请问探亲或是来加拿大旅游的中国人可以在加拿大的银行开户吗?
- 主题发起人 吃里爬外
- 开始时间
信用卡和帐户是有区别的,信用卡必须和当时的汇率挂钩,而帐户你可以认为在合时的时候(比如现在)把人民币换成加元存入,不受汇率波动影响
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- 2011-12-21
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负责地说，可以。护照就行。投资帐户不行，银行卡啥的妥妥的。
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- 2012-02-27
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How to open an account
You can open a bank account in Canada if you meet the requirements that are set out in the Access to Basic Banking Services Regulations under the Bank Act.
To open an account, you must present two pieces of identification from those listed below, with at least one piece from Part A. Alternatively, you may present only one piece of identification from Part A, if your identity is confirmed by a client in good standing with the bank or by an individual of good standing in the community where the bank is located.
Acceptable Identification
Part A
Additional identification
Additional identification containing photograph and signature may be required if bank staff have reason to question your identity as presented.
If the identification presented to open the account does not contain your name, date of birth, address and occupation, the bank may request and you must provide that information, except where you do not have an address or are not employed.
You can open a bank account in Canada if you meet the requirements that are set out in the Access to Basic Banking Services Regulations under the Bank Act.
To open an account, you must present two pieces of identification from those listed below, with at least one piece from Part A. Alternatively, you may present only one piece of identification from Part A, if your identity is confirmed by a client in good standing with the bank or by an individual of good standing in the community where the bank is located.
Acceptable Identification
Part A
- A drivers’ licence issued in Canada, as permitted to be used for identification purposes under provincial law
- A Canadian passport
- A Certificate of Canadian Citizenship or Certification of Naturalization, in the form of a paper document or card but not a commemorative issue
- A Permanent Resident card or Citizenship and Immigration Canada Form IMM 1000 or IMM 1442
- A birth certificate issued in Canada
- A Social Insurance Number card issued by the Government of Canada
- An Old Age Security card issued by the Government of Canada
- A Certificate of Indian Status issued by the Government of Canada
- A provincial health insurance card, as permitted to be used for identification purposes under provincial law
- A document or card, bearing the individual’s photograph and signature, issued by any of the following authorities or their successors:
- Insurance Corporation of British Columbia
- Alberta Registries
- Saskatchewan Government Insurance
- Department of Service Nova Scotia and Municipal Relations
- Department of Transportation and Public Works of the Province of Prince Edward Island
- Service New Brunswick
- Department of Government Services and Lands of the Province of Newfoundland and Labrador
- Department of Transportation of the Northwest Territories
- Department of Community Government and Transportation of the Territory of Nunavut
- An employee identity card, issued by an employer that is well known in the community, bearing the individual’s photograph
- A bank or automated banking machine or client card,issued by a member of the Canadian Payments Association in the name of, or bearing the name of, the individual and bearing the individual’s signature
- A credit card, issued by a member of the Canadian Payments Association in the name of, or bearing the name of, the individual and bearing the individual’s signature
- A Canadian National Institute for the Blind (CNIB) client card bearing the individual’s photograph and signature
- A foreign passport
Additional identification
Additional identification containing photograph and signature may be required if bank staff have reason to question your identity as presented.
If the identification presented to open the account does not contain your name, date of birth, address and occupation, the bank may request and you must provide that information, except where you do not have an address or are not employed.
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Reasons why a personal account may not be opened
A bank does not have to open a personal account for you if:
A bank does not have to open a personal account for you if:
- It believes that you plan to use the account for illegal or fraudulent purposes.
- You have a history of illegal or fraudulent activity in relation to financial services providers within seven years prior to your request to open the account.
- It believes that you knowingly made false statements in the information provided.
- It believes that opening the account would subject other customers or employees to physical harm, harassment or other abuse.
- You refuse to consent to the bank verifying the identification presented or whether any of the above conditions apply.
- The request is made at a branch or point of service where the only accounts offered are linked to an account at another financial institution.
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Income tax reporting requirements
The Income Tax Act requires banks to ask you for your Social Insurance Number (SIN) when you open an interest-bearing account, so the bank can report your interest income to the government. Any account, however, can be opened without your SIN.
The Income Tax Act requires banks to ask you for your Social Insurance Number (SIN) when you open an interest-bearing account, so the bank can report your interest income to the government. Any account, however, can be opened without your SIN.
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Opening a Bank Account
Last modified: 15 January 2015
Canada 's banks offer a variety of bank accounts to help consumers manage their money. When choosing an account, it's important to think about what services you require to meet day-to-day and long-term financial needs, and to shop around for the best account to meet these needs. Choosing the right service plan can provide added convenience and save you time and money.
For those who conduct a large number of transactions (withdrawals, transfers, cheques, bill payments and debit card purchases), there are accounts with packages that allow a specified number of transactions for a fee (most fees are waived if you keep a minimum balance in the account). For those who require other services, such as certified cheques, money orders, overdraft protection or cheque return, there are account packages that include these services as well.
Starting January 15, 2015, basic banking accounts will available for $4 per month, and at no cost to youth, students, seniors receiving the Guaranteed Income Supplement, and Registered Disability Savings Plan (RDSP) beneficiaries. At a minimum, these accounts will have the following features:
Check out the Financial Consumer Agency of Canada’s Account Selector Tool to help you compare different accounts and find the one that suits you best.
http://www.cba.ca/en/research-and-a...s-on-banking-issues/83-opening-a-bank-account
Last modified: 15 January 2015
Canada 's banks offer a variety of bank accounts to help consumers manage their money. When choosing an account, it's important to think about what services you require to meet day-to-day and long-term financial needs, and to shop around for the best account to meet these needs. Choosing the right service plan can provide added convenience and save you time and money.
For those who conduct a large number of transactions (withdrawals, transfers, cheques, bill payments and debit card purchases), there are accounts with packages that allow a specified number of transactions for a fee (most fees are waived if you keep a minimum balance in the account). For those who require other services, such as certified cheques, money orders, overdraft protection or cheque return, there are account packages that include these services as well.
Starting January 15, 2015, basic banking accounts will available for $4 per month, and at no cost to youth, students, seniors receiving the Guaranteed Income Supplement, and Registered Disability Savings Plan (RDSP) beneficiaries. At a minimum, these accounts will have the following features:
- a minimum of 12 debit transactions per month, at least two of which can be done in-branch (if available),
- cheque writing privileges, and
- authorized payments, monthly printed statement and either cheque image return or online cheque imaging
Check out the Financial Consumer Agency of Canada’s Account Selector Tool to help you compare different accounts and find the one that suits you best.
http://www.cba.ca/en/research-and-a...s-on-banking-issues/83-opening-a-bank-account
