Make Your Next Career Move with Confidence
Your future is bright — and we’re here to help you plan and prepare for it.
Cover Your Expenses, Big and Small
Access the funds you need to pay your bills, transportation, moving costs and more with a flexible credit line and other borrowing solutions.
Get up to $350,000 in financing1 and continue having access to funds after residency2 with the Royal Credit Line for medical and dental residents3. Upgrade to RBC Healthcare Advantage4 and save with an exclusive rate of Prime minus 0.25%.5
Benefit from Personalized Financial Planning
Discover ways to balance repaying debt with other priorities such as saving for your future. At RBC, we’ll connect you with advisors who can help you:
- Plan for important milestones, such as buying a home
- Pay down your debt
- Start and grow your investments
Get Support for Your Next Steps
Whether you’re just starting your residency or transitioning to practicing, we understand the complexities of your journey and can help with advice to support your important career decisions.
BUNDLE & SAVE
Save $480+ on Your Banking with RBC Healthcare Advantage4
Plus, Borrow at Prime minus 0.25%5
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Other Special Offers for RBC Healthcare Advantage Customers
Graduating residency soon? Dr.Bill makes it easy to master medical billing no matter your specialty.
Get a $150 billing credit with Dr.Bill. Upon credit depletion, pay just 1% of successfully paid claims on Dr.Bill’s Comprehensive plan (regular price 1.95% of paid claims).8
Invest the Easy Way and Pay No Management Fee for 6 months9
Get a professionally-built investment portfolio without the work. Open your first RBC InvestEase account and pay no management fees for 6 months.
Borrow Against Your Home Equity at Prime minus 0.25%10
Improve your cash flow and save money with a preferred rate on the RBC Homeline Plan, which combines your mortgage and credit line into one product.
Get the Advice and Solutions You Need to Focus on Residency
Meet with one of our 1,300+ RBC Healthcare Specialists across Canada.
You can also call our support line at: 1-833-395-8118
A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Healthcare Advantage Pro Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. Only one fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan.
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. 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.
RBC Homeline Plan
Finance important goals, improve your cash flow and save money. The RBC Homeline Plan combines an RBC mortgage and Royal Credit Line into one product that allows you to access the equity you have in your home.
Top Benefits
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Low Interest Rate
Borrow at Prime - 0.25%1 with RBC Healthcare Advantage or RBC Healthcare Advantage Pro
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Credit Grows with Your Equity
Borrow up to 80% of the value of your home—your credit grows as you pay down your mortgage
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Apply Once, Borrow Again
Access credit when you need it—apply once and borrow without needing to reapply
Key Features
- Use your home’s equity for home improvements, education, debt consolidation or emergency readiness
- Only pay for the credit you use on your Royal Credit Line
- Easily access your credit through RBC Online Banking, the RBC Mobile2 app, RBC ATMs, branches or via cheque
- Choose to make interest-only monthly payments3 or pay off your balance in part or in full at any time
RBC VIP Banking Account
The most valuable features we offer in a single account.
This all-inclusive bank account is designed to simplify your everyday banking. And, if you’re an RBC Healthcare Advantage or RBC Healthcare Advantage Pro customer, we’ll waive the $30 monthly fee1,2.
Top Benefits
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Low Interest Rate
Unlimited debit transactions worldwide3
Other Key Features
- Up to $120 rebate on the annual fee of an eligible premium credit card9
- No minimum balance required
- Overdraft protection fee waived10
- Choice of up to two additional Canadian and one U.S. personal account with monthly fees waived11
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. 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.
RBC Credit Cards Eligible for Annual Fee Rebate
If you have an RBC VIP Banking account and one of the eligible credit cards below, you will receive either a partial or full rebate on the card’s annual fee each year—saving you up to $120/year!1.
Receive a partial rebate of $120 on the annual fee for the primary cardholder and $50 for the co-applicant for:
- RBC Avion Visa Infinite Privilege card
Receive a full rebate on the annual fee 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 British Airways Visa Infinite
- WestJet RBC World Elite Mastercard