EN
Is it Right for You?
These are ideal investments if you:
- Want a solution for the cash component of your portfolio.
- Are looking for an alternative to other low yield products.
- Want an accessible(2) account in which to earn interest.
| Interest Rates(3) | CAD | USD |
|---|---|---|
| Series A | ||
| Series F | ||
| Corporate Series A | ||
| Corporate Series F | ||
| Notice Period Series A | ||
| Notice Period Series F |
RBC Investment Savings Account
Gain the best from both worlds: savings and security.
Grow your savings in a product that pays a competitive interest rate and enjoy the security of having your money held in a bank account eligible for deposit insurance coverage by the Canada Deposit Insurance Corporation.
The RBC Investment Savings Account is available through your advisor(4) who can continue to provide sound advice on your portfolio.
Benefits
- Earning potential with competitive interest rates.
- More security with the trusted RBC brand(1). With the RBC Investment Savings Account, you get the added benefit of an account that is eligible for deposit insurance.
- Flexibility to choose to invest your money in a non-registered or registered account.
- Liquidity since, with the exception of Notice Period Series, your money is accessible when you want with no locked–in periods or maturity dates.(2)
Investment Type
Savings account
Interest
Interest is calculated daily and paid monthly(5)
Plan Type
Non–registered and registered plans
Currency
Canadian dollars only
Eligibility
Available to Canadian residents only and subject to additional restrictions(6)
Minimum
$500
Maximum
Royal Bank of Canada:
- Series A and F: $25,000,000(6) (available only to personal clients who are individuals)
- Corporate Series A and Corporate Series F: $50,000,000(6)
- Notice Period Series A and Notice Period Series F: $50,000,000(6)
Royal Bank Mortgage Corporation, Royal Trust Corporation of Canada and The Royal Trust Company:
- Series A and Series F: $150,000(6) (available only to personal clients who are individuals)
Settlement
- T+1
- 31 days’ prior notice is required for Notice Period Series A and Notice Period Series F
For more information please refer to the RBC Investment Savings Account
fact sheet and terms and
conditions.
RBC U.S. Investment Savings Account
Get convenience and flexibility working for you
The RBC U.S. Investment Savings Account gives you a safe place to keep your U.S. cash, while you decide how to invest it. Or, if you're using it to save your U.S. dollars, the competitive interest rates could ensure that your money keeps growing. You also have convenient and easy access to your funds, because, with the exception of Notice Period Series, your money isn't locked in, and transactions settle the next business day.(2)
Backed by the trusted RBC brand, the RBC U.S. Investment Savings Account gives you the security of knowing your U.S. funds are safe. The RBC U.S. Investment Savings Account is available through your advisor(4) who can continue to provide sound advice on your portfolio.
Benefits
- Earning potential with competitive interest rates.
- More security with the trusted RBC brand(1).
- Flexibility to choose to invest your money in a non-registered or registered account.
- Liquidity since, with the exception of Notice Period Series, your money is accessible when you want with no locked–in periods or maturity dates.(2)
Investment Type
Savings account
Interest
Interest is calculated daily and paid monthly(5)
Plan Type
Non-registered and registered plans
Currency
US dollars only
Eligibility
Available to Canadian residents only, and subject to additional restrictions(7)
Minimum
$500
Maximum
Settlement
- T+1
- 31 days’ prior notice is required for Notice Period Series A and Notice Period Series F
For more information please refer to the RBC U.S. Investment Savings Account
fact sheet and terms and
conditions.
Fund Codes
| Legal Entity | RBC | RBMC | RT Corp | RT Co. | RBC |
|---|---|---|---|---|---|
| Currency | CAD | CAD | CAD | CAD | USD |
| Series A | RBF2010 | RBF2020 | RBF2030 | RBF2040 | RBF2014 |
| Series F | RBF2011 | RBF2021 | RBF2031 | RBF2041 | RBF2015 |
| Corporate Series A | RBF2012 | - | - | - | RBF2016 |
| Corporate Series F | RBF2013 | - | - | - | RBF2017 |
| Notice Period Sr. A | RBF2100 | - | - | - | RBF2102 |
| Notice Period Sr. F | RBF2101 | - | - | - | RBF2103 |
Historical Rates
| yyyy-mm-dd | Series A | Series F |
|---|---|---|
| 2024-12-12 | 2.80 % | 3.05 % |
| 2024-10-24 | 3.30 % | 3.55 % |
| 2024-09-05 | 3.80 % | 4.05 % |
| 2024-07-25 | 4.05 % | 4.30 % |
| 2024-06-06 | 4.30 % | 4.55 % |
| 2023-07-20 | 4.55 % | 4.80 % |
| 2023-06-14 | 4.30 % | 4.55 % |
| 2023-01-31 | 4.05 % | 4.30 % |
| 2022-12-12 | 3.80 % | 4.05 % |
| 2022-12-08 | 3.55 % | 3.80 % |
| 2022-11-04 | 3.25 % | 3.50 % |
| 2022-10-27 | 3.25 % | 3.40 % |
| 2022-09-14 | 2.90 % | 3.05 % |
| 2022-09-09 | 2.85 % | 3.00 % |
| 2022-09-08 | 2.75 % | 2.90 % |
| 2022-07-21 | 2.25 % | 2.40 % |
| 2022-07-14 | 1.85 % | 2.00 % |
| 2022-06-13 | 1.25 % | 1.40 % |
| 2022-06-03 | 0.95 % | 1.10 % |
| 2022-05-25 | 0.85 % | 1.00 % |
| 2022-04-18 | 0.75 % | 0.90 % |
| 2022-04-07 | 0.60 % | 0.75 % |
| 2022-02-17 | 0.45 % | 0.55 % |
| 2021-07-30 | 0.25 % | 0.35 % |
| 2020-09-04 | 0.20 % | 0.35 % |
| 2020-04-02 | 0.25 % | 0.500 % |
| 2020-03-19 | 0.55 % | 0.800 % |
| 2020-03-06 | 1.05 % | 1.300 % |
| 2018-10-26 | 1.60 % | 1.850 % |
| 2018-07-12 | 1.35 % | 1.600 % |
| 2018-01-18 | 1.10 % | 1.350 % |
| 2017-09-08 | 0.95 % | 1.200 % |
| 2017-07-13 | 0.85 % | 1.100 % |
| 2015-07-20 | 0.75 % | 1.000 % |
| 2015-01-22 | 1.00 % | 1.250 % |
| 2011-12-08 | 1.25 % | 1.500 % |
| 2010-10-08 | 1.20 % | 1.450 % |
| 2010-10-06 | 1.10 % | 1.350 % |
| 2010-08-25 | 1.00 % | 1.250 % |
| 2010-07-29 | 0.90 % | 1.150 % |
| 2010-05-12 | 0.75 % | 1.000 % |
| 2010-02-16 | 0.50 % | 0.750 % |
| 2009-08-18 | 0.60 % | 0.850 % |
| 2009-08-04 | 0.70 % | 0.950 % |
| 2009-07-06 | 0.75 % | 1.000 % |
| yyyy-mm-dd | Corporate Series A | Corporate Series F |
|---|---|---|
| 2024-12-12 | 2.80 % | 2.90 % |
| 2024-10-24 | 3.30 % | 3.40 % |
| 2024-09-05 | 3.80 % | 3.90 % |
| 2024-07-25 | 4.05 % | 4.15 % |
| 2024-06-06 | 4.30 % | 4.40 % |
| 2023-07-20 | 4.55 % | 4.65 % |
| 2023-06-14 | 4.30 % | 4.40 % |
| 2023-01-31 | 4.05 % | 4.15 % |
| 2022-12-12 | 3.80 % | 3.90 % |
| 2022-12-08 | 3.55 % | 3.65 % |
| 2022-10-27 | 3.25 % | 3.35 % |
| 2022-09-14 | 2.90 % | 3.00 % |
| 2022-09-09 | 2.85 % | 2.95 % |
| 2022-09-08 | 2.75 % | 2.85 % |
| 2022-07-21 | 2.25 % | 2.35 % |
| 2022-07-14 | 1.85 % | 1.95 % |
| 2022-06-13 | 1.25 % | 1.35 % |
| 2022-06-03 | 0.95 % | 1.05 % |
| 2022-05-25 | 0.85 % | 0.95 % |
| 2022-04-18 | 0.75 % | 0.85 % |
| 2022-04-07 | 0.60 % | 0.70 % |
| 2022-03-04 | 0.40 % | 0.50 % |
| 2020-09-04 | 0.20 % | 0.30 % |
| 2020-04-02 | 0.25 % | 0.35 % |
| 2020-03-19 | 0.40 % | 0.50 % |
| 2020-03-06 | 0.90 % | 1.00 % |
| 2018-10-26 | 1.45 % | 1.55 % |
| 2018-07-12 | 1.20 % | 1.30 % |
| 2018-01-18 | 0.95 % | 1.05 % |
| 2017-09-08 | 0.80 % | 0.90 % |
| 2017-07-13 | 0.70 % | 0.80 % |
| 2015-07-20 | 0.60 % | 0.70 % |
| 2015-01-22 | 0.85 % | 0.95 % |
| 2012-02-13 | 1.10 % | 1.20 % |
| 2011-09-19 | 1.20 % | 1.30 % |
| 2011-06-27 | 1.20 % | N/A |
| yyyy-mm-dd | Series A | Series F |
|---|---|---|
| 2024-12-12 | 2.95 % | 3.05 % |
| 2024-10-24 | 3.45 % | 3.55 % |
| 2024-09-05 | 3.95 % | 4.05 % |
| 2024-07-25 | 4.20 % | 4.30 % |
| 2024-06-06 | 4.45 % | 4.55 % |
| 2023-07-20 | 4.60 % | 4.70 % |
| 2023-06-14 | 4.35 % | 4.45 % |
| 2023-01-31 | 4.10 % | 4.20 % |
| 2022-12-12 | 3.90 % | 4.00 % |
| 2022-12-08 | 3.65 % | 3.75 % |
| 2022-10-27 | 3.30 % | 3.40 % |
| 2022-09-14 | 2.95 % | 3.05 % |
| 2022-09-09 | 2.90 % | 3.00 % |
| 2022-09-08 | 2.80 % | 2.90 % |
| 2022-07-21 | 2.30 % | 2.40 % |
| 2022-07-14 | 1.90 % | 2.00 % |
| 2022-06-13 | 1.30 % | 1.40 % |
| 2022-06-03 | 1.00 % | 1.10 % |
| 2022-05-25 | 0.90 % | 1.00 % |
| 2022-04-18 | 0.80 % | 0.90 % |
| 2022-04-07 | 0.65 % | 0.75 % |
| 2022-03-04 | 0.45 % | 0.55 % |
| 2020-09-04 | 0.25 % | 0.35 % |
| 2020-04-02 | 0.30 % | 0.40 % |
| 2020-03-19 | 0.55 % | 0.65 % |
| 2020-03-06 | 1.05 % | 1.15 % |
| 2018-10-26 | 1.60 % | 1.70 % |
| 2018-07-12 | 1.35 % | 1.45 % |
| 2018-01-18 | 1.10 % | 1.20 % |
| 2017-09-08 | 0.95 % | 1.05 % |
| 2017-07-13 | 0.85 % | 0.95 % |
| 2016-03-31 | 0.75 % | 0.85 % |
| 2015-02-07 | 1.25 % | 1.35 % |
| yyyy-mm-dd | Series A | Series F |
|---|---|---|
| 2024-12-19 | 3.90 % | 4.15 % |
| 2024-11-08 | 4.15 % | 4.40 % |
| 2024-09-19 | 4.40 % | 4.65 % |
| 2023-08-02 | 4.90 % | 5.15 % |
| 2023-05-10 | 4.65 % | 4.90 % |
| 2023-03-28 | 4.40 % | 4.65 % |
| 2023-02-08 | 4.15 % | 4.40 % |
| 2022-12-20 | 3.90 % | 4.15 % |
| 2022-12-16 | 3.70 % | 3.95 % |
| 2022-11-04 | 3.40 % | 3.65 % |
| 2022-09-23 | 2.75 % | 2.90 % |
| 2022-08-05 | 2.20 % | 2.35 % |
| 2022-07-29 | 2.05 % | 2.20 % |
| 2022-06-27 | 1.45 % | 1.60 % |
| 2022-06-17 | 1.20 % | 1.35 % |
| 2022-05-09 | 0.70 % | 0.85 % |
| 2022-04-29 | 0.55 % | 0.70 % |
| 2022-04-07 | 0.40 % | 0.55 % |
| 2022-03-17 | 0.40 % | 0.50 % |
| 2021-07-30 | 0.20 % | 0.30 % |
| 2020-09-04 | 0.15 % | 0.30 % |
| 2020-04-02 | 0.25 % | 0.50 % |
| 2020-03-05 | 0.45 % | 0.70 % |
| 2019-11-01 | 0.95 % | 1.20 % |
| 2019-09-20 | 1.20 % | 1.45 % |
| 2019-08-02 | 1.45 % | 1.70 % |
| 2018-12-21 | 1.70 % | 1.95 % |
| 2018-10-26 | 1.60 % | 1.85 % |
| 2018-09-28 | 1.45 % | 1.70 % |
| 2018-06-14 | 1.20 % | 1.45 % |
| 2018-03-22 | 0.95 % | 1.20 % |
| 2017-12-19 | 0.70 % | 0.95 % |
| 2016-12-16 | 0.45 % | 0.70 % |
| 2011-03-08 | 0.20 % | 0.45 % |
| yyyy-mm-dd | Series A | Series F |
|---|---|---|
| 2024-12-19 | 3.90 % | 4.00 % |
| 2024-11-08 | 4.15 % | 4.25 % |
| 2024-09-19 | 4.40 % | 4.50 % |
| 2023-08-02 | 4.90 % | 5.00 % |
| 2023-05-10 | 4.65 % | 4.75 % |
| 2023-03-28 | 4.40 % | 4.50 % |
| 2023-02-08 | 4.15 % | 4.25 % |
| 2022-12-20 | 3.90 % | 4.00 % |
| 2022-12-16 | 3.70 % | 3.80 % |
| 2022-11-04 | 3.40 % | 3.50 % |
| 2022-09-23 | 2.75 % | 2.85 % |
| 2022-08-05 | 2.20 % | 2.30 % |
| 2022-07-29 | 2.05 % | 2.15 % |
| 2022-06-27 | 1.45 % | 1.55 % |
| 2022-06-17 | 1.20 % | 1.30 % |
| 2022-05-09 | 0.70 % | 0.80 % |
| 2022-04-29 | 0.55 % | 0.65 % |
| 2022-04-07 | 0.40 % | 0.50 % |
| 2022-03-17 | 0.35 % | 0.45 % |
| 2020-09-04 | 0.15 % | 0.25 % |
| 2020-04-02 | 0.25 % | 0.35 % |
| 2020-03-05 | 0.45 % | 0.55 % |
| 2019-11-01 | 0.95 % | 1.05 % |
| 2019-09-20 | 1.20 % | 1.30 % |
| 2019-08-02 | 1.45 % | 1.55 % |
| 2018-12-21 | 1.70 % | 1.80 % |
| 2018-10-26 | 1.45 % | 1.55 % |
| 2018-09-28 | 1.45 % | 1.55 % |
| 2018-06-14 | 1.20 % | 1.30 % |
| 2018-03-22 | 0.95 % | 1.05 % |
| 2017-12-19 | 0.70 % | 0.80 % |
| 2016-12-16 | 0.45 % | 0.55 % |
| 2011-09-15 | 0.20 % | 0.30 % |
| 2011-06-27 | 0.20 % | N/A |
| yyyy-mm-dd | Series A | Series F |
|---|---|---|
| 2024-12-19 | 4.05 % | 4.15 % |
| 2024-11-08 | 4.30 % | 4.40 % |
| 2024-09-19 | 4.55 % | 4.65 % |
| 2023-08-02 | 5.00 % | 5.10 % |
| 2023-05-10 | 4.75 % | 4.85 % |
| 2023-03-28 | 4.50 % | 4.60 % |
| 2023-02-08 | 4.20 % | 4.30 % |
| 2022-12-20 | 3.95 % | 4.05 % |
| 2022-12-16 | 3.75 % | 3.85 % |
| 2022-11-04 | 3.45 % | 3.55 % |
| 2022-09-23 | 2.80 % | 2.90 % |
| 2022-08-05 | 2.25 % | 2.35 % |
| 2022-07-29 | 2.10 % | 2.20 % |
| 2022-06-27 | 1.50 % | 1.60 % |
| 2022-06-17 | 1.25 % | 1.35 % |
| 2022-05-09 | 0.75 % | 0.85 % |
| 2022-04-29 | 0.60 % | 0.70 % |
| 2022-04-07 | 0.45 % | 0.55 % |
| 2022-03-17 | 0.40 % | 0.50 % |
| 2020-09-04 | 0.20 % | 0.30 % |
| 2020-04-02 | 0.30 % | 0.40 % |
| 2020-03-05 | 0.45 % | 0.55 % |
| 2019-11-01 | 0.95 % | 1.05 % |
| 2019-09-20 | 1.20 % | 1.30 % |
| 2019-08-02 | 1.45 % | 1.55 % |
| 2018-12-21 | 1.70 % | 1.80 % |
| 2018-10-26 | 1.60 % | 1.70 % |
| 2018-09-28 | 1.45 % | 1.55 % |
| 2018-06-14 | 1.20 % | 1.30 % |
| 2018-03-22 | 0.95 % | 1.05 % |
| 2017-12-19 | 0.70 % | 0.80 % |
| 2016-12-16 | 0.45 % | 0.55 % |
| 2015-02-07 | 0.20 % | 0.30 % |
Contact Us
For more information and sound financial advice, please talk to your investment advisor.
Legal Disclaimer 1)
RBC Investment Savings Account is offered by each of Royal
Bank of Canada, Royal Bank Mortgage Corporation, Royal Trust Corporation of
Canada (“RTCC”) and The Royal Trust Company. Each is a member of the Canada
Deposit Insurance Corporation (CDIC). RBC Investment Savings Account is eligible
for deposit insurance with the CDIC, subject to CDIC rules and regulations. RBC
Investment Savings Account offered by RTCC is not available to clients resident
in the Province of Quebec. RBC U.S. Investment Savings Account is offered only
by Royal Bank of Canada. For more information please refer to the RBC Investment Savings Account – fact
sheet and terms and conditions and RBC U.S. Investment Savings Account -
fact sheet and terms and conditions .
Legal Disclaimer 2)
31 days’ notice is required prior to withdrawal of funds
from Notice Period Series A and Notice Period Series F.
Legal Disclaimer 3)
Interest rates are per annum and are calculated daily on the
closing credit balance and paid monthly. Interest rates are subject to change at
any time at the discretion of the provider.
Legal Disclaimer 4)
The account is available through registered investment
dealers or mutual fund dealers in Canada only. It is available through FundSERV
in nominee name only. Notice Period Series A and Notice Period F may not be
available through all dealers.
Legal Disclaimer 5)
Interest is calculated daily on the closing credit balance
and paid monthly by way of credit to the account on the last business day of the
calendar month or, upon request, paid as a cash distribution to your account at
the dealer. If the last business day of the calendar month is followed by any
non–business days, the monthly interest payment shall include interest to be
earned on the non–business days that follow month end, even if the non-business
days belong to the next calendar month. The interest payment of the next
calendar month shall be adjusted accordingly. Daily interest will be accrued
beginning on the business day of the deposit in the account and ending on the
day that precedes the day on which the order to withdraw funds in the account is
received by the provider. The interest rate is an annual rate and the interest
calculation is a simple interest calculation. Interest is earned in the currency
of the account. Interest rates are subject to change at any time at the
discretion of the provider. The current interest rate applicable to each series
may be obtained by contacting the dealer or visiting www.rbc.com/investmentsavings.
Legal Disclaimer 6)
Subject to Eligibility Criteria. Please see Fact Sheet for additional
eligibility rules.
Legal Disclaimer 7)
Subject to Eligibility Criteria. Please see Fact Sheet for additional
eligibility rules.
Legal Disclaimer
®/™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are
registered trademarks of Royal Bank of Canada.