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Using Your Bank Card
Before leaving your home country, ask your bank if you can use your bank card (debit card) to withdraw money in Canada. If a PLUS, Cirrus or Maestro symbol appears on the back of your card, you may withdraw money from bank machines (ATMs) with the same symbol(s). ATMs are convenient but keep in mind that you will be charged a transaction fee each time you withdraw money.
Choosing a Bank
When choosing a bank in London, we recommend that you:
- Ask your home bank if they have connections with any Canadian banks
- Choose a bank that accepts money transfers from your bank at home
- Find a bank that offers student rates
After you choose a bank, you can find the branch nearest to you. To see which banks are close to Western, view the Banks Close to Campus section below.
There are three basic types of bank accounts:
- Chequing: Pays little or no interest; may have small charges for services; provides monthly statements; has debit privileges; is a useful and convenient method for paying rent, fees, bills, etc.
- Savings: Provides better interest rate; has no chequing privileges; allows personal withdrawals only.
- Chequing/Savings: Combines the privileges of both a chequing and savings account.
Tips: You may want to open an account that provides you with cheques to pay for things like rent. If you do not have a chequing account, you can ask your landlord if he/she accepts email transfers (e-transfer) instead.
You need to bring two pieces of identification to open a bank account; bring your passport and another piece of photo identification, such as your WesternOne Student card.
Transferring Money to Canada
In order to transfer money from your home country, you must first open a bank account in Canada. You may want to bring bank drafts from home to allow you to open a bank account when you arrive in London. A bank may accept bank drafts, cheques or letters of credit. However, money will not be transferred until it is cleared by your home bank. This process may take a few days or a few months.
1. Determine what you need your bank account to do and ensure the bank you choose provides these services:
- Save money?
- Write cheques?
- Pay bills?
- Receive foreign cash transfers?
- Take out money from bank machines (ATMs)?
2. Ask upper-year international students about their banking experiences. Which bank do they use? Are they happy with the service? How quickly does their bank transfer funds?
3. Ask the bank the following questions:
- Is there a lower service charge for me as a Western student?
- Can I use my bank card to get money if I am out of town?
- Do you have Visa debit cards? (These can be used internationally where Visa is accepted.)
- Will I receive a monthly bank statement? Does this cost extra?
- How quickly will I receive my foreign cash transfers?
- How do I access banking online?
- Are there any extra costs/fees I should know about?
4. Visit the branch closest to you and ask to speak to someone who can suggest the right kind of account for you as an international student.
5. Make your needs clear.
6. Ask for the business card of your account manager or someone else who you can call if you have questions about your account.
- Bank of Montreal
101 Fanshawe Park Rd. East (located next to McDonald’s) 519-667-6273
- CIBC (Canadian Imperial Bank of Commerce)
228 Oxford St. East (Oxford St. & Richmond St.) 519-661-8110
97 Fanshawe Park Road East (Masonville Place parking lot) 519-661-8182
- HSBC (Hong Kong and Shanghai Banking Corporation)
285 King St. (corner of Wellington Rd. across from Citi Plaza) 519-439-1631
- President’s Choice Financial No-Fees Banking
1740 Richmond St. (inside Loblaws) 519-663-8029
- Royal Bank (RBC)
383 Richmond St. (located near Dundas Street) 519-661-1180
109 Fanshawe Park Rd. East (at North Centre Rd.) 519-660-6902
- TD Canada Trust
1137 Richmond St. (near the University gates on Richmond St.) 519-673-6021
For a complete list of all the banks in London look under the "Banks" section of the Yellow Pages in the London Telephone Directory or on their kèo hôm nay website.
Automatic Teller Machines (ATMs) on Campus
- TD Canada Trust: UCC main floor (near Williams Coffee Pub)
- CIBC: UCC lower level (by the Tim Horton’s)
- Bank of Montreal: UCC main Floor and UCC lower level
- Royal Bank of Canada: UCC main floor and Natural Sciences Centre main floor
- Scotiabank: UCC lower level, Ivey School of Business outside of room 1R40, Huron University College food court
- Residences with ATMs: Perth Hall, Essex Hall, Delaware Hall, Sydenham Hall, Elgin Hall and Saugeen Maitland Hall.
- Food Service Areas with ATMs: Althouse College, Spencer Engineering Building, Law School, Somerville House, Talbot College, Medical Sciences, Natural Sciences (Nucleus), UCC Centre Spot, Thompson Recreation Centre and the Social Sciences Building.