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Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
All other trademarks are the property of their respective owner(s).
No Canadian credit history required for a credit card.
Provided you meet all of Royal Bank of Canada’s eligibility and credit criteria, and provided you are a permanent resident who has arrived in Canada within the last 12 months, you may be eligible for an unsecured or secured RBC Royal Bank credit card even if you have no Canadian credit history.
Based on market capitalization.
Available only to newcomers to Canada who have arrived in Canada within the last 12 months and to newcomers who arrived between one and three years ago when they switch their account from another financial institution. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.
Monthly fee will be waived for the first nine months upon account opening of the RBC No Limit Banking account. Monthly fee is $10.95. Other account transaction fees may apply. Monthly fee waiver for the first nine months may be replaced with any in-market offer that applies to the RBC No Limit Banking account. Available only to newcomers; please see the eligibility requirements in note #1.
No annual fee is available on the following RBC Royal Bank credit cards: RBC Cash Back Mastercard, RBC Rewards+™ Visa, RBC Visa Platinum.
You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan®, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information. Available to permanent residents who have been in Canada less than 5 years. Temporary residents may also apply. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country.
We guarantee your interest rate for the selected mortgage type and term for up to 120 days from the application date. If the mortgage is not funded within the 120 day period, the interest rate guarantee expires.
Enjoy preferred interest rates on the first term of non-redeemable, redeemable and one-year cashable GICs with a minimum term of one year and a balance of $1,000 or more. Regular interest rates apply upon renewal. Available only to newcomers; please see the eligibility requirements in note #1.
Unlimited FREE Interac e-Transfers available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Interac e-Transfers are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfers are not available in US dollar accounts.
RBC International Money Transfer is available for a $13.50 CAD per transaction fee. Excess debit transaction fee may also apply depending on the account. Additional service fees may also be charged by any intermediary and receiving bank. Maximum limit of $2,500 CAD or Canadian dollar equivalent allowed per client per day. If you are eligible, we may allow you to exceed this limit on a per transaction basis up to a maximum of $10,000 CAD per day, if your current Canadian mobile phone number has been added to your RBC profile and you successfully complete an additional authentication process. You cannot send an International Money Transfer from a U.S. dollar account or the RBC High Interest eSavings account. This service may not be used to send funds to recipients in Canada and in restricted countries.
You may be eligible for an RBC Royal Bank automotive car loan even if you have no Canadian credit history. Available to permanent residents and foreign workers who have been in Canada less than 3 years. Minimum of 25% down payment is required. Maximum financing term is 60 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 4 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
Only available with the RBC No Limit Banking account, RBC Signature No Limit Banking account or RBC VIP Banking account. Up to two-year rental of a small safe deposit box with annual fees waived, where boxes are available. Safe deposit box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an eligible account, your fees for the box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. Available only to newcomers; please see the eligibility requirements in note #1.
Personal clients: enjoy a preferred foreign exchange rate on all transactions made during the first 12 consecutive months of account opening with the use of your RBC Signature No Limit Banking® account or RBC VIP Banking® account. Available only to newcomers; please see the eligibility requirements in note #1. Business clients: enjoy a preferred foreign exchange rate on all transactions made during the first 12 consecutive months of account opening with the use of any RBC Business Banking Account. Available only to newcomer business clients who have arrived in Canada within the last 5 years. Regular foreign exchange rates apply on all other deposit accounts. The preferred rate only applies to foreign exchange transactions made at an RBC branch within Canada. See branch for details. This offer may be withdrawn at any time without notice; foreign exchange rates are subject to change without notice.
$50 credit available when opening any eligible new RBC Royal Bank business banking account (except the RBC Royal Bank Small Business eAccount).
For full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see the Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.