NEWCOMERS

Get the most out of our exclusive welcome offer

Open a salary account with no fixed monthly fee for up to 3 years

Open an account online

Eligible from your country up to 90 days before your arrival in Canada. Fill out the secure form online.

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The advantages of our offer for newcomers

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Bank account
    

Open a salary account and take advantage of no fixed monthly fee for up to 3 years, including unlimited electronic transfers.**

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Mastercard® credit card

Get settled in Canada with help from a National Bank of Canada Mastercard® credit card – no credit history needed.3

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International transfers

Send international transfers online to India, the United States, and 19 countries in the European Union.4

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Free legal support service

Get legal information by speaking directly with a lawyer by phone on a variety of everyday topics. 5

Free access for 12 months

Get the offer for newcomers in 3 easy steps

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Open an account online

Fill out a secure form from your home country in just 5 minutes up to 90 days before your arrival in Canada. 

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Receive a confirmation email

Over the following days, you’ll receive an email confirming that you’ve opened an account.

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Make an in-branch appointment

Plan an in-person appointment to finalize the opening of your account and securely transfer your funds.

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Download and read the details of the offer for newcomers in your language:

More than just a bank account

  • Make or receive international transfers 24/7 from your online bank or the National Bank of Canada app.

  • Come visit us at one of our over 350 branches, or access one of our 3,300 ABMs across Canada.6

  • Sign up for an eligible National Bank of Canada Mastercard® credit card and enjoy mobile phone protection, cashback, extended warranties and more.

  • Access your funds abroad through our network of partners around the world.7

  • Enjoy $0 commission on stocks and ETFs when you trade on the National Bank Direct Brokerage platform.

  • Rest assured: your money deposited with National Bank of Canada is protected by the Canada Deposit Insurance Corporation (CDIC)

Discover our offer for newcomers

2 min 16    Transcript

Our industry awards 

Picture of the Milesopedia badge for Best Bank Account for newcomers to Quebec in 2025

2025

National Bank of Canada received the award for "Best Bank Account" for newcomers to Quebec by Milesopedia in 2025.

Picture of the MoneySense badge for Best Bank for Newcomers to Canada for 2024

2024

National Bank of Canada has been named the Best Bank for Newcomers to Canada for 2024 by MoneySense.

Photo of the Milesopedia badge for the best credit card for newcomers in 2023

2023

The National Bank® of Canada mycreditTM Mastercard® credit card was named the best credit card for newcomers by Milesopedia in 2023.

A distinguished client experience 

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82% of our clients who are new to Canada say that they recommend National Bank of Canada.

Internal study on newcomers - 2020

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« I recommended National Bank because they are very welcoming to immigrants and have great customer service »

- Marine, arrived in Canada in 2015

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We got 4.79 stars for our service on PVTistes.net.

January 2022

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Are you planning on studying in Canada?

Our GICs for international students can potentially speed up your Student Direct Stream program application with the Department of Immigration, Refugees and Citizenship Canada.

Who’s the newcomer offer for?

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Permanent residents

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Temporary workers

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International students

Our advice articles to help you get settled in Canada

Talk to us about your projects in Canada

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Ready to apply for the package?

Open a bank account online up to 90 days before your arrival or meet with an advisor once you arrive in Canada.

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We’re hiring!

Are you a qualified worker immigrating to Canada? Join the National Bank of Canada team!

Little details that matter

Back
Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

Virtual assistant