Open an Eligible RBC Chequing Account and Get the New Apple Watch Series 10legal bug 1
Offer Ends June 2, 2025. Conditions apply.
BackWhat is a Chequing Account?
A chequing account, also known as a transaction account, is an account you use for your everyday transactions, such as withdrawing money from an ATM, depositing paycheques, paying bills, and making one-time purchases with a debit card. You can access your chequing account at an ATM, in a branch, or online on the bank website or mobile applegal disclaimer 27.
Our Chequing Accounts
We offer a variety of chequing accounts in Canada, and knowing more about you can help us suggest the chequing account that’s right for you. Choose the button that best describes what you’re looking for.
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 16 That's our Right Account Guarantee.
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 17
Not sure which chequing account is right for you?
Help Me Choose
Help Me Choose
Answer a few questions and we’ll suggest the chequing accounts that best match your needs.
Compare Chequing Account Features
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Speak to an Advisor
Speak to an Advisor
Book a virtual appointment with an advisor: 1-800-769-2561 (Open 24/7).
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. legal disclaimer 18 Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 19
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobilelegal disclaimer 21app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 22
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. legal disclaimer 18 Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 19
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobilelegal disclaimer 21 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 22
Get more from your everyday banking
Get more from your everyday banking
RBC Offers
Offers from the brands you love
Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.legal disclaimer 23
Vantage Snapshot
Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.legal disclaimer 21
Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.legal disclaimer 21
Stay on top of your money
Providing a rolling forecast of your payments & deposits for the next 7 days, NOMI helps you stay on top of your money.
Stay on top of your money
Providing a rolling forecast of your payments & deposits for the next 7 days, NOMI helps you stay on top of your money.
Top Chequing Account Questions
Top Chequing Account Questions
A chequing account is meant for your everyday transactions, such as withdrawing cash from an ATM, paying a bill, depositing a pay cheque, and paying for groceries. It has the advantage of providing easy access to your money. You typically earn no or low interest on the money you store in a chequing account.
A savings account is where you can set aside money for your short-term and long-term financial goals, such as saving for a trip, a wedding, or buying a house. You can also use it to build up an emergency fund for unexpected expenses like car repairs. Savings accounts typically earn a higher interest on your money compared to Chequing accounts, meaning you can use them to grow your money over time. For that reason, they’re not usually used for everyday expense like paying bills.
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
- Earn Avion points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account.legal disclaimer 19
- Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each month.legal disclaimer 10
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC card.legal disclaimer 20
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands.legal disclaimer 23
The following RBC bank accounts are eligible to be enrolled in the Value Program:
- RBC Day to Day Banking
- RBC Advantage Banking (includes RBC Advantage Banking for students)
- RBC Signature No Limit Banking
- RBC VIP Banking
- RBC No Limit Banking (discontinued)
- RBC Student Banking (discontinued)
- RBC No Limit Banking for Students (discontinued)
- RBC Day to Day Savings
- RBC Enhanced Savings
- RBC High Interest eSavings
Learn more about the Value Program or explore bank accounts now.
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebate10 and the Seniors Rebate2 on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.
If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.
Whether you bank or invest through the RBC Royal Bank Online Banking service, or the RBC Mobile app, you're covered by an Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Royal Bank, RBC Direct Investing or RBC Dominion Securities accounts on RBC Mobile, you'll be reimbursed 100% for any resulting losses to those accounts.
For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.
Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.
There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank accountlegal disclaimer 19 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.
Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.
Learn more about Avion Rewards.
Yes. To deposit a cheque in RBC Mobile, simply:
- Tap Move Money in the Navigation Bar
- Tap Deposit a Cheque
- Follow the on-screen instructions
Offers is our way of helping you do more when you choose to pay with your RBC Royal Bank personal or business chequing account or credit card. It allows you to take advantage of a wide range of offers to help you save money and earn bonus Avion points on your shopping, travel, dining and more.
Simply sign in to RBC Royal Bank Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers. You can also get your offers from the Avion Rewards app.
RBC Royal Bank personal and business savings accounts are not eligible at this time.
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To take advantage of this offer, you must be a resident of Canada and age of majority by June 2, 2025 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on February 11, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple Watch (Apple Watch Series 10 GPS, Textile or Rubber band, 42 mm or 46 mm case in your choice of Jet Black Aluminum with Black Sport Band, Jet Black Aluminum with Ink Sport Loop, Silver Aluminum with Denim Sport Band or Silver Aluminum with Blue Cloud Sport Loop, Rose Gold Aluminum with Light Blush Sport Band or Rose Gold Aluminum with Plum Sport Loop, Model Numbers included in the full Terms and Conditions), when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST June 2, 2025 and complete two of the following ”Qualifying Criteria” by 9PM EST August 11, 2025: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
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For clients age 65 or older. Only one Monthly Fee rebate per Account Owner will apply. Other conditions and exceptions may apply, please refer to the Personal Deposit Accounts Disclosures and Agreements for full details.
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Subject to credit approval. Overdraft Interest applies if used.
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As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
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The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled Personal Deposit Accounts Disclosures and Agreements.
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RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from account, and Point of Sale Purchases made at public transit authority merchants classified by Interac‡’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge. All other Debit Transactions, including those Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC, are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
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An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
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RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document. You must advise us of your student status at the time of account opening an RBC Advantage Banking for students account and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.
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Available only to newcomers to Canada who arrived within the previous 5 years of opening an RBC Advantage Banking account. Must show proof of date of entry into Canada and provide supporting documents, such as landing papers or permanent resident card. This offer may be withdrawn at any time and is subject to change without notice. Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account. Thereafter the monthly fee will be charged.
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By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Value Program Terms & Conditions.
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Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC ION+TM Visa ($4 applied monthly), RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. If you already have a VIP account, the rebate will be applied at the time you open your eligible credit card account. If you open your VIP account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
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RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived and unlimited debit transactions. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
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On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Interac‡ Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
legal disclaimer 14)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
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Paper statements are free without cheque image, or $2.50 per month with cheque image.
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Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
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Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac‡ Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac‡ Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac‡ Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
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The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
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When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
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To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel,litre at the time of the transaction.
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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
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You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
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The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
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The standard Monthly Fee for the RBC Day to Day Banking account is $4; however, you may be eligible to receive a full rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreements”.
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The standard Monthly Fee for the RBC Advantage Banking account is $11.95; however, you may be eligible to receive a full or partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the documents entitled “Personal Deposit Accounts Disclosures and Agreements”.
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The standard Monthly Fee for the RBC VIP Banking account is $30; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreements”.
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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, and Avion Rewards are operated by Royal Bank of Canada.
legal disclaimer ® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
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All other trademarks are the property of their respective owner(s).
legal disclaimer 1)
To take advantage of this offer, you must be a resident of Canada and age of majority by June 2, 2025 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on February 11, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple Watch (Apple Watch Series 10 GPS, Textile or Rubber band, 42 mm or 46 mm case in your choice of Jet Black Aluminum with Black Sport Band, Jet Black Aluminum with Ink Sport Loop, Silver Aluminum with Denim Sport Band or Silver Aluminum with Blue Cloud Sport Loop, Rose Gold Aluminum with Light Blush Sport Band or Rose Gold Aluminum with Plum Sport Loop, Model Numbers included in the full Terms and Conditions), when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST June 2, 2025 and complete two of the following ”Qualifying Criteria” by 9PM EST August 11, 2025: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/watchterms.
legal disclaimer 2)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
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There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
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The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
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The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
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Fees may apply on the account from which the money has been transferred.
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Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
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The Bonus Interest Rate on January 2, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between January 2, 2025 and 3:00 PM
EST on March 10, 2025 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on January 2, 2025 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on January 2, 2025, the Regular Interest Rate was 1.00% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 4.95% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such
interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/januaryhisa25
legal disclaimer 9)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Opens PDF in new window Value Program Terms & Conditions.
legal disclaimer 10)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 11)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 12)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 13)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 14)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
legal disclaimer 15)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 18)
The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.
legal disclaimer 19)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 20)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
Offer available February 1, 2025 - July 2, 2025 (“Promotional Period”)
This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.
To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on July 2, 2025 and complete one of the following Qualifying Criteria by 9:00 PM EST on August 29, 2025 using your Eligible Personal Banking Account:
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 4 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/student100terms (opens in new window).
This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.
To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on July 2, 2025 and complete one of the following Qualifying Criteria by 9:00 PM EST on August 29, 2025 using your Eligible Personal Banking Account:
i.
a minimum of three (3) debit transactions;
ii.
register your Eligible Personal Banking Account for Interac Autodeposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii.
enroll for a Virtual Visa Debit Card and make one (1) transaction
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 4 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/student100terms (opens in new window).
legal disclaimer 2)
Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (“Eligible Student Bank Account”) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an “Eligible Credit Card”), the annual fee of your Eligible Credit Card may be fully rebated, every year:
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| RBC ION+ Visa | $4 a month ($48 annually) |
| WestJet RBC MasterCard | $39 |
| Signature RBC Rewards Visa | $39 |
| Visa Cash Back Card | $19 |
legal disclaimer 3)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 4)
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester.
Proof of enrollment may be requested at our discretion.
legal disclaimer 5)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 6)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 7)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 8)
The Bonus Interest Rate on January 2, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between January 2, 2025 and 3:00 PM
EST on March 10, 2025 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on January 2, 2025 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on January 2, 2025, the Regular Interest Rate was 1.00% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 4.95% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such
interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/januaryhisa25
legal disclaimer 9)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
legal disclaimer 10)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 12)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
legal disclaimer 13)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 14)
Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. You must request a Virtual Visa Debit
card.
legal disclaimer 15)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 16)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 17)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 18)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 19)
This offer only applies to new applications for an RBC ION + Visa credit card received between January 30, 2025 and May 7, 2025 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer.
14,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512
To get $100 worth of gift cards/certificates, you will need a total of 14,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
14,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512
To get $100 worth of gift cards/certificates, you will need a total of 14,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.
legal disclaimer 20)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer 21)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
legal disclaimer#
Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
You must apply for the RBC Cash Back Mastercard by February 28, 2025, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 26 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.
One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
Legal Disclaimer1)
RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled Opens PDF in new windowRebates and Discounts: RBC Advantage Banking for students in the document entitled “Addendum to April 30, 2020 Personal Deposit Accounts Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document.
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.
legal disclaimer 2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 3)
Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. You must request a Virtual Visa Debit
card.
Clients must be 14 years of age or older and have an active personal, Canadian dollar deposit account and an active RBC Royal Bank Client Card in order to receive a Virtual Visa Debit Number. RBC Virtual Visa Debit is not available to business clients.
legal disclaimer 4)
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester.
Proof of enrollment may be requested at our discretion.
legal disclaimer 5)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 6)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 7)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 8)
The Bonus Interest Rate on January 2, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between January 2, 2025 and 3:00 PM
EST on March 10, 2025 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on January 2, 2025 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on January 2, 2025, the Regular Interest Rate was 1.00% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 4.95% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such
interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/januaryhisa25
legal disclaimer 9)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
legal disclaimer 10)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 12)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 13)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 14)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
legal disclaimer 15)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 16)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 17)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences
and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 18)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 19)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer*
Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.
Legal Disclaimer1)
Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $11.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, and offer expires February 28, 2025. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete Opens PDF in new windowterms and conditions that apply to this promotional offer.
legal disclaimer 2)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold. When you use your Client Card to make a withdrawal in a currency other than
Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange
rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 3)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
legal disclaimer 4)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
legal disclaimer 5)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 6)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 7)
The standard Monthly Fee for the RBC Advantage Banking account is $11.95; however, you may be eligible to receive a full or partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the documents entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 8)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 9)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 12)
Conditions apply. Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
legal disclaimer 13)
Available only to newcomers (please see the eligibility requirements in above note *). For RBC No Limit Banking, RBC Advantage Banking and RBC Signature No Limit Banking accounts (eligible account), up to one-year rental (offer ends February 28, 2025) of a small safe deposit box (SDB) with annual fees waived, where boxes are available. Safe deposit box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an eligible account, your fees for the box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. RBC VIP Banking account holders receive one small box free for every year they maintain the account in good standing as part of the ordinary product construct; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.
legal disclaimer 14)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 15)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 18)
An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
legal disclaimer 19)
Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.
legal disclaimer 20)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 2)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 3)
RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings
Accounts) from account, and Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge. All other Debit
Transactions, including those Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC, are counted as Debit Transactions towards the
free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
legal disclaimer 4)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
legal disclaimer 5)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 6)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 7)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 8)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
legal disclaimer 9)
The Bonus Interest Rate on January 2, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between January 2, 2025 and 3:00 PM
EST on March 10, 2025 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on January 2, 2025 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on January 2, 2025, the Regular Interest Rate was 1.00% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 4.95% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such
interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/januaryhisa25
legal disclaimer 10)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 11)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 12)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 13)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 14)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 15)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 18)
The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.
legal disclaimer 19)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 20)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
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All other trademarks are the property of their respective owner(s).
