Opening a bank account as a newcomer
Updated 2026-10-25英文原文
Official source: Financial Consumer Agency of Canada ↗
Published 2026-10-25Last checked 2026-10-25Language English
尚未翻译，显示英文原文。
If this page and the official page differ, the official page is right.
Your right to an account
In Canada you can open a personal bank account without a job and without depositing money right away. The bank must see acceptable identification.
What to bring
- Two pieces of identification from the official list, or one piece plus a reference the bank accepts.
- Your immigration document, such as a COPR or a permit.
Newcomer packages
Most large banks offer newcomer accounts with lower fees for the first year and a first credit card without a Canadian credit history. Compare the monthly fee after the offer ends, not only the welcome bonus.
Tips
- Ask for a chequing account for daily spending and a savings account for your savings.
- Ask how to send and receive Interac e-Transfers. Landlords and employers often use them.
一般信息，并非法律建议。 Every guide links to the official source and shows when we last checked it. For your own case, use IRCC’s tools or a licensed consultant.