Your student banking offer

A bank account, credit card and line of credit built for students 

Get the offer

A quick look at our offer for students

  • A bank account with no fixed monthly fees1
  • A mycredit™, 2 Mastercard® credit card
  • A personalized line of credit3

Credit card offer benefits only available to those of legal age

Make an appointment with an advisor to get the offer.

Our banking products for your studies

Choose National Bank to save on fees and benefit from a bank account, credit card and line of credit built for students.

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If you’re between 14 and 24 years old, enjoy The Connected® chequing account with no fixed monthly fees1

  • Unlimited digital transactions
  • Unlimited use of Interac e-Transfer®
  • Digital cheque deposits
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A National Bank mycredit™ Mastercard credit card2

  • No annual fee (20.99% interest rate on purchases and 22.49% interest rate on cash advances)
  • Up to 1% cashback
  • Mobile phone damage protection

See conditions ↓

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A line of credit for unexpected expenses3

  • Lower interest rates than a credit card
  • Ideal if you want to pay as little as the interest on the amount used until the end of your studies
  • Credit limits set according to your needs

See conditions ↓

You can choose your products separately

Choose a financial product that fits your needs: 

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The Connected® chequing account

Enjoy free unlimited digital transactions and use of Interac e-Transfer®.

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The mycredit Mastercard credit card for students

Get up to 1% cashback and mobile phone damage protection. 

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Your student line of credit

Focus on your studies when you apply for a student line of credit tailored to your needs.

Take a look at our other banking offers

Our specialized offers based on your field of study

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What are you studying?

Check to see if one of our offers matches your field of study to enjoy even more benefits and savings. 

Offer for professionals

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Do you have your diploma, or will you receive it soon?

Check out our various offers for professionals. We’re by your side as you start your care

Offer for newcomers

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Open a bank account in Canada

Are you coming to Canada for your studies? Enjoy a bank account with no fixed monthly fees for up to 3 years.4

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Did you know that by signing up for our offer for students, you can transfer your student line of credit to National Bank for up to 6 months after you graduate while enjoying your benefits?5

Contact us for personalized support

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Chat with us

Get quick help when you contact us through Facebook Messenger.

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Need personalized advice?

Make an appointment with one of our experts either in-person, over the phone, or by video call.

Little details that matter

  1. Bank account The Connected ® with chequing privileges. Some services such as statements by mail are not included. Included services and fees for non-related services are listed in our Fee Guide – Personal Banking Solutions available in branch or at
  2. Subject to credit approval by National Bank of Canada. Certain conditions apply.
  3. Subject to credit approval by National Bank. Certain conditions apply. An endorser (guarantor) meeting National Bank's criteria may be required. Annual amount is allocated based on personal budgetary needs. 
  4. Year 1: No fixed monthly fee. Years 2 and 3: No fixed monthly fee if you sign up for all the required products and services, complete all required transactions each month and keep the product in our offer for newcomers. Some fees for transactions not included in the offer for newcomers may apply. For more information, see our offer for newcomers page.
  5. Subject to credit approval by National Bank. Transfer is possible during and after graduation. To maintain student benefits, the transfer of the line of credit to National Bank must be made no later than 6 months after graduation. You must provide proof of attendance from your Canadian post-secondary institution (the last available proof if transferring at graduation) and your most recent transcript showing completion. The usual terms and conditions of the student line of credit also apply to the transfer, with the necessary adaptations. 

® THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada. 

® MASTERCARD is a registered trademark of Mastercard International Inc. Authorized user: National Bank of Canada. 

Eligibility criteria

Minimum age: Age of majority in the province or territory where you live 

Legal status: Canadian resident

Visit the branch once a year to update your file. Show two pieces of ID, proof of full-time student status and your most recent transcript.

Cashback of 1%

Subject to credit approval by National Bank of Canada.  The cashback granted is 1% on restaurant purchases and on recurring pre-authorized payments when you use recurring automatic transfers with your mycredit account. The cashback of 0.5% applies to all other eligible purchases during a billing cycle. The account must be in good standing when the cashback is awarded. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). These eligible automatic transfers are defined as regular payments automatically withdrawn by a merchant on your credit card. Balance transfers, cash advances and fees resulting from the use of the card are excluded from the cashback calculation. For conditions and restrictions that apply to cashback rewards, refer to the Cashback Program [PDF].

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

Balance transfers and cash advances

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

Mobile protection

Subject to the mobile device’s purchase with the card or mobile plan settled by recurring pre-authorized payments from your mycredit account.

Eligibility criteria

You must meet the following criteria:

  • Be a full-time or part-time, post-secondary student
  • Be a Canadian citizen or a permanent resident 

Visit the branch once a year to update your file. Show two pieces of ID, proof of full-time student status and your most recent transcript.

Subject to credit approval by National Bank.

Interest rate on the student line of credit

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Student line of credit 
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- You asked: “How do I save for my studies?” 


I’ll explain faster than I can make a 3-cheese pizza. 

- Oh... we only have one. 

- Fine, a 1-cheese pizza. 

Getting a good education is a big deal, but it also comes with big expenses. 

Tuition fees 


Cellphone and laptop 


Are you going to live at home or on campus? 

And what are you going to eat? 

Because I don’t suggest an all-ramen diet. 

- Hey! I’m making a pizza over here. 

- Right. 

A lot of people ask themselves how they’re going to pay for all that. 

Ask your parents if they’ve put any money aside in a college fund. 

If not, they might lend you a hand anyway. 

Cause you’re a good kid! 

Another option: 

The government offers financial aid to students. 

Also known as loans and bursaries. 

The loans come at a very low interest rate, that you repay after your studies. 

Bursaries don’t need to be repaid at all. 

A student line of credit can be flexible. 

- Like mozzarella! 

- Right. You start with a pre-determined line of credit, at a rate substantially lower than a credit card, that’s recalculated every year. 

You determine how much you borrow and the rate at which you’ll pay it back. 

But remember, you’re responsible for your monthly interest payments and you’ll have to start repaying the credit line 12 months after you graduate. 


Finally, my 3-cheese pizza. 

- You got delivery? 

- You don’t have an oven. 

- Oh, yeah.