Banking products and services for newcomers

Discover solutions tailored to your needs to help you make the most of your future in Canada.

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Step into a limitless future

Your plans for life in Canada involve a lot of change and decisions. We've put together a list of essential resources to help you realize your ambitions and guide you through every major step of your journey.

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Advice on getting settled

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Canadian immigration guide

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An industry-recognized offer

Build your future with our banking products for newcomers

As a newcomer, you have access to a full range of banking products designed to meet your needs. Begin by opening a chequing account, essential for effective financial management. From there, select additional products that enable you to focus on what truly matters: building your future in Canada.

Start simple

Offer for up to 3 years with no fixed monthly fees 1

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Chequing account

Manage your day-to-day finances:

  • Salary direct deposit 
  • Pay your bills 
  • Send money
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Credit cards

Allows you to:

  • Make online or in-store purchases 
  • Build a good credit history by paying off your balance on time 
  • Earn rewards points or cashback when you choose the card that meets your needs 2

Move your projects forward

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Savings and investments

Allow you to:

  • Build an emergency fund 
  • Put your plans into action, whether they involve buying your first home, your retirement, or your children's education. 
  • Earn a return on your money by choosing your own investment options, or by working with our specialists. 

 

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Car loan

Allows you to:

  • Facilitate the purchase of a vehicle 
  • Benefit from repayment conditions adapted to your situation
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Mortgage

Allows you to:

  • Achieve your dream of home ownership even without credit history in Canada 2
  • Flexible repayment options adapted to your situation 

*Reassure your seller by getting pre-approved— our commitment to financing your property purchase, valid for six months.

More options to help you go even further

Discover additional banking services that can help you manage your day-to-day needs and realize your present and future aspirations.

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International transfers

Send money internationally, online and in just a few simple steps. Transfer money to India, 19 EU countries and more. Charges may apply.

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Legal support service

Get free legal information for 12 months 3 by consulting a lawyer to get answers to your everyday questions on topics like immigration, housing, and education.

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Your online bank

There's no need to visit a branch to manage your finances. You can do so easily from your online bank and complete all your transactions in just a few clicks. It's simple, convenient, and should you need it, our advisors are always ready to help.

Our industry awards 

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2025

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

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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.

We’re here for you

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Do you need personalized advice?

Come meet us or give us a call. We’re happy to answer your questions.

 


Toll free: 1-888-835-6281

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Chat with us

Get help in real time with our Facebook Messenger chat option

 

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Any questions?

Visit our Help centre to find the answers to your questions.

 

Little details that matter

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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