Offer details

Up to

$1,411

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

  • Nurses
  • Licensed practical nurses
  • Registered nurses 
  • Registered practical nurses 
  • Nurse practitioners

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

Icône symbole addition

Get two 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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Tip

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.

Advantages

  • 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
  • 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 rate + 0.75%

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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 + 0.50%

2.95%

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

Picto Investment expert

Meet with an Investment and Retirement advisor

With extensive experience in investment and retirement planning, your advisor can help you create a strategy and suggest solutions tailored to your situation.

Find your advisor

Logo National Bank Direct Brokerage

Manage your investment accounts independently

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

Advantages:

  • Stock commissions at $0 per trade13
  • Canadian and American Exchange Traded Funds at $0 commission14
  • No annual administration fee
  • Optimized online brokerage platform

Discover National Bank Direct Brokerage

Logo 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.

Advantages:

  • 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

 

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®

Get a special rate of 20% or 50% off the SECURIZONE® product selected15. Take advantage of tools and products to improve your security and get assistance in the event of identity theft and fraud.

Discover the SECURIZONE program

Doctor in a hospital

Save while you study

Students

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 offer for students

National Bank is a proud partner of

Ordre des infirmières et infirmiers du Québec logo
Ordre des infirmières et infirmiers auxiliaires du Québec logo

Little details that matter

Eligibility criteria

  • Provide proof of professional status.14
  • Have a bank account and a credit card eligible for the offer.15

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 are registered trademarks of National Bank of Canada.

TM THE TOTAL is a trademark 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 $1,411 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: a banking package equivalent to The TotalTM, 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 fees for transactions included in The TotalTM package (annual savings of $311), plus an annual 0.25% rate discount on the All-In-One line of credit (annual savings of $375), plus an annual 0.50% rate discount on the All-In-One line of credit (annual savings of $750), plus an annual 2.00% rate discount on a personal line of credit (annual savings of $500), minus the annual fee for the World Elite® Mastercard® for a year. These savings represent the difference between what a client with the offer and a client without it would pay. Certain eligibility 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.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate
Average balance
$500 $3,000
22.49% $9.24 $55.45
20.99% $8.63 $51.76
14.5% $5.96 $35.75
8.9% $3.66 $21.95

*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. 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.

10. 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.

11. 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 nbc.ca/primerate.

12. 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.

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

14. 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.

15. Preferred monthly pricing of $2.95 (individual) or $4.45 (family) plus taxes for SECURIZONE 2.0, $4.95 (individual) or $7.50 (family) plus taxes for SECURIZONE Alert, or $14.35 (individual) or $20.75 (family) for SECURIZONE Assistance. This represents a discount of 50% off SECURIZONE 2.0 and SECURIZONE Alert, and 20% off SECURIZONE Assistance. The preferred rates for holders of National Bank's privilege offers will remain in effect for as long as you're eligible for an offer. If you no longer have a privilege offer, the regular monthly pricing of $5.95 $ (individual) or $8.95 (family) plus taxes for SECURIZONE 2.0, the regular monthly pricing of $9.95 (individual) or $14.95 (family) plus taxes for SECURIZONE Alert, or the regular monthly pricing of $17.95 (individual) or $25.95 (family) plus taxes for SECURIZONE Assistance will apply.
  
NBC Assistance Inc. and National Bank can terminate or change the duration and preferred rate of SECURIZONE products for holders of National Bank's privilege offers at any time, with 30 days' notice prior to the effective date of the amendment. This notice will contain the new and amended clause, the old clause that was amended (if applicable), and the effective date of the amendment. If you do not agree to the changes, you can cancel the program with no penalty by sending us a notice no later than 30 days after the changes come into effect.

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