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Banque Populaire
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Banque populaire
Desjardins, in partnership with Banque Populaire, has developed a product and service offer for Canada's Moroccan community and for those planning to come soon. The offer is designed to meet your financial needs, help you save and facilitate your transactions with Morocco. It can also simplify your financial integration if you're a newcomer to Canada.
This Desjardins offer is for clients of Banque Populaire who:
- have been living in Canada for over 3 years
- have been living in Canada for 3 years or less1
- study in Canada2
The cooperative agreement between the 2 institutions gets you personalized assistance right from Carrefour Desjardins. Among other things, the agreement:
- speeds up and simplifies opening a Desjardins account from Morocco (in just 48 hours on business days); the documents required are transferred from Banque Populaire to Carrefour Desjardins
- simplifies transactions with your family members in Morocco
- teaches you about the Canadian financial system, particularly through conferences designed especially for immigrant clientele
Want to open an account at Desjardins from your home country or once you arrive in Canada? It's easy! Do it online or make an appointment with an advisor.
Open an account| Residents of Canada for over 3 years | Residents of Canada for 3 years or less | Students | |
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Savings account with a free transaction plan for 1 year
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Economy Plus Plan5 includes 12 free transactions per month | Premier Plan6 includes unlimited transactions every month | Premier Plan6 includes unlimited transactions every month |
Preferential rate on funds transfers
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Sending: $7/transfer on AccèsD Internet (daily limit of $2,500) Receiving: free |
Sending: $7/transfer on AccèsD Internet (daily limit of $2,500) Receiving: free |
Sending: $7/transfer on AccèsD Internet (daily limit of $2,500) |
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Preferential rate on funds transfers
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Receiving: $4/transfer | ||
Small safety deposit box free for 1 year7
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Enhanced rate8 for non-redeemable term savings
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| Visa Desjardins prepaid card with no annual fee for the first year9 The card is reloadable up to $5,000 and allows you to make purchases anywhere Visa is accepted, online and abroad. |
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3. For withdrawals from non-Desjardins ATMs in the Interac* or PLUS networks, service charges apply. For individual members of caisses populaires affiliated with Fédération des caisses populaires de l'Ontario inc., Interac network access fees ($1.50 per transaction) are included in all transaction plans
4. Trademark of Visa International Service Association and used under license.
5. Corresponds to the Economy Plus Plan, at $3.95 per month.
6. Corresponds to the Premier Plan, valued at $13.95 per month.
7. Offered at caisses where this service is available.
8. Certain conditions apply. Contact your Desjardins advisor, to find out what enhanced rate you’re eligible for once your file has been examined.
9. Current annual fee of $6.95.
* Registered trademark of Interac Inc. Used under licence.
Desjardins also offers all the other complementary products you may need on your arrival in Canada.
Credit cards
An array of credit cards with various advantages, accepted all over the world.
- No credit history is needed and no security deposit is required10.
- An advisor will be pleased to help you chose the card that's best suited for you.
Learn more - Get a credit card
Prepaid card11
Available in Quebec only
- Reloadable card up to $5,000 that allows you to make purchases anywhere Visa is accepted, online and abroad. You can also use it to withdraw cash from ATMs.
- It costs only $6.95 a year and there are no additional withdrawal, reloading or transaction fees12.
- It also comes with Zero Liability—free protection in the event of unauthorized use of your card.
Foreign currency
- Currency exchange transactions
- New accounts
- Drafts and cheque cashing
Visitors to Canada Insurance
If you are a newcomer to Canada and are not yet covered by a provincial health plan, you can get the Visitors to Canada Insurance. This essential coverage allows you to get emergency health care in the event of an accident or illness and therefor ensures peace of mind. It is also offered to individuals visiting Canada with a work visa or study visa, to visitors to Canada and to Canadians not covered by a provincial health plan.
If you are a Desjardins member and are eligible for Visitors to Canada Insurance, you can enjoy a 3-day discount on your insurance.
- Choice of coverage amounts up to $150,000
- What's covered:
- Hospital care
- Medical care and services (physician, surgeon, etc.)
- Care and services prescribed by a physician (medications, x-rays, etc.)
- Care provided by health professionals (chiropractor, podiatrist, etc.)
- Dental care
- Transportation costs (ambulance, repatriation, etc.)
- Living expenses
- Certain death-related expenses
Visitors to Canada Insurance gives you 24/7 access to a range of assistance services at no additional cost. A mobile app is also available at no charge.
Learn more - Visitors to Canada Insurance
Desjardins assistance services
Desjardins now offers its members Identity Theft Assistance, Travel Assistance and Estate Assistance at no extra cost. Don't hesitate to contact us in the event of an emergency or as a preventive measure. You can reach our team 24 hours a day, 7 days a week.
Learn more - Desjardins assistance services
Auto and home insurance
Available in Quebec only
Once settled in Quebec, you will probably have to insure valuable property, such as your home and vehicle. You'll want adequate coverage, competitive premiums and unfailing service. That's what you'll get with the insurance products offered by Desjardins, the largest property insurer in Quebec.
Learn more - Auto and home insurance
- To get a Visa Desjardins credit card, newcomers must open an account in a caisse. They must also have a full-time job in Canada and be willing to reside and work there on a long-term basis. If this is a recent job, proof of income must be provided to the caisse. The credit limit will be attributed based on the applicant's income and the credit risk assessment. Other conditions apply.
- Offered to Quebec residents, age 16 and over.
- Currency conversion charges apply on amounts charged to account in foreign currencies and converted into Canadian dollars. Fees to replenish the account from which the card is reloaded may be charged by the financial institution approached by the cardholder or at which the account is held. Fees may apply depending on the ATM used.
Conditions apply to all products and services. Offer can be modified without prior notice. Limit of 1 offer per person.
- Desjardins members are only eligible if they have been a member of a caisse Desjardins du Québec for less than 1 year. To be considered a newcomer, you must be a permanent resident who has been living in Canada for three years or less, or a foreign temporary worker with a closed work permit of 6 months or more with a determined employer or an open work permit with code 10 or 41. Newcomers who have been Desjardins members for over 1 year are eligible for the offer for residents of Canada for over 3 years.
- Full-time students registered for a vocational, CEGEP or university program.
Useful links
- Bienvenido a Desjardins, primer grupo financiero cooperativo de Canadá (PDF, 1,7 MB) - This link will open in a new window.
- Welcome to Desjardins, the leading cooperative financial group in Canada (PDF, 1,5 MB) - This link will open in a new window.
(PDF, 2.38 MB) - In Arabic. This link will open in
a new window.