Canadian bank guide

National Bank of Canada: mortgages, credit cards and banking products in Canada

National Bank of Canada offers mortgages, credit cards, everyday banking, investments, and wealth services. It can be relevant for borrowers comparing national lenders and Quebec-focused banking options.

Canadian bankCanada-wide with a strong Quebec presence

Specific products

National Bank products, fees and advantages to check

Planning snapshot reviewed 2026-07-12. These product notes are on a monthly review cycle. Fees, rates, offers, eligibility, and product names can change, so verify before applying.

Chequing package

National Bank chequing packages

Fee or rate note: Monthly fees vary by package; verify current package price, transaction limits, and rebate rules.
Main advantages: Quebec-strong branch network, digital banking, everyday accounts, and bundles for different usage levels.
Watch-out: Some packages are better for high transaction volume; light users may not need a premium plan.

Verify with National Bank ->

Premium card

National Bank World Elite Mastercard

Fee or rate note: Annual fee applies; verify current primary/additional-card fee and eligibility.
Main advantages: Travel-oriented rewards, insurance, and premium Mastercard benefits.
Watch-out: Premium-card value depends on travel use, income eligibility, and redemption value.

Verify with National Bank ->

Mortgage

National Bank mortgages

Fee or rate note: Rates and mortgage costs vary by term, borrower, province, and property.
Main advantages: Fixed, variable, renewal, refinance, and home-equity options from a national lender.
Watch-out: Compare regional service coverage and penalty terms with Big Six and credit-union options.

Verify with National Bank ->

Investing

National Bank Direct Brokerage / investment products

Fee or rate note: Trading, fund, advisory, and account fees depend on platform and product.
Main advantages: Self-directed and advised options for registered and non-registered accounts.
Watch-out: Compare platform fees, ETF/stock commissions, and advice costs.

Verify with National Bank ->

National Bank product areas to compare

This is a practical map of the main product categories readers usually compare at National Bank of Canada. Availability, rates, fees, and eligibility can change, so use the official links below to confirm current details before applying.

Product area	Examples to check	What to compare	Next step
Bank accounts	chequing accounts savings accounts student banking newcomer services where available	Monthly fees, transaction limits, minimum-balance waivers, e-Transfer access, ATM or branch access, and app tools.	Compare ->
Savings and registered products	high-interest savings GICs or term deposits TFSA, RRSP, FHSA, RESP, or other registered accounts where available	Rates, lock-in periods, transfer rules, account fees, contribution-room fit, and whether advice is included.	Compare ->
Credit cards and rewards	cash back cards travel cards low-rate cards premium cards	Annual fee, interest rate, welcome offer, insurance, redemption flexibility, and National Bank rewards and cash back options.	Compare ->
Mortgages and home borrowing	fixed-rate mortgages variable-rate mortgages renewals refinancing home equity lines of credit where available	Rate type, term, amortization, prepayment privileges, penalty formula, insured status, and approval assumptions.	Compare ->
Loans and lines of credit	personal loans personal lines of credit overdraft protection debt consolidation borrowing where available	Interest rate, secured versus unsecured borrowing, repayment flexibility, fees, and whether cheaper alternatives exist.	Compare ->
Investing and wealth	self-directed investing mutual funds or portfolios financial planning registered and non-registered investment accounts	Management fees, trading costs, advice model, product choice, account minimums, and suitability for your goal.	Compare ->
Insurance and protection	card insurance benefits mortgage creditor insurance where available third-party or partner insurance to verify directly	Provider, exclusions, cancellation rules, age limits, claim process, bundling discounts, and whether coverage overlaps.	Compare ->
Business banking	business accounts business credit cards business loans or lines of credit merchant or payment services where available	Monthly fees, payment tools, credit limits, cash-management features, branch support, and total cost for the business.	Compare ->

Mortgages

National Bank mortgage choices may include fixed, variable, renewals, refinancing, and home equity borrowing.
Compare rate, term flexibility, prepayment features, penalties, and provincial service coverage.

Compare with CanadianBankNews ->

Credit cards

National Bank cards may include cash back, travel, low-rate, and premium options.
Compare fees, reward categories, insurance, income requirements, and redemption flexibility.

Compare with CanadianBankNews ->

Everyday banking

Bank accounts may include chequing, savings, student, newcomer, and business products.
Compare account costs, transaction limits, digital tools, and branch or ATM access.

Compare with CanadianBankNews ->

Savings and wealth

National Bank offers investing and wealth services through registered accounts, brokerage, and advisory channels.
Compare fees, investment choice, account minimums, and advice model.

Compare with CanadianBankNews ->

What to compare before choosing National Bank

For mortgages

Compare the rate, term, prepayment privileges, penalty formula, approval assumptions, and whether the product fits your renewal, purchase, or refinance.

For credit cards

Compare the annual fee, reward value, income requirement, insurance coverage, foreign transaction fees, and how easy rewards are to redeem.

For accounts and wealth

Compare monthly account fees, minimum balance rules, transfer limits, savings rates, investment costs, and whether advice is digital, branch-based, or managed.

Official National Bank links

Use these official pages to confirm current rates, fees, eligibility, and product availability before applying.

National Bank personal banking ->National Bank mortgages ->National Bank credit cards ->

Related CanadianBankNews guides

AI Mortgage Advisor and affordability calculator ->Weekly mortgage rate alerts ->Canadian credit card comparison guides ->Debt consolidation options in Canada ->

CanadianBankNews is not affiliated with National Bank of Canada. This guide is educational and does not recommend a specific product. Product details, rates, fees, eligibility, and offers can change. Confirm details directly with the financial institution before applying.