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Banque Populaire

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Banque populaire

Offer for the Morrocan community: An advisory, savings and service centre. Image

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

Save on your financial products

  Residents of Canada for over 3 years Residents of Canada for 3 years or less Students
Savings account with a free transaction plan for 1 year
  • Free transaction plan (transactions at the ATM, on AccèsD Internet, mobile or telephone, by direct payment, at the counter, etc.)3
  • Lets you make all types of transactions: deposits, withdrawals, cheques, transfers, purchases, bill payments
  • Includes automatic registration for AccèsD online banking services and monthly online account statements
  • Includes a Desjardins Access Card, which you can use to withdraw cash at over 60,000 ATMs in Canada and over 1 million PLUS4 Network ATMs around the world
 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
  • Desjardins to Banque Populaire
    • Send money to your family and friends independently on AccèsD Internet

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)

Preferential rate on funds transfers

  • Banque Populaire to Desjardins
    • Receive money from Morocco quickly and securely
     Receiving: $4/transfer
Small safety deposit box free for 1 year7
  • Lets you securely store your papers and valuables
  • Gives you the option of renting a larger safety deposit box at a discount equivalent to the cost of renting a small one
   is applicable  
Enhanced rate8 for non-redeemable term savings
  • Minimum balance of $1,000
  • A secure investment—your capital and return are guaranteed
   is applicable  
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.

     is applicable

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.

Other essentials to meet your needs

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.

Learn more - Prepaid 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

  1. 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.
  2. Offered to Quebec residents, age 16 and over.
  3. 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.

  1. 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 3 years or less, or a foreign temporary worker with a work permit of 6 months or longer. Newcomers who have been Desjardins members for over 1 year are eligible for the offer for residents of Canada for over 3 years.
  2. Full-time students registered for a vocational, CEGEP or university program.

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