Tools to Set Your Business Up For Success

Solutions to Help You Run Your Business

As a business owner, you wear many hats. RBC Beyond Banking can help you tackle your to-do list by giving you access to a wide range of business services and solutions – whether you’re starting, managing or growing a business.

Here are just a few of the 20+ services we offer across a range of sectors.

Save on your everyday fuel costs

Save 3¢/L on gas¹ at Petro-Canada instantly, plus earn 20% more points when you link your eligible RBC Business client card or credit card to your Petro-Points^‡ card.

Simplify and streamline your payroll and HR processes

Get help from ADP in managing your payroll and human resources and spend more time focused on your business. Save up to $500 when you sign up for ADP’s Payroll and HR Small Business Solutions and process payroll².

Business accounting made easier

Easily keep track of your business finances, pay bills, accept payments and more with Xero accounting software. Plus get a 1-month free trial and 50% off for the next 6 months¹¹.

Start your business with Futurpreneur

Futurpreneur Canada provides diverse young entrepreneurs age 18-39 with financing, mentorship and resources to help you plan, launch, manage and grow your business.

How to Get Started

It all starts with an RBC business bank account. Apply online and in less than 15 minutes³ you can get your business bank account number.

You may need to stop by a branch to quickly verify your identity and activate your account.

Get help with your business with a variety of services and special offers tailored for RBC business clients – from HR to marketing to cyber security. Visit our Beyond Banking page to discover all trusted providers and solutions.

RBC Digital Choice Business Account Package

BEST FOR: DIGITAL BANKING

$6.00 / month^{legal disclaimer 4}

Unlimited electronic debit and credit transactions⁵
Unlimited electronic cheque deposits^{legal disclaimer 6}
10 free outgoing Interac e-Transfer^‡ transactions^{legal disclaimer 7}
Unlimited Moneris^‡ deposits for credit card and debit card transactions
No minimum balance required

Open Bank Account

Most Flexible

RBC Flex Choice Business Account Package

BEST FOR: DIGITAL + IN-BRANCH BANKING

$7.00 / month^{legal disclaimer 4}

Save 40% on transactions made through RBC Online Banking, the RBC Mobile app^{legal disclaimer 8} and RBC ATMs^{legal disclaimer 9} versus paper transactions
Save on cash deposits at the RBC ATM and Night and Day Deposit^{legal disclaimer 10} Service
Only pay for what you use – no minimum or maximum transaction limits
Unlimited Moneris deposits for credit card and debit card transactions
No minimum balance required

Open Bank Account

You can also open an account over the phone without coming into the branch.

Call 1-866-822-6404

Frequently Asked Questions

What is Beyond Banking?

RBC Beyond Banking is an extensive ecosystem of specially selected services and offers across a range of sectors, designed to help RBC business clients accelerate their business growth.

What services does Beyond Banking include?

We are constantly evolving our Beyond Banking offering. Check our Beyond Banking site for a full list of current trusted providers, services and offers.

How is Beyond Banking a benefit for business owners?

Starting, managing and growing a business takes a lot of effort and hard work. We are committed to making it easier for business owners by providing special offers, preferred pricing and access to trusted providers that can help them run their business better.

How do I access the offers?

Visit our Beyond Banking site and select the trusted provider(s) that interest you. When you select a provider, you will be taken to a new page that details the offer/ service and how to take advantage of it. RBC Beyond Banking offers exclusive access to tailored solutions at preferred rates to RBC business clients.

Help Me Choose the Right Account

Answer a few short questions and we’ll recommend the right account to match your business needs. Choose one answer for each question

Based on your answers, we recommend (2 products)

^®/TM

Trademark(s) of Royal Bank of Canada.

^‡

All other trademarks are the property of their respective owner(s).

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.

Terms and conditions apply. $500 based on cost of 4 months free payroll for the average employee count and customer acquisition value for a new business with RBC. Receive 4 months free payroll when you are referred by RBC by June 30, 2025 and have entered into ADP’s standard form services agreement by July 31, 2025 and process payroll with ADP for 3 consecutive months. Cannot be combined with any other promotions and is only available to new ADP clients in Canada and ADP Clients who have previously only obtained Complimentary Access to ADP HR Assist, in each case that are referred by RBC and have 1-49 employees. Applies only for Small Business Payroll solutions - ADP Workforce Now On the GoSM (including ADP HR AssistSM bundles), and Comprehensive Outsourcing Services. Free payroll processing applies to the recurring payroll processing fees paid by you to ADP. “Recurring payroll processing fees” exclude, without limitation: (i) any underlying payroll funding obligations (wages, taxes, third party remittances); (ii) any fees for official bank cheques, tax or special one-time reports, third-party remittances or cheque stuffing; (iii) Year-end services; (iv) refundable deposits or third party pass-through charges (including delivery charges); (v) direct expenses/charges (e.g. NSF fees); (vi) penalties and interest; (vii) fees for shipping, delivery and installation of equipment or software, custom programming, the sale or leasing of equipment or software, or maintenance; and (viii) income derived from the float. ADP reserves the right to discontinue or modify this promotion at any time.

ADP HR Assist and ADP Workforce Now On the Go are service marks of ADP, INC.
^® / ™ Trademark(s) of ADP. All other marks are the property of their respective owners. Services referenced herein are provided by ADP Canada Co. ADP Canada Co. is not a member of RBC Financial Group or RBC.

In order to get a business bank account and account number online, the business must be a sole proprietorship or a single-owner corporation, in each case, with only one authorized signatory. The business must be registered in Canada or a business operated in Canada by a natural person who is a permanent resident of Canada. Additionally, the authorized signatory completing the online application on behalf of the business must successfully complete the personal identification portion of the application, including, without limitation, a credit bureau report to the satisfaction of Royal Bank of Canada. Multi-owner businesses or businesses that have more than one authorized signatory will be directed to the branch to get a business bank account and account number. Issuance of an account number does not guarantee that the account is operational. RBC may restrain the use of the account and require the business client to visit a branch to satisfy any outstanding requirements prior to operating the account. RBC reserves the right, in its sole discretion, to require that the business client visit a branch to complete the application. A business client that successfully completes the online application will still need to visit a branch to obtain a business client card and sign additional documentation, even if a bank account number has been issued. Actual completion time may vary from person to person and may be affected by a variety of external factors, including internet navigation speed and other interruptions. RBC does not accept any responsibility for any damage or loss that any parties might suffer resulting from any deviations from time indicated.

⁴

Standard fees and charges apply for services and transactions exceeding the number included in the account package.

⁵

Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online. For full list of fees not included with the account review the RBC Digital Choice Business Account Package page.

⁶

Includes cheques deposited through the RBC Mobile App, RBC ATM and ChequePro.

⁷

Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business or RBC Edge platforms. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service. Standard fees and charges apply for transactions exceeding the number included in the account package.

⁸

RBC Mobile is offered by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

⁹

Savings accrue from lower standard processing fees charged on electronic (digital) debit and credit transactions (vs. paper) such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard account fee per electronic credit and debit transaction is $0.75 versus $1.25 per paper transaction. Fees and charges may vary based on location. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online.

¹⁰

The Night and Day Deposit service may not be available in all areas. Fees and charges may vary based on location. Other fees and charges may apply.

¹¹

This offer is non-transferable. This offer and the associated terms of use for Xero services (available at https://www.xero.com/ca/legal/terms(opens new window)) are provided by Xero, not Royal Bank of Canada (“RBC”). To take advantage of this offer, click the link in this offer. Xero has agreed to provide a thirty (30) day free trial, followed by fifty percent (50%) off of the subscription price for the next consecutive six (6) months for all new Canada-based business edition subscriptions (starter, standard, premium) when the promotion code provided in the link in this offer is applied while creating a Xero account. Prices are listed in CAD and exclude applicable taxes. After 6 months, Xero’s then-current list price will apply. Xero reserves the right to change its list price, charges, and billings terms at any time at its sole discretion. The offer cannot be redeemed with existing paid subscriptions or be used in conjunction with third-party or other Xero offers