Personal

Bank accounts

Bank accounts

Chequing accounts

The Connected The Total The Modest The Minimalist FAQ View all chequing accounts

Savings accounts

High interest Special projet USD progress The Strategist FAQ View all savings accounts

Exclusive offers

New clients Professionals Students Newcomers to Canada

Where to carry out transactions

National Bank online Mobile app ABMs FAQ

Day-to-day transactions

Mobile Payment Interac e-transfer Mobile cheque deposit Ordering foreign currency Banking services

Credit cards

Credit cards

Credit card categories

Travel Cashback Rewards Low interest rate No fee

Mastercard credit cards

World Elite World Platinum Echo cashback MC1 FAQ View all cards

Card benefits

Priceless cities VIP lounge at Montréal Airport Concierge services View all benefits

Insurance

Credit card payment insurance

Borrowing

Borrowing

Loans

Personal loan Car loan RRSP loan FAQ

Lines of credit

Personal line of credit Home equity line of credit Home improvement line of credit Student line of credit FAQ

Insurance

Loan and line of credit insurance FAQ

Mortgages

Mortgages

Mortgage solutions

Mortgage loan Home equity line of credit Home improvement line of credit Self-employed worker FAQ

Services offered

Pre-approval Refinancing Renewal HBP

Mortgage calculator

Calculate your payments Mortgage calculators Should you rent or buy How much can I borrow

Mortgage rates

View all rates

Insurance

Mortgage loan insurance

Savings and investments

Savings and investments

Savings plans

RRSP TFSA RESP View all plans FAQ

Savings accounts

High interest Special project USD Progress The Strategist View all savings accounts FAQ

Investment Solutions

NBI Private Wealth Management NBI Portfolios NBI Funds View all our solutions FAQ

GICs

Conventional redeemable Non-redeemable Irregular term Diversified View all GICs FAQ

Insurance

Insurance

Insurance products

Loan and line of credit insurance Mortgage loan insurance Travel insurance Credit card payment insurance FAQ

Services offered

Insurance claims

Assistance

SecuriZone 2.0

Business

My Business

My Business

Stages of Development

Launch Growth Transfer

Specialized Sectors

Agribusiness Agri-food Business Professionals Energy Services Fisheries and Fishery Products Forestry Franchise Healthcare Professionals Healthcare and Life Sciences Insurance Brokers Manufacturing Companies NPOs and Associations Public Sector Real Estate Technology TV and Motion Picture

Banking Solutions

Banking Solutions

Bank Accounts and Packages

Opening an Account Welcome Offer Start-Up Package Accounts Packages

Operations Management

Internet and Mobile Banking Solutions Cash Management HR Solutions Overdraft Protection Payment Processing

International

International

Our Global Trade Solutions

Foreign Exchange Risk Hedging Foreign Currency Accounts Payment Solutions Managing Your Commercial Transactions Cross-Border Solutions Foreign currencies exchange rates

Financing

Financing

Financing Solutions

Short-term Long-term Acquisition Indirect Financing Solutions for the Retail Industry Crowdfunding Loan Insurance

Credit Cards

Promotions and News Mastercard Business Platinum Mastercard Business Mastercard Business Line Mastercard Corporate U.S. Dollar Mastercard Business Credit Cards

Investing

Investing

Investments

Business Investment Account Guaranteed Investment Certificates Mutual Funds and Other Trust Services

Tips and Tools

Tips and Tools

Tips

See our Financial Advice Site

Tools

Directory of Resources My Business Model

Wealth management

Français

CLOSE

Savings plans

Because the future starts today

Invest tax-free

Want to learn more about savings plans?

We can help.

Start ↓

Ready to invest?

Take a look at the available plans.

See all plans ↓

Ask an expert

A retirement and investment specialist can find the best solution for you.

Make an appointment

What is a registered plan?

A registered plan allows you to grow your savings tax-free.

Perfect if you are looking to:

Get tax breaks on your investments
Save for your medium- and long-term projects

What you need to know about registered plans

Registered plans

Registered plans

Your contributions are deducted from your taxable income. There is a limit to how much you can contribute each year.

Perfect if you are looking to:

Grow your investment tax-free.

Non-registered plans

Non-registered plans

No contribution limit.

Perfect if you are looking to:

Save without having to worry about contribution limits, withholding taxes or fees.

Plans and investments

Plans and investments—what's the difference?

Your registered plan is like a container for your savings. You can hold various investments (GICs, NBI Portfolios, etc.) within the plan.

Choose your plan

Registered plans

Registered Retirement Savings Plan (RRSP)

Save for retirement, buying your first home, or going back to school.

See our RRSPs

Registered Education Savings Plan (RESP)

Finance your children's post-secondary studies.

Tax-Free Savings Account (TFSA)

Save for your medium- and long-term projects.

Other plans

Annuities and retirement funds

Withdraw funds from your RRSP after retirement.

See our RRIFs, LIRAs and LIFs

Group pension plans

For business owners who want to offer their employees a pension plan.

Get personalized advice from a retirement and investment specialist.

Make an appointment

Investments

Guaranteed Investment Certificates (GICs)

Enjoy a fixed or market-linked rate while protecting your initial investment.

Managed solutions and investment funds

Trust our experts to manage your investments.

See our managed solutions and investment funds

See all our solutions

Speech bubble icon

Expert advice

Tell me more!

RRSP and TFSA comparison

Reduce your investment tax obligations

Home Buyers' Plan (HBP)

Lifelong Learning Plan (LLP)

Retirement advice and strategies

Screwdriver and wrench icon

Toolbox

Take stock of your financial situation.

Compare RRSP and TFSA contributions

Set a savings goal

Your retirement income

Your investment goal

Understanding savings plans

Plan A and plan B cards pegged on a line

RRSP or TFSA? Look at your tax rate

Woman leaning out of car window reaching for the sun

Contributing to an RRSP to Pay Less Tax: 4 Real‑Life Cases

Man wearing a tie draws cartoons on a glass surface

How group RRSPs work

See all articles

Ready to invest?

Talk to a retirement and investment specialist to choose a plan or contribute online.

Make an appointment

1-888-483-5628

Frequently asked questions icon

Frequently Asked Questions