{"id":63612,"date":"2024-10-16T06:38:30","date_gmt":"2024-10-16T10:38:30","guid":{"rendered":"https:\/\/www.smileswallet.com\/canada\/?p=63612"},"modified":"2026-04-22T02:50:48","modified_gmt":"2026-04-22T06:50:48","slug":"huong-dan-mo-tai-khoan-ngan-hang-tai-canada","status":"publish","type":"post","link":"https:\/\/www.smileswallet.com\/canada\/vi\/huong-dan-mo-tai-khoan-ngan-hang-tai-canada\/","title":{"rendered":"H\u01b0\u1edbng d\u1eabn m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Canada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Canada l\u00e0 m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng cho du h\u1ecdc sinh v\u00e0 ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn sinh s\u1ed1ng, v\u00ec n\u00f3 gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, thanh to\u00e1n h\u00f3a \u0111\u01a1n, v\u00e0 nh\u1eadn l\u01b0\u01a1ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Canada:<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">1. Ch\u1ecdn ng\u00e2n h\u00e0ng ph\u00f9 h\u1ee3p<\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><br>Canada c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn v\u00e0 uy t\u00edn \u0111\u1ec3 b\u1ea1n l\u1ef1a ch\u1ecdn. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">RBC (Royal Bank of Canada)<\/li>\n\n\n\n<li class=\"has-medium-font-size\">TD Canada Trust (TD Bank)<\/li>\n\n\n\n<li class=\"has-medium-font-size\">CIBC (Canadian Imperial Bank of Commerce)<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Scotiabank<\/li>\n\n\n\n<li class=\"has-medium-font-size\">BMO (Bank of Montreal)<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">H\u00e3y nghi\u00ean c\u1ee9u v\u00e0 so s\u00e1nh c\u00e1c g\u00f3i t\u00e0i kho\u1ea3n c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng, bao g\u1ed3m ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n, ch\u00ednh s\u00e1ch mi\u1ec5n ph\u00ed cho du h\u1ecdc sinh v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn.<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin-1024x576.jpg\" alt=\"\" class=\"wp-image-63613 size-full\" srcset=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin-1024x576.jpg 1024w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin-640x360.jpg 640w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin-150x84.jpg 150w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin-768x432.jpg 768w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/22464021-15148526168326564_origin.jpg 1180w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft<\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><br>\u0110\u1ec3 m\u1edf t\u00e0i kho\u1ea3n, b\u1ea1n c\u1ea7n mang theo c\u00e1c gi\u1ea5y t\u1edd quan tr\u1ecdng sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">H\u1ed9 chi\u1ebfu: \u0110\u00e2y l\u00e0 gi\u1ea5y t\u1edd ch\u1ee9ng minh danh t\u00ednh ch\u00ednh.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Th\u01b0 nh\u1eadp h\u1ecdc (LOA): Gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn b\u1ea1n \u0111ang l\u00e0 sinh vi\u00ean (n\u1ebfu b\u1ea1n l\u00e0 du h\u1ecdc sinh).<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Gi\u1ea5y ph\u00e9p du h\u1ecdc (Study Permit) ho\u1eb7c gi\u1ea5y ph\u00e9p 1l\u00e0m vi\u1ec7c (Work Permit): Ch\u1ee9ng minh b\u1ea1n c\u00f3 quy\u1ec1n \u1edf l\u1ea1i Canada h\u1ee3p ph\u00e1p.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">S\u1ed1 SIN (Social Insurance Number): \u0110\u01b0\u1ee3c y\u00eau c\u1ea7u n\u1ebfu b\u1ea1n m\u1edf t\u00e0i kho\u1ea3n c\u00f3 kh\u1ea3 n\u0103ng sinh l\u00e3i ho\u1eb7c li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u00e0m.<br><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"331\" src=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/ho-so-xin-giay-phep-du-hoc-canada-2-1.jpeg\" alt=\"\" class=\"wp-image-63621\" srcset=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/ho-so-xin-giay-phep-du-hoc-canada-2-1.jpeg 600w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/ho-so-xin-giay-phep-du-hoc-canada-2-1-150x83.jpeg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">3. Ch\u1ecdn lo\u1ea1i t\u00e0i kho\u1ea3n<\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><br>Ng\u00e2n h\u00e0ng t\u1ea1i Canada cung c\u1ea5p nhi\u1ec1u lo\u1ea1i t\u00e0i kho\u1ea3n kh\u00e1c nhau. B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn m\u1ed9t trong c\u00e1c lo\u1ea1i sau t\u00f9y theo nhu c\u1ea7u:<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">T\u00e0i kho\u1ea3n chequing (chequing account): \u0110\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u00e1c giao d\u1ecbch h\u00e0ng ng\u00e0y nh\u01b0 thanh to\u00e1n h\u00f3a \u0111\u01a1n, mua s\u1eafm, v\u00e0 r\u00fat ti\u1ec1n. M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cung c\u1ea5p t\u00e0i kho\u1ea3n mi\u1ec5n ph\u00ed ho\u1eb7c ph\u00ed th\u1ea5p cho sinh vi\u00ean.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m (savings account): D\u00f9ng \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi t\u00e0i kho\u1ea3n chequing, nh\u01b0ng \u00edt linh ho\u1ea1t h\u01a1n trong vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u0110\u1ebfn ng\u00e2n h\u00e0ng ho\u1eb7c m\u1edf t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li class=\"has-medium-font-size\">T\u1ea1i ng\u00e2n h\u00e0ng: B\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ebfn chi nh\u00e1nh ng\u00e2n h\u00e0ng g\u1ea7n nh\u1ea5t \u0111\u1ec3 g\u1eb7p nh\u00e2n vi\u00ean v\u00e0 y\u00eau c\u1ea7u m\u1edf t\u00e0i kho\u1ea3n. \u0110\u1eebng qu\u00ean mang theo gi\u1ea5y t\u1edd \u0111\u00e3 chu\u1ea9n b\u1ecb.<br><\/li>\n\n\n\n<li class=\"has-medium-font-size\">M\u1edf t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn: M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng cho ph\u00e9p b\u1ea1n m\u1edf t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn chi nh\u00e1nh. Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n s\u1ebd ph\u1ea3i t\u1ea3i l\u00ean c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft v\u00e0 ho\u00e0n th\u00e0nh bi\u1ec3u m\u1eabu tr\u1ef1c tuy\u1ebfn.<br><\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"392\" height=\"220\" src=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/th.jpeg\" alt=\"\" class=\"wp-image-63622\" srcset=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/th.jpeg 392w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/th-150x84.jpeg 150w\" sizes=\"auto, (max-width: 392px) 100vw, 392px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">5. K\u00edch ho\u1ea1t t\u00e0i kho\u1ea3n v\u00e0 th\u1ebb ng\u00e2n h\u00e0ng<\/h2>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><br>Sau khi m\u1edf t\u00e0i kho\u1ea3n, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p th\u1ebb ghi n\u1ee3 (debit card), d\u00f9ng \u0111\u1ec3 r\u00fat ti\u1ec1n t\u1ea1i c\u00e1c c\u00e2y ATM v\u00e0 thanh to\u00e1n. K\u00edch ho\u1ea1t th\u1ebb b\u1eb1ng c\u00e1ch g\u1ecdi \u0111i\u1ec7n ho\u1eb7c qua \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng, t\u00f9y v\u00e0o y\u00eau c\u1ea7u c\u1ee7a ng\u00e2n h\u00e0ng b\u1ea1n ch\u1ecdn.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. \u0110\u0103ng k\u00fd d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 mobile banking<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">\u0110a ph\u1ea7n c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Canada cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn (online banking) v\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng (mobile banking). \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ki\u1ec3m tra s\u1ed1 d\u01b0, chuy\u1ec3n kho\u1ea3n, thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 theo d\u00f5i giao d\u1ecbch b\u1ea5t k\u1ef3 l\u00fac n\u00e0o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"317\" src=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/canada-mobile-banking-.jpg\" alt=\"\" class=\"wp-image-63624\" srcset=\"https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/canada-mobile-banking-.jpg 400w, https:\/\/www.smileswallet.com\/canada\/wp-content\/uploads\/sites\/5\/2024\/10\/canada-mobile-banking--150x119.jpg 150w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">7. L\u01b0u \u00fd v\u1ec1 ph\u00ed ng\u00e2n h\u00e0ng<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">M\u1ed9t s\u1ed1 t\u00e0i kho\u1ea3n c\u00f3 ph\u00ed duy tr\u00ec h\u00e0ng th\u00e1ng, nh\u01b0ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 mi\u1ec5n ph\u00ed cho du h\u1ecdc sinh ho\u1eb7c ng\u01b0\u1eddi m\u1edbi \u0111\u1ecbnh c\u01b0. Ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng c\u00e1c lo\u1ea1i ph\u00ed tr\u01b0\u1edbc khi m\u1edf t\u00e0i kho\u1ea3n.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i cho sinh vi\u00ean, nh\u01b0 mi\u1ec5n ph\u00ed r\u00fat ti\u1ec1n ATM ho\u1eb7c ph\u00ed giao d\u1ecbch.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L\u1eddi khuy\u00ean<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">N\u00ean h\u1ecfi k\u1ef9 v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i cho ng\u01b0\u1eddi m\u1edbi m\u1edf t\u00e0i kho\u1ea3n, v\u00ec nhi\u1ec1u ng\u00e2n h\u00e0ng th\u01b0\u1eddng c\u00f3 qu\u00e0 t\u1eb7ng ho\u1eb7c \u01b0u \u0111\u00e3i.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Lu\u00f4n b\u1ea3o qu\u1ea3n k\u1ef9 c\u00e1c th\u00f4ng tin t\u00e0i kho\u1ea3n v\u00e0 th\u1ebb ng\u00e2n h\u00e0ng \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro m\u1ea5t c\u1eafp.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">M\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean quan tr\u1ecdng \u0111\u1ec3 b\u1ea1n d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh khi s\u1ed1ng v\u00e0 h\u1ecdc t\u1eadp t\u1ea1i Canada.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">Xem th\u00eam:<br><a href=\"https:\/\/www.smileswallet.com\/canada\/vi\/cach-mo-tai-khoan-ngan-hang-o-viet-nam-khi-song-tai-canada\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u00e1ch m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam khi s\u1ed1ng t\u1ea1i Canada<\/a><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Canada l\u00e0 m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng cho du h\u1ecdc sinh v\u00e0 ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn sinh s\u1ed1ng, v\u00ec n\u00f3 gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c, thanh to\u00e1n h\u00f3a \u0111\u01a1n, v\u00e0 nh\u1eadn l\u01b0\u01a1ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 h\u01b0\u1edbng d\u1eabn chi ti\u1ebft v\u1ec1 c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Canada: [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":63623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[540],"tags":[260],"class_list":["post-63612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh","tag-tai-chinh"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/posts\/63612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/users\/44"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/comments?post=63612"}],"version-history":[{"count":0,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/posts\/63612\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/media\/63623"}],"wp:attachment":[{"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/media?parent=63612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/categories?post=63612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smileswallet.com\/canada\/wp-json\/wp\/v2\/tags?post=63612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}