Banking offers for newcomers to Canada
让您的新生活更轻松。 When you open a Performance Chequing Account with the BMO NewStart® Program, you’ll find exclusive offers for credit cards, investing and overseas money transfers.
准备好开始了吗？几分钟内即可开设一个账户。
The BMO NewStart Program has offers valued at more than $2,100 footnote section
我们知道开启新生活可能困难重重，因此，我们随时为您服务！ With the BMO NewStart® Program, get special banking offers and financial guidance to help make Canada your new home.
The BMO NewStart® Program has offers valued at more than $2,100
获得免年费8信用卡
- Credit Cards offers
获得高达$125价值
礼遇：
- 无需信用记录†
- Get up to 5% cash back in your first 3 months‡‡ with a BMO CashBack Mastercard with a value of max. $125 in cash back OR
- 25,000 bonus points for you with a BMO eclipse rise Visa Card. Get 20,000 points when you spend $1,500 in the first 3 months.91 Plus, earn up to 5,000 bonus points every year!94, 95
申请抵押贷款以购买您的住房
- Mortgage offers
礼遇：
- 130-day mortgage rate guarantee – the longest of any major Canadian bank. 脚注星星
Other services that BMO provides
入境前银行账户申请
The BMO NewStart® program allows residents of a 符合我们在线申请资格的国家包括： Antigua and Barbuda, China, Colombia, Costa Rica, India, Morocco, Pakistan, Peru, Philippines, Saint Vincent and the Grenadines, Senegal, Trinidad and Tobago, Vietnam. 申请支票账户和（如果您是国际留学生）担保投资证 (GIC)。在线开设账户，迁居之前可汇入高达$75,000。
商业银行
创业令人兴奋，但也会带来很多意外和隐性成本。我们提供的各种工具可帮助您选择合适的商业银行账户、挑选合适的商业信用卡、获得贷款以支付业务成本等。
Learn more about Canadian banking with BMO SmartProgress™
Explore personal finance topics like homebuying, credit scores, preventing identity theft, and developing a savings plan with our online financial wellness tool, BMO SmartProgress™.
支票账户优惠常见问答
The BMO NewStart® Program offers banking products and services for permanent residents and foreign workers for their first five years in Canada.该计划为您在加拿大展开新生活提供更多便利。 Learn how the BMO NewStart® Program can help you.
To be eligible for the BMO NewStart® program, you must be a permanent resident or foreign worker who arrived in Canada within the last five years.您需要加拿大居民身份证明，例如您的永久居民卡、永久居民确认文件或工作许可。
Once you arrive in Canada, to open a Performance Plan Chequing account with the BMO NewStart® program, you’ll need the following documents:
- 您的加拿大永久居民卡、永久居民确认文件（IMM 5292或IMM 5688）、工作许可（IM 1442）或学习许可。
- 一张带有照片的政府身份证件——如护照或加拿大驾照。More information about valid photo identification.
如果你已经有了社会保险号和加拿大地址，你可以在线开设账户。 Find the right bank account for you.
有关现金奖励优惠的详细信息，请查看完整的条款及条件。
BMO家庭理财组合让您的家人可享受免费的日常银行服务，同时还能享受独立支票账户的各种礼遇与隐私保护。获取有关BMO家庭理财组合的全部信息。
不，即使您添加了超过一位的家庭成员，奖励的最大金额也不能超过$50。
账单的支付需要通过网上银行服务或手机银行服务，这样才能获取奖励。
想获得优惠，每笔账单的费用都不能少于$50。
想获得优惠，每笔预授权付款的数额都不能少于$50。
通过网上/手机银行支付的每笔不少于$50的BMO信用卡账单可以被视作符合要求的支付。通过网上/手机银行向BMO信用卡转账则不算作账单支付。
一切准备就绪？
进来和我们谈谈
拜访您最近的分行，聊一聊您在加拿大的财务前途。
- Footnote section details$2,100的价值假定客户有资格获得与BMO NewStart计划相关的奖励、优惠与礼遇，其计算方法如下：i) Up to $600 total cash bonus when you open and fund a new Canadian Dollar Primary Chequing Account and Savings Amplifier Account; ii) bank plan fee waiver for 12 months for a value up to $203.40 ($16.95 per month); iii) $60 cash bonus with rental of a safety deposit box; iv) Unlimited BMO Global Money Transfers with no fee up to $120 annual value based on two money transfers per month for 12 months using BMO Global Transfer at a fee of $5 per transfer; v) Family members in your household save $203/year on monthly bank plan fees with BMO family bundle; vi) save $155/year with fee waiver for OnGuard; vii) $60 cash bonus for one cheque book; viii) Up to $125 in cash back with 5% cashback in the first 3 months with a BMO CashBack® Mastercard; ix) Receive an estimated value of $235.06 in total interest when you open and fund a new Savings Amplifier Account. Earn bonus interest for a total rate of 5.50% for up to 120 days from the account open date (Promotion Period) on deposits made to your BMO Savings Amplifier Account10 x) Receive an estimated value of $325 in bonus interest when you open and fund a 1–5-year BMO Guaranteed Investment Certificate. Calculation assumes the following: A balance of $50,000 is deposited into a 1-year BMO Guaranteed Investment Certificate at a 5.40% interest rate where regular rate is 4.75% and the Newstart program applies a special bonus interest of 0.65% to total rate xi) Get a $50 Walmart Canada gift card when you qualify for the NewStart welcome offer. 查看条款和条件。
- Footnote dagger detailsSubject to credit approval. To be eligible for the BMO NewStart® Program, you must be a permanent resident or foreign worker who arrived in Canada within the last five (5) years, and you must be at the age of majority in your province or territory of residence at the time of account opening. 能够证明是在过去的五(5)年内获取的加拿大永久居民卡、永久居民确认文件或工作许可证(IMM 1442)。申请BMO NewStart®计划的信用卡，无需提供加拿大信用记录。如果您不符合无担保BMO信用卡的资格要求，只要您向我们支付保证金并满足BMO的资格标准，您仍可能有资格获得信用卡。
- Footnote star detailsWe guarantee your interest rate for the selected fixed rate mortgage type and term for up to 130 days from the rate guarantee start date.如果抵押贷款在130天内未筹集到资金，则利率担保失效。只适用于住宅抵押贷款，并须符合满地可银行针对住宅物业的贷款标准。截至2023年1月9日，利率保证期比任何主要加拿大银行都要长。
- 脚注1详情 需遵守相关条款及条件
- 脚注2详情 To qualify for any special offer pertaining to the BMO NewStart program as set out above, a customer must be a permanent resident or foreign worker who arrived in Canada within the last five (5) years, and you must be at the age of majority in your province or territory of residence at the time of account opening. 能够证明是在过去的五(5)年内获取的加拿大永久居民卡、永久居民确认文件或工作许可证(IMM 1442)。 The Bank Plan offer included in the BMO NewStart program applies to the Performance Plan only.其他银行计划也可提供，但不包含在此折扣银行服务优惠中。 You are eligible to receive the full monthly Plan fee rebated for a twelve (12) month period and are responsible for all transaction, service and product fees not included in your Bank Plan. After the twelve (12) months of being enrolled in the BMO NewStart program, eligibility for the monthly Bank Plan fee waiver ends and the full monthly Bank Plan fee ($16.95/month) will be applied to your account automatically.
- 脚注3详情 Please check with your local BMO branch for availability. Receive a $60 cash bonus with the BMO NewStart Program when you open a Primary Chequing Account in the Performance Plan under the BMO NewStart Program and rent a safety deposit of any size. Not all sizes are available at all BMO branches.
- 脚注4详情 The transfer fee is waived when the transaction is completed through an eligible account with the Premium Plan or the Performance Plan in the BMO NewStart Program. Up to $120 annual value is based on two money transfers per month for 12 months using BMO Global Transfer™ at a fee of $5 per transfer. 转账费用金额是动态的，可能会发生变化。外币汇率依然适用。参与转账的其他银行可能会向收款人收取额外费用。
- 脚注5详情 BMO CashBack Mastercard applications must be received between September 2, 2022 and May 31, 2024 to receive the 5% cash back welcome bonus offer. 5%奖励率适用于迎新优惠活动期间$2,500以内的有效消费（高达$500超市有效消费，高达$500周期性账单付款有效消费，以及高达$1500所有其他有效消费，扣除退款并且不含提现、类现金交易、利息、费用、贷方或借方调整），现金返还最高可达$125。详情请见下文：
- 超市消费：每个计费周期$500以内的有效超市消费可获得3%现金返还（根据Mastercard的“商户类别代码”分类为“杂货店和超市”MCC 5411) ，最初三（3）个计费周期内$500以内的所有合并超市消费可额外获得2%现金返还奖励。在迎新优惠期间，您总共可以从符合条件的超市消费中赚取高达$25的现金返还。
- Recurring Bill Payments: Receive 1% cash back on the first $500 spent on eligible recurring bill payments (defined as payments made on a monthly or regular basis, and which are automatically billed by the merchant to your BMO CashBack Mastercard per billing cycle and an additional 4% bonus cash back up to a maximum of $500 spent on all qualified recurring bill payments in the first three (3) billing cycles.对于如上所述同样被归类为超市、交通或汽油和电动汽车充电消费（按Mastercard的“商户类别代码”分类）的周期性账单付款，您将无法获得任何现金返还奖励，而且须遵守符合条件的超市、交通或汽油和电动汽车充电消费的奖励上限规定。总而言之，在迎新优惠期间，您可以从符合条件的周期性账单付款中赚取高达$25的现金返还。
- 所有其他消费：消费可获得0.5%现金返还，最初三（3）个计费周期内，$1,500以内的消费可额外获得4.5%现金返还奖励。您总共可以从符合条件的消费中赚取高达$75的现金返还。
- 5%现金返还奖励优惠仅限于新开的BMO CashBack万事达卡账户，而恢复已关闭账户、产品转让或开设新账户的现任或前任持卡人无法享受此优惠。每个账户仅限获得一次奖励。如果您在开户之日起九十（90）天内取消信用卡，则在此期间赚取的所有现金返还奖励都将被取消。此优惠可能会撤回或变更，恕不另行通知。
- 脚注6详情 Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. 提现包括余额转账、类似现金交易和Mastercard支票。 For current rates and fees, visit your branch; or, for Mastercard products call the Customer Contact Centre at 1-800-263-2263, for the BMO eclipse Visa Infinite* Card call 1-833-256-7136, for the BMO eclipse Visa Infinite Privilege* Card call 1-833-265-7137. To review current rates and fees for the BMO Prepaid Mastercard, visit bmo.com/rates-fees-prepaid, for all other credit cards visit bmo.com/rates-fees。
- 脚注7详情 No-fee daily banking with our Family Bundle offers an unlimited number of transactions and Interac e-Transfer transactions per month provided the daily Interac e-Transfer total does not exceed $3,000. Transactions include everyday banking transactions at a BMO branch, BMO ATM, BMO Telephone Banking, BMO Online Banking, BMO Mobile Banking, debit card purchases, cheques drawn on your account and Pre-Authorized Payments. 其他服务和产品费用可能仍然适用。
- 脚注8详情 需遵守相关条款及条件
- 脚注9详情 Receive a cash bonus of $60 (“Cash Bonus”) when you open a Primary Chequing Account in the Performance Plan with the BMO NewStart Program and place an order for cheques through a BMO branch, BMO Online Banking or the customer contact centre within 90 days of account opening. 每位客户每个账户限领一次现金优惠。联名账户只能获得一次现金奖励。主支票账户必须在支付现金奖励时处于良好信誉状态才能获得资格。现金奖励将于支票订购日起90天内支付。如果我们怀疑有任何客户操纵或滥用优惠、或其公正性、完整性、操作性，我们有权自行决定暂停、取消、限制或撤销现金奖励。我们有权随时更改或撤回此项优惠，恕不另行通知。
- 脚注10详情 Receive an estimated value of $235.06 in total interest when you open and fund a new Savings Amplifier Account at any BMO branch or online at bmo.com. Earn bonus interest for a total rate of 5.50% for up to 120 days from the account open date (Promotion Period) on deposits made to your BMO Savings Amplifier Account. 促销期结束后，现有及未来的存款将按各BMO分行公布的利率计算利息，并可在网上查询： bmo.com/rates。计算假设如下：
- A daily closing balance of $13,000 is maintained throughout 120 days.
- Bonus interest of 5.50% is earned on $13,000 over 120 days. 我们可随时更改、延长或撤销此项奖励利率促销，恕不另行通知。
- Any Interest is calculated on the daily account closing balance and paid monthly on the last business day of the month.利息按账户同币种支付。利率按年计算。
- Interest rates and balance tiers are subject to change without advance notice. For full terms and conditions on the bonus rate offer click here。
- 脚注11详情 Interest is calculated on the daily account closing balance and paid monthly on the last business day of the month. 利息按账户同币种支付。利率按年计算。奖励利率和公布利率可随时更改，恕不另行通知。公布利率将在优惠期结束后适用于Savings Amplifier账户。
- 脚注12详情 Calculation assumes the following:
- A balance of $50,000 is deposited into a 1-year year BMO Guaranteed Investment Certificate at a 5.40% interest rate where regular rate is 4.75% and the Newstart program applies a special bonus interest of 0.65% to total rate.
- Note that the regular and bonus interest listed for New Canadians is subject to change or be withdrawn at any time without notice. This bonus rate is as of February 8, 2024.
- 利率按年计算。 Any interest is calculated on the deposit amount and redeemed at the end of the term.利息按账户同币种支付。
- All Walmart Canada trademarks are the property of Walmart Apollo, LLC and are used by BMO with permission.保留所有权利。 For gift card terms and conditions, visit the Walmart Canada website。
- Footnote star, star detailsTerms and conditions apply