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Personal Banking > Bank Accounts > Chequing Accounts > RBC VIP Banking

RBC VIP Banking

You are on: Features & Benefits

Features of this account

Pay only one monthly fee for a full range of personal banking services and travel benefits including:

  • Applicant and co-applicant fees rebated on one RBC Royal Bank premium credit card(15)
  • Unlimited banking transactions including Interac and PLUS System network fees waived(3)
  • Choice of up to two additional Canadian and one U.S personal account with monthly fees waived(23)
  • Overdraft protection(5,46) and free RBC Royal Bank VIP personalized style cheques
  • Exclusive travel offers and savings (opens new window), as well as special deals on vacation packages, last minute travel, cruises, tours and more.
  • Waived fees or discounts for many other RBC services
  • RBC Direct InvestingTM quarterly maintenance fee is waived. The maintenance fee covers all RBC Direct Investing accounts including TFSA, RESP, RRSP, Spousal RRSP, RRIF and non-registered accounts.

Is it right for you?

  • You have a high number of transactions and frequently use other bank ATMs
  • You have a rewards credit card with an annual fee
  • You could use other services like overdraft protection, safety deposit box, multiple accounts, and occasional drafts

Protect yourself


RBC Virtual Visa Debit

  • A safe and secure way to pay for online, telephone or mail order purchases in the U.S. and internationally anywhere Visa is accepted(39) and in Canada, anywhere Visa Debit is accepted with the funds debited directly from your personal deposit account(41).

  • Over 15,000 online Canadian merchants already accept Visa Debit

Learn more



  • Access to myFinanceTracker - an online financial management tool that helps you take control of your finances
  • With myFinanceTracker, you can easily track your expenses to help you understand where your money is going and how much you have available to spend or save - at any time.

Save even more

  • Save over $1,113 each year with the features included with this package(34)
  • You may also qualify for the MultiProduct Rebate® on your monthly banking fee if you have other eligible products with RBC(^^)
  • Earn double, triple even quadruple RBC Rewards points(25) when you book your travel on your RBC Rewards credit card through Carlson Wagonlit Travel
  • With our Seniors Rebate, the monthly fee is $22.50 for eligible clients age 65 and over(44)

Accessing your accounts

  • Free access to RBC Online Banking, Mobile, and Telephone Banking
  • Convenient access to Canada's largest network of branches and ATMs
  • Customer service available in over 150 languages

You are on: Additional Services

Qualifying credit cards

Fee Information
Fee Information
RBC Royal Bank credit card(15)

Annual fee fully rebated for the primary cardholder and the co-applicant on any of the following eligible credit cards(15): Visa Infinite Avion®, Visa Platinum Avion, RBC® Rewards Visa Preferred, U.S. Dollar Visa Gold, RBC® British Airways Visa Infinite, Cathay Pacific Visa Platinum, or WestJet RBC World Elite MasterCard. Partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of the RBC® Avion® Visa Infinite Privilege.

Recordkeeping Options

Fee Information
Fee Information
eStatement and eNotifications including cheque images viewed online less than 90 days old Free
Monthly Paper Statement (consolidated/combined(20)) Free
Cheque Images returned with paper statement Free

Other Services Provided

Fee Information
Fee Information
Access to Online, Mobile and Telephone Banking(4) Free
Access to myFinanceTracker myFinanceTracker (opens new window) Free
Exclusive Travel Benefits Exclusive Travel Benefits (opens new window) Register to receive $100 Travel Certificate/year
Identity Theft Protection Identity Theft Protection (opens new window) Included
American Express() Travellers Cheques Commission-free single signature
Drafts(6) Up to 12 commission-free per calendar year
Safe Deposit Box(7) Annual discount — Maximum $45.00
Recurring funds transfers Included
Certificate of Loan Balance / Interest paid (for tax purposes) Waived Fee
Processing Fee for Residential Mortgage excluding Construction Draw Mortgages(8) 1 free Processing Fee
Priority Service — 24/7 Call 1-800-769-2511 and enter your client card number to experience shorter wait times and connect with our most knowledgeable specialists.

You are on: Online Banking

Free Access to Online Banking(4)

If you're looking for the most convenient and comprehensive way to manage your day-to-day banking needs, look no further than RBC Royal Bank Online Banking. From financial calculators to a variety of convenient services including bill payments and fund transfers — you'll wonder how you ever lived without it. Even more, you'll enjoy free access with your banking account!

  • Transfer funds between accounts
  • Pay bills; even postdate payments if you choose
  • Make payments to personal loans, mortgages, credit card accounts, etc.
  • Obtain account balances and updates
  • Track previous transactions
  • Contribute to your RBC Royal Bank RRSP
  • Check current interest and foreign exchange rates
  • Apply for other RBC Royal Bank products


A dynamic, customizable financial management tool that allows you to turn your banking information into valuable knowledge that allows you to see and seize opportunities to get ahead.

  • Access to myFinanceTracker – an online financial management tool that helps you take control of your finances
  • With myFinanceTracker, you can easily track your expenses to help you understand where your money is going and how much you have available to spend or save – at any time.

RBC Online Banking Security Guarantee

We understand how important information security and privacy are to you. To provide you with greater peace of mind, we have developed the RBC Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Online Banking service, you will be reimbursed 100% for any resulting losses to those accounts.(+)

You are on: Fees

Operating Account

(Account on which the monthly fee is applied)

Fee Information
Fee Information
Monthly fee $30.00
Monthly fee after MultiProduct Rebate®(^^)

$19.95 when you hold each of the following eligible RBC® products:

An RBC investment or RBC Direct Investing™ account


An eligible RBC Royal Bank credit card


An RBC Royal Bank residential mortgage or RBC HomeLine Plan®

Monthly fee after Seniors Rebate(44) $22.50
Free debits per monthly cycle Unlimited
Interac and PLUS System ATM network access fees(3) Unlimited
Free personalized cheques(13) Free
RBC VIP style
Search for Records/Trace Items greater than 90 days old(6,13) 4/year
Deposited item returned NSF Waived Fee
Overdraft protection(5,46) Free
Certified cheques(6) Up to 2 free per calendar year
Stop payments(13) Included
Interac e-Transfer(6,13) Unlimited
Cross-Border Debit(13,14) Free

Alternate Accounts(23)

(available, if selected, with waived fees)

Fee Information
Fee Information
Additional accounts available if selected (in name of primary account holder and/or spouse) Two Canadian dollar accounts plus one U.S. dollar account
Free debits per monthly cycle Unlimited
Interac and PLUS System ATM network access fees(3) Waived fee on Canadian dollar accounts; not available on U.S. account

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Why Choose
RBC VIP Banking

RBC VIP Banking

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