1 Applies to banking accounts only. Limit one rebate per account.
Some conditions & exceptions may apply.
2 Must be used during the monthly cycle in which it was provided.
3 ATM operator surcharge (also called a convenience fee) may apply. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
4 Transaction fees may apply for bill payments or funds transfers made through Online Banking and are separate from access fees.
5 Subject to credit approval.
6 Totals are not cumulative and, if not used, cannot be carried over into the next applicable monthly cycle or calendar year.
7 Pro-rated for partial years.
8 One free processing fee is included with VIP banking over the lifetime of the account. This applies to your primary residential home only. Construction draw mortgages are not eligible for the free processing fee.
9 RBC Student Banking® and RBC No Limit Banking for Students® accounts are available to any full-time student upon presentation of student identification.
10 An inactive account notice is sent when the customer has not performed any transactions between January 01 and December 31 for two consecutive years. An inactive account fee is charged each year the account is inactive, but notices are only sent after the 2nd and 5th year the account has been inactive, if applicable. If the account remains inactive for 9 years, the account is closed and the funds balance is transferred to Bank of Canada.
11 Canadian Dollar equivalent.
12 Fee waived if monthly electronic statement is selected.
13 On operating account only.
14 Foreign currency purchases are converted to Canadian dollars at an exchange rate 2.5 per cent over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
15 Subject to credit approval.
16 All fees are payable in Canadian dollars, regardless of the currency of the payment.
17 Additional changes may be deducted from the payment amount by the receiving financial institution and/or its intermediaries.
18 Inquiries/traces can be subject to fees other than those collected by RBC Royal Bank.
19 If another bank needs to be contacted, add an additional $25 plus GST.
21 Fee waived when Senior's rebate applied.
22 The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
23 Excludes RBC High Interest eSavings® account.
24 One certificate per customer. Can be used towards any preferred supplier vacation package, tour or cruise booking with a minimum value of $2,500, exclusive of taxes. Certificates can be combined: one certificate with each $2,500 worth of travel. Valid for two years from date of issue.
25 1, 2 or 3 additional RBC Rewards points are awarded per dollar spent on qualifying purchases made at all Canadian Carlson Wagonlit Travel (“CWT”) locations. Additional points are awarded by CWT and are in addition to the standard RBC Rewards points you earn per dollar when you redeem your points or pay with your eligible RBC Royal Bank credit card, and will appear on your credit card statement 4–6 weeks after travel departure date, provided your credit card account was in good standing at time of travel. Additional points for airline tickets are awarded to a maximum of 500 points. Other conditions and restrictions apply. CWT, not Royal Bank of Canada, is responsible for the CWT program. For more details, visit: www.rbcrewards.com/cwtdetails
26 Fees may apply on the account from which the money has been transferred.
27 Fees may apply on the account from which the money has been transferred. Includes RBC Royal Bank and RBC Centura® and RBC Direct Investing™ accounts in your name only (sole ownership) and those that you share with others (joint ownership). Online transfers are not available for RBC Royal Bank U.S. Dollar Visa* Gold cards.
28 RBC Online Banking is provided by Royal Bank of Canada.
29 Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars per transaction per 24-hour period.
30 This service is not available to recipients in Canada, the United States, Puerto Rico and in restricted countries.
31 Rebate for the co-applicant will only occur if the co-applicant incurred an annual fee greater than $34. rebate will not apply if an annual fee was not paid.
32 Savings were calculated assuming 45 debits per month and are compared to RBC Day to Day Banking®. The amount actually saved will vary depending on the extent to which you use each of the account services.
33 Savings were calculated assuming the use of all banking services available within the package. The amount actually saved will vary depending on the extent to which you use each of the account services. For this calculation, the following assumptions regarding service use were made: Overdraft protection, 1 cheque order annually, 2 Interac e-Transfers per month, $2,500CDN of travelers cheques purchased annually, plus the use of 4 bank drafts annually, travel coupon and the annual rental of a small safe deposit box. Savings for the RBC Signature No Limit Banking account also includes 45 debits per month, 3 Interac withdrawals per month and annual fees on an Rewards credit card.
34 Savings were calculated assuming the use of all banking services available within the package. The amount actually saved will vary depending on the extent to which you use each of the account services. For this calculation, the following assumptions regarding service use were made: overdraft protection, 1 cheque order annually, 2 Interac e-Transfers per month, $2,500 CDN of travellers cheques purchased annually, plus use of 4 drafts/ services annually, travel coupon; the annual rental of a small safe deposit box. Monthly savings also include 100 debits (operating and alternate accounts), 3 Interac ATM withdrawals per month, 1 PLUS ATM withdrawal, 2 cross-border debits per month, 2 certified cheque services, annual fee of the applicant/co-applicant credit card, 1 assisted stop-payment annually and Self-Directed RRSP.
35 Savings are based on the cost of banking service fees for a typical account holder with an RBC Student Banking account compared to the cost of an RBC Day to Day Banking account. For this calculation, the following assumptions regarding service use were made: 55 debits per month (at a cost of $1.00 for each debit over 25), and credit card fees rebate ($39 rebated for either the Signature RBC Rewards Visa card or WestJet RBC MasterCard). The amount actually saved will vary depending on the extent to which each of the account services is used.
36 Savings are based on the cost of banking service fees for a typical account holder with an RBC No Limit Banking for Students account compared to the cost of an RBC Student Banking account. For this calculation, the following assumptions regarding service use were made: 55 debits per month (at a cost of $1.00 for each debit over 25), credit card fees rebate ($39 rebated for either the Signature RBC rewards Visa card or Westjet RBC Mastercard) and waived monthly fees with MultiProduct Rebate ($10.95). The amount actually saved will vary depending on the extent to which each of the account services is used.
37 Savings were calculated assuming the use all of the debits in those accounts with a debit limit and are compared to RBC Day to Day Banking. The amount actually saved will vary depending on the extent to which you use each of the account services.
38 If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you:
i) complete the Student Information section of the credit card application form in full;
ii) remain a student; and
iii) are the primary or co-owner of an Eligible Bank Account throughout your studies.
|Eligible Credit Cards||Annual Fee Rebate|
|Signature RBC Rewards® Visa card†||$39|
|WestJet RBC MasterCard‡||$39|
|RBC Visa Cash Back||$19|
Subject to credit approval
You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee.
If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer.
Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate.
39 When you use your Virtual Visa Debit Number for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary of Visa Inc. on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate.
40 Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.
41 When you use Virtual Visa Debit to make a payment:
^^ Eligible cards for MultiProduct Rebate include: Infinite Avion; Platinum Avion; RBC® Rewards Visa‡ Preferred, Signature RBC Rewards Visa; RBC Royal Bank Visa Classic II Student; RBC Rewards Visa Gold; RBC Rewards Visa Classic; US Dollar Visa Gold; RBC Visa Cash Back; RBC Royal Bank Visa Classic Low Rate Option; WestJet RBC MasterCard‡; WestJet RBC World Elite MasterCard‡; Cash Back MasterCard‡; and RBC partner rewards cards : RBC® British Airways Visa Infinite‡; Cathay Pacific Platinum; Esso Visa; RBC Shoppers Optimum‡ MasterCard; RBC Pharmaprix Optimum‡ MasterCard.
* Registered trademark of Visa International Service Association. Used under license.
† Registered trademark of American Express Company. Used under license.
‡ All other trademarks are the property of their respective owner(s).
†† Carlson Wagonlit Travel is a registered trademark of Carlson Wagonlit Canada ("Carlson Wagonlit Travel"). Used under license.
††† Registered trademark of Canada Post Corporation. Used under license.
RBC Direct Investing Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. *Member-Canadian Investor Protection Fund.