BMO Performance Plan / NewStart Program
A major bank whose NewStart program offers 2 fee-free years and large welcome value. Paired with its grocery-focused cash-back card, it's a solid long-stay choice for students and working-holiday makers.
Monthly fees, welcome bonuses, and charges change over time (last verified: July 2026). Japanese-language support may depend on branches with Japanese-speaking staff and is not always an official service. Compare real transfer costs as fees plus exchange-rate margin. Always check each official site for the latest details.
Check the latest fees, promotions, and application requirements on the official site.
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