Overview
Business Chequing Accounts
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Get back up to $300 cash back with RBC and Ownr.
Based on your answers, we recommend (2 products)
Enjoy 10 FREE outgoing Interac e-Transferlegal disclaimer ‡ Transactionslegal disclaimer 2 per month
Get 35,000 Avion points + 1st year annual fee waived upon approvallegal disclaimer 9
Supplement your cash flow with a business line of credit that gives you access to the funds you need, when you need them.
RBC PayEdge is an innovative accounts payable platform that automates payments to suppliers by integrating with your accounting system.
Enjoy all of the purchasing power, flexibility and security you expect in a business credit card with no annual fee, plus get 1% cash back on your purchaseslegal disclaimer 10 to reinvest in your business.
Our business loan calculator will help you determine the monthly payment and interest costs for various business loans.*
Monthly Payment
$965.02.00
Total Interest Costs
$131,605.23
Based on your information, here are a few options to explore:
Choose the tab that describes you best.
Looking to switch accounts? Find the RBC Business account that best meets your current needs.
Explore our business and commercial credit cards offering rewards and features to simplify your business.
Use our Loan Calculator to determine the best payment options for your business loan needs.
Browse our solutions for receiving payments and paying vendors, employees and the government.
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Get purchasing power, flexibility and security plus earn cash back on every purchase you make on the card.
Make Your Business Journey as Rewarding as Possible.
Your Business Expenses Can Be Very Rewarding
A Convenient and Affordable Choice
Make purchases for your business when your business needs it, with this flexible, low fee card.
Commonly used for:
How many employees do you have?
Eligibilty Requirements:
Reduce the Amount of Time You Spend Making Payments
Improve productivity and gain more control over cash flow with simple ways to pay vendors, employees, and your business & payroll taxes.
Make It Easy for Customers, Vendors, Suppliers and Others to Pay You
Whether you need to accept payments online or in person, we can help you simplify your collections process and get paid sooner.
Payments that are effortless Every Single Time
Businesses of all sizes can benefit even without banking with RBC. Discover the benefits of a convenient end-to-end payments and reconciliation solution designed to help you do more.
Answer a few short questions and we’ll recommend the right account to match your business needs.
Find expert advice and useful tools and resources to help you start your business.
It depends on the type of RBC credit card, the program you apply for, and whether you’re an existing RBC client already. RBC offers credit cards for small, medium, or large businesses. To find the right credit card for your business needs, and the documentation required to be eligible, explore our business and commercial programs or use our Digital Business Tool to get a recommendation for your business.
Yes, your business-related expenses, payments, and usage habits will help in building your business credit score for future financing needs.
A business or commercial credit card dedicated to your business needs is a great idea. Depending on the credit card and program selected, a business or commercial credit card offers numerous benefits such as:
No, your business or commercial credit card will not affect your personal credit score. Your business credit score is built off the financial history of the business itself, not your personal spending habits. The business or commercial credit card should be registered under your business name for tax purposes as well as to build your business credit score.
Whether you’re a start-up or an established business, you’ll need to manage cash flow, pay suppliers, track business expenses, and more. A business or commercial credit card gives you access to business-specific benefits such as extended days payable, simplified reporting and controls, and accelerated rewards, all while building credit for future borrowing needs. Compare some of the business and commercial credit cards RBC has to offer, or explore our business advice section to get solutions and savings that can help your business thrive.
Yes, you can use your RBC personal credit card for business expenses, but a business credit card will simplify tracking your business expenses, making payments, managing cardholders and filing taxes. A business credit card is also essential for building credit for your business, which can help you access business loans in the future. Plus, with many of our RBC business or commercial credit cards, you could benefit from the Liability Waiver Program (opens in a new tab), which protects businesses against certain unauthorized charges that may be made by employee cardholders.
Strengthen your business with access to capital, from new hires to new equipment, growth plans to growing opportunities, explore monthly payments and interest costs for a range of business loans.
Our business loan calculator will help you determine the monthly payment and interest costs for various business loans.
And the total interest costs are:
Finance your large-scale purchasing and/or consolidate debt with a fixed or variable rate loan at a selection of set terms.
Call to apply by phone:
RBC Business Clients can:
For businesses looking to purchase or improve their assets for a new or expanding operations. This government-sponsored loan program offers up to $1,000,000 to small businesses in Canada
Go to https://www.rbcroyalbank.com/rates/index.html to view today’s rates. Please note, interest rates are subject to change without notice at any time.
Different loans are best suited for different types of business needs. Understanding the purpose of your loan can help us recommend financing options that are most appropriate for your goals.
The Canada Emergency Business Account (CEBA) was one of the Government of Canada’s financial relief measures to support Canadian businesses that have been adversely affected by COVID-19.
RBC PayEdge reduces manual tasks, seamlessly connects to leading accounting and ERP platforms, and optimizes the reconciliation and approvals processes.
Ready to automate payments to your suppliers?
Enjoy effortless payments with RBC PayEdge.
Accounts receivable is money owed to a business by clients or customers for products or services that have been provided and invoiced.
RBC’s accounts receivable solutions can help you simplify your collections process and maximize cash flow by making it easier for customers and others to pay you. Plus, reduce or eliminate trips to the bank with a wide range of electronic payment solutions and quickly access funds by having payments automatically deposited to your RBC business account.
Learn more about receiving payments.
Accounts payable is money a business owes to its suppliers or vendors for goods and services it has purchased. These funds are typically due in the short-term. Money owed to employees is not considered part of accounts payable.
RBC’s accounts payable and payroll solutions can help you save time and money, benefit from better tracking and security, and know your cash position at any given time, so that you can make more informed, on-the-spot decisions.
Learn more about making payments.
An Automated Clearing House (ACH) payment—also known as an electronic funds transfer (EFT)—is used to send Canadian or U.S. dollar electronic payments to Canadian banks and/or electronic U.S. dollar payments to U.S. banks requiring a currency conversion.
Learn more about making payments or accepting payments
Looking to grow your business? There are many paths you can take from choosing a new market to expanding your product offering. We're here to help you plan your long-term business success
Protect and enjoy everything you’ve achieved – for yourself, your family and your business.
RBC Business clients enjoy access to unique offers and services from our Beyond Banking partners, including:
We are committed to supporting business owners and provide them the tools and resources to help achieve their goals
Calculate monthly payments and interest costs for a recommended range of business loans.
Compare business credit cards and find the one best suited to your needs.
View how many points or cash back reward you can earn based on your credit card spend.
Get an analysis of your cash flow and advice to help improve it.
Use this two-step calculator to find the right business chequing account based on your banking activity.
Tell us about your business transaction and cash deposit needs and we'll show you the business account that gives you the best value and provide an estimate of your total monthly cost.
Send, deposit or receive paper transaction ( cheques, drafts or cash)
Send Interac eTransfer transactions
Send or receive other electronic transactions
Inside the branch (with a teller)
At the ATM or Night and Day deposit box
Variable Fees + Monthly Fee:
$80.88 + $6.00
Total Monthly CostLegal Disclaimer 2:
$86.88
Paper transaction are transactions using paper cheques, bankers' drafts or cash.
Interac e-Transfer is a fast and convenient way to send money to anyone from within the security of your online or mobile banking service.
Electronic transactions include online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions.
Deposit inside the branch are the deposits carried out with a branch teller
These would be the deposits made at the ATM or the Night and Day Deposit box
The RBC Mobile3 app gives you personalized tools and insights so you can save, spend and manage your money with ease.
The RBC Mobile app gives you personalized tools and insights so you can save, spend and manage your money with ease.
Or text “RBC” to 722722 and we’ll send you the link
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