Key takeaways
- Ending soon: Scotiabank chequing bonus (Oct 29), RBC and BMO card offers (Oct 31), Simplii savings promo (Oct 31)
- Then: Scotiabank card offer (Nov 1), TD package (Nov 2), National Bank (Nov 3)
- BMO NewStart and CIBC Smart Account offers show no end date
- TD’s end date is November 2, 2026 on both of its newcomer pages
Active newcomer bank offers, October 2026
Sorted by end date. “Checked” is the day we last confirmed the offer on the bank’s own page.
| Bank | Offer | Starts | Ends | Checked |
|---|---|---|---|---|
| Scotiabank | StartRight: $700 chequing bonus (+ $200 savings, + $100 card), first year with no monthly fee | Jul 3, 2026 | Oct 29, 2026 | Oct 5, 2026 |
| RBC | Newcomer Advantage: Cash Back Mastercard with up to $15,000 limit and up to 12% bonus cash back for 3 months | – | Oct 31, 2026 (card applications) | Oct 5, 2026 |
| BMO | CashBack Mastercard: up to 5% cash back for 3 months (max $125), no credit history needed | – | Oct 31, 2026 (applications received) | Oct 5, 2026 |
| Simplii | High Interest Savings: 4.60% for 5 months, new clients, up to $200,000 | Aug 1, 2026 | Oct 31, 2026 | Oct 5, 2026 |
| Scotiabank | Credit card welcome offers for newcomers (Passport Visa Infinite up to 35,000 points) | Aug 4, 2026 | Nov 1, 2026 | Oct 5, 2026 |
| TD | New to Canada package: $500 cash, 12 months free Unlimited Chequing, 4% savings bonus for 3 months, $150 bundle, card offers | Jun 4, 2026 | Nov 2, 2026 (qualifying transactions must post by Jan 4, 2027) | Oct 5, 2026 |
| National Bank | Newcomer offer: up to $600, no fixed fee in year 1 | – | Nov 3, 2026 | Oct 5, 2026 |
| Simplii | No Fee Chequing: $350 with a $100+ direct deposit | – | Jan 1, 2027 | Oct 5, 2026 |
| RBC | Free small safety deposit box for one year (newcomer package) | – | Jul 31, 2028 | Oct 5, 2026 |
| RBC | 12 months with no fee on Advantage Banking; 4.60% savings promo for 3 months; $0 RBC fee on international transfers | – | No end date shown | Oct 5, 2026 |
| BMO | NewStart: 24 months with no Performance plan fee, up to $900 cash, $325 GIC bonus interest | – | No end date shown | Oct 5, 2026 |
| CIBC | Smart Account for Newcomers: up to 24 months with no fee, $500 + $100 card bonus | Jan 22, 2026 | No end date shown | Oct 5, 2026 |
| Tangerine | Savings Account: 4.50% for 5 months for new clients | Dates not shown on the offer page | Oct 5, 2026 | |
For fees, eligibility and conditions, see Big 5 newcomer offers and best bank accounts for newcomers.
How we track offers
- We read each offer on the bank’s own website, including the legal terms. We do not copy offers from comparison sites.
- We record the start and end dates exactly as the bank publishes them. When a bank shows no end date, we say so. Banks can end or change an offer early.
- We re-check every row at least monthly and in the week before a published end date. When two pages from the same bank disagree, we record the date from the offer’s legal terms and note the conflict. For TD, both the package page and the offers page showed November 2, 2026 on October 5, 2026.
- When an offer ends, we remove it here and update the pages that mention it.
- No bank pays to be listed, and the order is by end date only.
How we handle offers. Offers on this page come from each bank’s own website and were last checked on October 5, 2026. Banks change offers often, so confirm the details on the bank’s site before you apply. No bank pays to be included or ranked here. If a link on this page ever earns us a commission, we will label it next to the link.
How to use this tracker
- Find the offers that end soonest and that you qualify for. Most need you to have arrived in the last 1 to 5 years; RBC’s window for permanent residents is 12 months.
- Open the account before the end date. For most cash bonuses, you then have about 60 days to set up the direct deposit and transactions.
- Keep a copy of the offer terms on the day you apply.
- Put the fee waiver end date in your calendar. Our fee waiver calculator finds it for you.
Unsure which offer fits? Try the bank picker quiz.
Common questions
Which newcomer bank offers end in October 2026?
Scotiabank’s StartRight chequing bonus (October 29), RBC’s and BMO’s newcomer credit card offers (October 31) and Simplii’s 4.60% savings promo (October 31), as of October 5, 2026.
When does the TD newcomer offer end?
TD’s New to Canada package runs from June 4 to November 2, 2026. The qualifying transactions for the $500 must post by January 4, 2027.
What if an offer ends before I can open my account?
Banks usually replace newcomer offers with new ones. The fee waiver and starter card are long-running; cash amounts and end dates change. Check this page again or ask the bank.
How often is this page updated?
At least monthly, and in the week before each published end date. Each row shows when we last checked it.
Sources
- Scotiabank: StartRight newcomer offer
- RBC: Offers for permanent resident and foreign worker newcomers
- BMO: NewStart newcomer bank account offers
- BMO: CashBack Mastercard
- Simplii Financial: High Interest Savings offer
- TD: New to Canada banking package
- TD: Banking offers for newcomers
- National Bank: Bank account for newcomers
- CIBC: Banking offers for newcomers
- Tangerine: Savings Account promotional rate