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2014年5月21日 星期三

New Comer Banking Package

去銀行開戶前, 稍微研究了一下這邊比較常見的兩間銀行,
RBC 以及 TD 都有針對新移民有提供New Comer Banking Package
內容如下



RBC的New Comer Package
http://www.rbc.com/canada/credit/credit.html?ProspectID=2309EDCFB7BA495A9E9D72FD3E8CE361
Take advantage of our banking and credit solutions for newcomers. It includes everything you need to get started with your finances in Canada:
  • First credit card with no credit history required* and no annual fee1
  • First car with an RBC Royal Bank car loan, no credit history required* and on-the-spot financing at over 3,500 dealerships
  • First home in Canada, with no credit history required* and get a $500 housewarming gift2
  • Get a FREE Apple iPad mini3 when you join RBC and open a new all-inclusive banking account.
  • Preferred rate on Foreign Exchange transactions for 12 months4
  • Preferred interest rates on Guaranteed Investment Certificates (GICs)5
  • A small safe deposit box (lock box) with fees waived for one year6
  • A cost-effective way to send money overseas with RBC International Money Transfer7
TD的New Comer Package

checkmarkYour first TD bank account


checkmarkApplying for a TD Credit Card3

  • Apply for an unsecured TD Credit Card even if you have no credit history, and be eligible for a credit limit of up to $1,000
  • Higher credit limits may be available to you with a secured TD Credit Card
  • Safe and convenient
  • Build your Canadian credit history

checkmarkSend money home


checkmarkSave money


checkmarkApplying for Overdraft Protection7

  • Apply for overdraft protection for those times when you don’t have enough money in your account to complete a transaction8
  • Available for a low monthly fee or pay as you go8


這種package對於一開始會需要花很多錢安家新移民來說其實相當有幫助。
例如
1. 轉賬免手續費, 付賬單就不需要跑銀行, online banking 直接轉賬不用手續費
2. 有限時間的免賬戶管理費, 讓你漸漸熟悉一下, 服務是有價的..haha
3. 可申請信用卡, 不需要一天到晚拿著現金, 而且一開始也還搞不清楚10C, 5C, 25C, 每次付錢都是直接拿鈔票找一堆零錢回來 :P
重點是, 不需要信用記錄, 這對於新移民來說簡直是救星!
4. 保險箱年費減免, 新移民通常會在第一次就把貴重的物品以及重要的文件帶來, 偏偏一開始可能是住在旅館沒有固定且安全的地方可以保存, 此時有保險箱就安心多了。
5. 免費支票本, 在國外開個人支票是稀鬆平常的, 據說以後付小孩學費都是指收支票的 XD  但支票本不是免費而是要用買的, 50張支票連郵資是58塊加幣, 平均一張台幣30塊啊!免費的支票本就勉強用用....


最終我選擇了RBC, 因為保險箱免年費, 免費100張的支票本, 信用卡, 都立即派上用場, 重點是我們去的RBC分行保險箱有空位而且他們的Account Manager超積極的, 什麼都幫我免除費用, 可能是加拿大銀行也有新開戶的業績壓力吧 

最後來欣賞一下我的第一本支票簿吧





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