIZONE® Alert. The special rates for National Bank privilege offer will be in effect as long as you benefit from the privilege offer. If you no longer benefit from the privilege offer, the regular monthly fees of $5.95 (individual) or $8.95 (family) plus tax for SECURIZONE® 2.0 or $9.95 (individual) or $14.95 (family) plus tax for SECURIZONE® Alert will be applicable. NBC Assistance Inc. reserves the right to terminate or modify at any time the offer of the SECURIZONE® assistance program reserved for clients benefiting from National Bank privilege offer by sending you a 30-day notice. You are entitled to cancel the program with no penalty if you do not agree to the modifications.

Ready to apply?

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


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