Branch Safety and Account Opening Options
For the health and safety of our communities and employees, we have introduced new safety protocols in some branches and temporarily closed others.
To address the challenges facing international students, we are happy to schedule an appointment to open a bank account by phone, video conference or in branch.
Get settled in Canada Faster
Pay for those little extras. Bank with RBC and get unlimited debit transactions in Canada. Plus, you can get approved for a credit card with no prior credit history4Disclaimer
Get no monthly fee banking2Disclaimer
Enjoy unlimited debit transactions with an RBC Advantage Banking account for students. Sign up for the Value Program to earn Avion points when you pay from your account3Disclaimer
No Canadian credit history required
When you bank with RBC, you can apply for an RBC credit card even with no prior credit history in Canada4Disclaimer. Get a credit limit up to $2,0005Disclaimer
Bank anywhere, anytime
Stay on top of your money 24/7. The RBC Mobile Student Edition of the RBC Mobile6Disclaimer app makes banking easy.
Account Features and Benefits
- No-monthly-fee for full-time students2Disclaimer
- Unlimited debit transactions in Canada
- No RBC fee to use another bank’s ATM in Canada7Disclaimer, 8Disclaimer
- Enjoy the Value Program at no additional cost: Shop online and in-store to earn points on debit.3Disclaimer
- Free Interac e-Transfer transactions9Disclaimer, 10Disclaimer
Add a Credit Card—No Credit History Required5Disclaimer
Ask about our other credit cards when you talk to an RBC Advisor
- No annual fee
- Get a credit limit of up to $2,0004Disclaimer
- 2,500 welcome points once you're approved11Disclaimer
- Up to 3,500 bonus Avion points when you go digital within 60 days of getting your card12Disclaimer.
- Additional Card: $0
- Purchase Rate: 19.99%
- Cash Advance Rate: 22.99% (21.99% if you reside in Quebec)
- Purchase Security and Extended Warranty Insurance13Disclaimer
Additional Fees
- Cash Advance: $5.00 in and outside of Canada
- Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
- Dishonoured Payment Fee: $45.00
- Overlimit Fee: $29.00 (No Overlimit Fee for residents of Quebec)
- Additional Copies: $5 for a Monthly Statement, $1.50 for Statement updates at the ATM, $2 for Transaction Receipts
- Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (no fee in Quebec).
Save on tickets to see your favourite artist
There’s no music like live music. For a limited time, when you open an RBC Advantage Banking for students account you’ll receive a $75 Concert Cash code to use towards your next eligible ticket purchase on select Canadian Live Nation produced and promoted concerts or events1Disclaimer.
- Open an RBC Advantage Banking for students account by June 30, 20222Disclaimer.
- Use your new RBC bank account to complete 2 of the following transactions by August 25, 2022:
i. Eligible online or in-store purchase25Disclaimer
ii. Interac e-Transfer
iii. Mobile cheque deposit
- We’ll load your $75 Concert Cash code securely into RBC Online Banking when it’s ready. Look out for an email from us to let you know it’s there!
Your Concert Cash code can be redeemed toward select Canadian Live Nation produced and promoted concerts or events – music, comedy, and more! Tickets must be purchased through ticketmaster.ca/75rbc(opens to external site). You have until April 30, 2023 to use your Concert Cash code.
Open Your RBC Student Account Today
Call to open your account over the phone, by video call or at a branch. Complete the steps above and get $75 Concert Cash code Toward Your Next Concert1Disclaimer.
Be sure to have your passport and study permit handy for your appointment.
Call 1-866-583-9122 to book an appointment.
Call 1-866-583-9122 to book an appointment.
RBCxMusic
Stay tuned for exclusive perks at Live Nation events, in-depth interviews with your favourite artists, and much more.
View MoreAdditional Concert Cash Details
As per the offer terms and conditions, Concert Cash codes are non-transferable, single-use only. Here’s a few tips to consider to help you get the most out of your $75 Concert Cash code:
Choose a higher value ticket
Choose a ticket at ticketmaster.ca/75rbc(opens to external site) with a value of $75 or more so you can apply the full balance of your $75 Concert Cash code to ticket if you are making a single-ticket purchase. Yes, we’ll be covering $75 of your $75+ ticket!
Stack your ticket purchases
If the ticket you’re looking to purchase on ticketmaster.ca/75rbc(opens to external site) is under $75 in value, stack your order! You can buy multiple tickets (up to 8 tickets) in a single transaction and apply the $75 Concert Cash code to the entire transaction total. Remember, your tickets don’t all need to be for the same event – you can use your $75 Concert Cash code towards tickets to more than one eligible event, as long as they’re part of the same purchase transaction. Any unused portion of the value of the Concert Cash code will be forfeited. Your Concert Cash code cannot be redeemed for multiple transactions.
Choose a higher value ticket
Choose a ticket at ticketmaster.ca/75rbc(opens to external site) with a value of $75 or more so you can apply the full balance of your $75 Concert Cash code to ticket if you are making a single-ticket purchase. Yes, we’ll be covering $75 of your $75+ ticket!
Stack your ticket purchases
If the ticket you’re looking to purchase on ticketmaster.ca/75rbc(opens to external site) is under $75 in value, stack your order! You can buy multiple tickets (up to 8 tickets) in a single transaction and apply the $75 Concert Cash code to the entire transaction total. Remember, your tickets don’t all need to be for the same event – you can use your $75 Concert Cash code towards tickets to more than one eligible event, as long as they’re part of the same purchase transaction. Any unused portion of the value of the Concert Cash code will be forfeited. Your Concert Cash code cannot be redeemed for multiple transactions.
Concert Cash is a Concert Cash code. It is an online voucher code that can be applied towards a final ticket purchase for select Live Nation produced and promoted concerts and events in Canada, including music, comedy shows and more, sold on ticketmaster.ca/75rbc(opens to external site). With Concert Cash, you get access to exclusive perks at select Live Nation concerts including special access tickets, discount seats and more.
As per the offer terms and conditions, Concert Cash code is a non-transferable one-time-use only promo code good towards $75-off final ticket purchase. See the “Tips to get the Most out of My Concert Cash code” section for tips to make sure you get the best value out of your Concert Cash code.
As per the offer terms and conditions, Concert Cash code is a non-transferable one-time-use only promo code good towards $75-off final ticket purchase. See the “Tips to get the Most out of My Concert Cash code” section for tips to make sure you get the best value out of your Concert Cash code.
Once you completed your qualifying criteria, you will receive a welcome email which will include instructions on how to view your unique Concert Cash code through RBC Online Banking. You will need to be enrolled in RBC Online Banking to view the code. To redeem your $75 Concert Cash code for events, choose your tickets on ticketmaster.ca/75rbc(opens to external site). Once you cart the ticket(s) you want, enter your Concert Cash code in the “Voucher Code” field on the Payment page.
As per the offer terms and conditions, Concert Cash codes are non-transferable and single-use only. See the “Tips to get the Most out of My Concert Cash code” section for tips and tricks to make sure you get the best value out of your Concert Cash code.
As per the offer terms and conditions, Concert Cash codes are non-transferable and single-use only. See the “Tips to get the Most out of My Concert Cash code” section for tips and tricks to make sure you get the best value out of your Concert Cash code.
Concert Cash is a Concert Cash code. It is an online voucher code that can be applied towards a final ticket purchase for select Live Nation produced and promoted concerts and events in Canada, including music, comedy shows and more, sold on ticketmaster.ca/75rbc(opens to external site). With Concert Cash, you get access to exclusive perks at select Live Nation concerts including special access tickets, discount seats and more.
As per the offer terms and conditions, Concert Cash code is a non-transferable one-time-use only promo code good towards $75-off final ticket purchase. See the “Tips to get the Most out of My Concert Cash code” section for tips to make sure you get the best value out of your Concert Cash code.
Your Concert Cash code will be automatically uploaded to your Accounts Summary page in RBC Online Banking within 2-8 weeks of when you’ve completed the qualifying criteria. You can log into RBC Online Banking. Make sure you share your email with us when you sign up for your RBC student account so we can send you a notification!
You can find your Concert Cash code through RBC Online Banking. It will remain there until you have redeemed your code through the purchase of event tickets through ticketmaster.ca/75rbc(opens to external site).
Once you completed your qualifying criteria, you will receive a welcome email which will include instructions on how to view your unique Concert Cash code through RBC Online Banking. You will need to be enrolled in RBC Online Banking to view the code. To redeem your $75 Concert Cash code for events, choose your tickets on ticketmaster.ca/75rbc(opens to external site). Once you cart the ticket(s) you want, enter your Concert Cash code in the “Voucher Code” field on the Payment page.
As per the offer terms and conditions, Concert Cash codes are non-transferable and single-use only. See the “Tips to get the Most out of My Concert Cash code” section for tips and tricks to make sure you get the best value out of your Concert Cash code.
There are no carry-over balances. Any unused portion of the value of the Concert Cash Code (for example, if the total ticket-purchase transaction price is less than the Concert Cash Code value of $75) will be forfeited.
Concert Cash code is a unique code and cannot be re-gifted, transferred or converted into cash.
Your Concert Cash code will expire 11:59 PM PST April 30, 2023. You will not be able to redeem it thereafter, and will forfeit its value.
®
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
Live Nation and Concert Cash are registered trademarks of Live Nation Worldwide, Inc. TM+, TicketsNow and TicketExchange by Ticketmaster are registered trademarks of Live Nation Entertainment, Inc.
Legal Disclaimer1)
Offer available April 19, 2022 – June 30, 2022 (“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 complies with the terms of the offer. The Promotional Offer is a one-time use, non-transferable Live Nation $75 Concert Cash code (“Code”) redeemable until 11:59 PM PST on April 30, 2023 and good toward $75-off the final ticket-purchase price for one or more select Live Nation produced and promoted concert(s) or event(s) in Canada ticketed on ticketmaster.ca/75rbc(opens to external site), based on availability. You will receive a unique Code if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer. Any unused portion of the value of the Code not used in your single transaction will be forfeited.
To qualify for the Code you must open your first new Eligible Personal Banking Account by 9:00 PM EST on June 30, 2022 and complete two of the following Qualifying Criteria by 9:00 PM EST on August 25, 2022 using your Eligible Personal Banking Account:
To qualify for the Code you must open your first new Eligible Personal Banking Account by 9:00 PM EST on June 30, 2022 and complete two of the following Qualifying Criteria by 9:00 PM EST on August 25, 2022 using your Eligible Personal Banking Account:
i. a minimum of one purchase transaction completed 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;
ii. a minimum of one (1) Interac e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. a minimum of one (1) mobile cheque deposit using the RBC Mobile app.
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.ii. a minimum of one (1) Interac e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. a minimum of one (1) mobile cheque deposit using the RBC Mobile app.
- To claim the Code promotional offer, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified to receive the code. This message will be sent at any time up to 8 weeks after all Qualifying Criteria have been completed. The message will contain a link to a webpage with instructions on how to obtain your unique Code through RBC Online Banking. This Promotional Offer is provided and administered by RBC. However, the Code and your use of the Code, as well as any ticket-purchase transaction through Live Nation or Ticketmaster that you make, are subject to additional terms and conditions from Live Nation and/or Ticketmaster, as further described below.
- Code use/redemption is subject to Live Nation’s Code Terms, available online at ticketmaster.ca/75rbc(opens to external site).
- Subject to Live Nation’s Code Terms, Codes are redeemable only on the website located at http://www.ticketmaster.ca/75rbc(opens to external site).
- Each Code is a one-time-use-only promotional code provided by Live Nation and good toward $75 off the final ticket-purchase price for one or more select Live Nation produced and promoted concert(s) or event(s) in Canada ticketed on ticketmaster.ca/75rbc(opens to external site), based on availability under the Concert Cash program.
- Codes cannot be used toward VIP Nation®, TicketsNow® or events not ticketed by Live Nation, fan clubs, ticket packages, gift cards, merchandise, credits or shipping charges. Additional exclusions may apply to TM+, Platinum, Fan-to-Fan Resale, TicketExchange by Ticketmaster®, events at AEG venues and tickets not sold directly by Live Nation and Ticketmaster.
- All ticket purchases are subject to the Live Nation Purchase Policy(opens to external site). Codes must be redeemed with an eligible ticket-purchase transaction by 11:59 PM PST on April 30, 2023. A Code can be used only once. A maximum of one (1) Code may be applied per ticket-purchase transaction. (For added clarity, a transaction may include the purchase of tickets to multiple eligible events, but the Code may only be use in one (1) such transaction.)
- Codes are void if not obtained through authorized, legitimate channels, or if any part is defective, altered, duplicated, photocopied, forged, counterfeited, mutilated or tampered with in any way, or if Codes contain or are the result of a printing, seeding, typographical, mechanical or other error(s), or do not contain proper security devices (each an “irregular Code”). Any attempt to obtain or generate multiple Codes and/or irregular Codes and/or to use multiple names, email addresses, phone numbers and/or any fraudulent or other non-permissible mechanisms to obtain Codes, as determined by Live Nation in its sole discretion, shall give Live Nation and/or RBC the right to disqualify the user of any such Code, even if such user is an Eligible Client and has otherwise met the criteria of this Promotional Offer. Codes have no cash value and cannot be exchanged for cash or credit, except as required by law. Codes cannot be sold or bought and will be void if sold or exchanged for compensation. Any unused value will be forfeited. Codes cannot be combined with other product offers or offers. Ticket(s) purchased with a Code may be for personal use or gifts only and are not valid for resale. Codes cannot be used for past purchases or offers. Use of a Code for unauthorized advertising, marketing or other promotional purposes is strictly prohibited.
- Codes cannot be replaced if lost or stolen and Live Nation is not responsible for any damage or loss resulting from unauthorized use of a Code.
- Codes are void where prohibited by law.
- If a Code is used in violation of these Terms, Live Nation reserves the right to (a) cancel any ticket order, or (b) charge user’s credit card for the value of tickets after shipment. Once tickets are issued, they cannot be exchanged for other tickets or merchandise.
- Live Nation Canada, Inc., not Royal Bank of Canada, is entirely responsible for the use/redemption of the Code.
Legal Disclaimer2)
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 and Discounts: RBC Advantage Banking for students(PDF opens in new window)”
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.
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 Disclaimer3)
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 Conditionsopens another RBC site in a new window 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(PDF opens in new window).
Legal Disclaimer4)
Your credit limit will be based on information provided in your application, including your program of study. Offer available to RBC personal deposit accountholders who are international students who have arrived in Canada within the last 12 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Standard eligibility criteria for each credit card type will apply. Existing RBC Royal Bank personal credit card cardholders are not eligible. Must show proof of study permit and enrollment. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
Legal Disclaimer5)
An RBC Royal Bank credit card with no credit history is available to RBC personal deposit accountholders who are (i) permanent residents or international students who have 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. Newcomers to Canada who do not qualify for this offer may be eligible for an RBC Royal Bank personal credit card subject to the standard eligibility and lending criteria of Royal Bank of Canada, including Canadian credit history. If you do not qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. Royal Bank of Canada reserves the right to cancel, amend or withdraw this offer at any time.
Legal Disclaimer6)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Mobile Student Edition is intended for clients under the age of 22. RBC Canada, Avion Rewards and RBC eGift are operated by Royal Bank of Canada.
Legal Disclaimer7)
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.
Legal Disclaimer8)
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 Disclaimer9)
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 $1.00.
Legal Disclaimer10)
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 $5.00 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 Disclaimer11)
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.
If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria.
To receive 2,500 welcome Avion points, your application form must be received by October 31, 2022 and approved by us.
Upon enrolment, 2,500 bonus Avion points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer.
Offer may be amended or withdrawn at any time without notice.
Legal Disclaimer12)
Limited time offer must be fulfilled within 60 days of approval. To receive up to 3,500 Avion points on your RBC Rewards+ Visa credit card account as part of our digital bonus offer, get 500 Avion points for completing each of the following activities within 60 days of credit card approval:
i) sharing your email address with us,
ii) signing up for eStatements for your card,
iii) downloading and signing into the RBC Mobile app
And if you also bank with RBC (with an RBC Day to Day Banking, RBC Advantage Banking, RBC Private Banking, RBC Signature No Limit Banking, RBC VIP Banking, US Personal Account, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest eSavings account):ii) signing up for eStatements for your card,
iii) downloading and signing into the RBC Mobile app
iv) making an Interac e-Transfer with the RBC Mobile app or RBC Online Banking,
v) transfering funds with the RBC Mobile app or RBC Online Banking,
vi) depositing a cheque with the RBC Mobile app, and
vii) paying a bill with the RBC Mobile app or RBC Online Banking.
It may take up to 60 days after offer expires for the bonus points to appear on your credit card statement. Additional cardholder(s), as well as existing RBC Rewards+ Visa are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer, unless otherwise indicated by us. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
v) transfering funds with the RBC Mobile app or RBC Online Banking,
vi) depositing a cheque with the RBC Mobile app, and
vii) paying a bill with the RBC Mobile app or RBC Online Banking.
Legal Disclaimer13)
Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details.
Legal Disclaimer25)
Eligible purchases include those completed with your RBC Client Card, RBC Virtual Visa Debit associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay.
