EN
Features At-a-Glance
Tap, click and swipe without extra fees
Unlimited debit transactions in Canada
Take cash out when you need it
No RBC fee to use another bank’s ATM in Canadalegal bug 3, legal bug 4
FREE Interaclegal bug ‡ e-Transfer
No minimum balance (even to get rebates)
$5.95 or $0 monthly fee with Value Program Rebatelegal bug 7
$0 monthly feelegal bug 8 for full-time studentslegal bug 9
$0 monthly fee for one year for newcomerslegal bug 10
$7.95 monthly fee for seniorslegal bug 11 — or less with Value Program Rebatelegal bug 7
Tap, click and swipe without extra fees
Unlimited debit transactions in Canada
Take cash out when you need it
No RBC fee to use another bank’s ATM in Canadalegal bug 3, legal bug 4
FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 5, legal bug 6
No minimum balance (even to get rebates)
$5.95 or $0 monthly fee with Value Program Rebatelegal bug 7
$0 monthly feelegal bug 8 for full-time studentslegal bug 9
$0 monthly fee for one year for newcomerslegal bug 10
$7.95 monthly fee for seniorslegal bug 11 — or less with Value Program Rebatelegal bug 7
Other Features Included in this Account
| Avion Pointslegal bug 12 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Online, Mobile and Telephone Banking | FREE |
| eStatements | FREE |
| Monthly Paper Statements | $2.25 without cheque image, $2.50 with cheque image |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar year legal bug 15 |
| Personalized Cheques | Fees Apply |
| Right Account Guarantee® | If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 months.legal bug 13 |
Optional Services
| Using a PLUS System ATM in Canada or the U.S.legal bug 3, legal bug 4 | $3 each |
| Using a PLUS System ATM Outside Canada or the U.S.legal bug 3, legal bug 4 | $5 each |
| Cross-Border Debitslegal bug 17 | $1 each |
| Overdraft Protectionlegal bug 18 | $5/month, plus overdraft interest (if used) |
| Safe Deposit Box | Open in new windowRegular Fees Apply |
| Bank Drafts | $9.95 each |
For details about other services, see additional account services.
Unlock More from Your Everyday Banking.
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. Only at RBC.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 13 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 21
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 22
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 23 learn your spending patterns to find your extra dollars and move them to a savings account for you.
Get rewarded for the things you do every day
You can now earn Avion points when you enrol an eligible account in the Value Program and use your account to make debit purchases in-store or online.legal bug 13
Combine points with those earned with your Avion Rewards credit card and redeem them for gift cards, travel and much more!
Save on monthly fees—no minimum balance needed
Pay as low as $0/month when you use your account and have other products.legal bug 7
See How Much You Could Save and Earn
See How Much You Could Save and Earn
Save on your account’s monthly fees and earn Avion points faster when you enrol in the Value Program and have other RBC products.
1 Avion point per
spent on debit
Monthly Fee
after rebate*
Choose the product categories you’re interested in or already have:
Save cash on gas
Link your eligible RBC debit card or credit card to your Petro-Points card to save 3¢/L on gaslegal bug 14 and earn 20% more Petro-Pointslegal bug 19 at Petro-Canada locations.
Get personalized insights with NOMI
Want to know what you spent on groceries last month or if a payment might be due? NOMI Insights can tell you this and more. It can even let you know if an unusual transaction was made on your account. Only available in the RBC Mobilelegal bug 20 app.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 14 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 21
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 22
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 23 learn your spending patterns to find your extra dollars and move them to a savings account for you.
Support & Resources
How can we help you today?
Your Top Questions Answered
Your Top Questions Answered
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal bug 7 and the Seniors Rebatelegal bug 11 on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.
If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.
Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.
There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank accountlegal bug 12 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.
Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.
Learn more about Avion Rewards.
RBC Online and Mobile Banking maintain the highest security standards.
Every time you access your account, you’re protected with the latest security and encryption features. These, along with timed automatic logouts, ensure the safety and privacy of your personal information.
We also offer our RBC Online Banking Security Guarantee+ to protect you against unauthorized transactions.
There are some simple steps you can take to ensure the security of your information and the protection of your privacy:
- Protect your password. It's your key to accessing your accounts. Don't reveal it to anyone.
- Memorize your password. Never write it down or store it on your smartphone.
- Don’t choose passwords that include your name, telephone number, address or birthday or those of any close friend or relative.
- Never share your device passcode or leave your smartphone unattended while using the RBC Mobile app.
- Ensure that you download the app created by Royal Bank of Canada. Just to be safe, you can go to our site at www.rbcroyalbank.com/mobileapps, select your device and you will be directed to our app on the appropriate store.
Please visit our Privacy and Security page for more detailed information.
+ For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.
No, RBC Vantage isn’t a bank account—it describes all of the powerful benefits you get with any eligible RBC bank account.
If you are opening a new account, you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.
If you already have an eligible bank account, an RBC advisor can enrol your account in the Value Program for you. Please book an appointment Opens in new window, call 1-800-769-25111-800-769-2511 or visit a branch Opens in new window.
Both programs offer a monthly fee rebate for having an eligible RBC bank account and other eligible RBC products. However, the Value Program also gives you the ability to earn Avion pointslegal bug 12 when you use your enrolled account to make in-store and online debit purchases. The Value Program also offers more ways to earn a monthly fee rebate.legal bug 7
If you currently have the MultiProduct Rebatelegal bug 24 on an account, but you do not complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) each month, the Value Program may not be the right fit for you.
For help deciding between the MultiProduct Rebate and the Value Program, please book an appointment Opens in new window with an RBC advisor. You can also call us at 1-800-769-25111-800-769-2511 or visit a branch Opens in new window.
Note: MultiProduct Rebate is only available to bank accounts opened prior to the date on which the Value Program became available to the Canadian public.
NOMI Find & Save is a free service that makes savings simple and effortless. It's a smart, predictive and personalized savings solution that looks for pockets of money in your cash flow to automatically save.
NOMI Find & Save will move money from your source Chequing account up to three times per week. Since NOMI Find & Save understands your transaction behaviours, it will not set aside more savings than you can afford. There is no need for you to add money directly. NOMI Find & Save finds and saves the money for you. What's more, deposit interest is calculated daily and paid monthly on the balance saved and held in your NOMI Find & Save.
In addition, NOMI Find & Save identifies upcoming cheques and pre-authorized payments in excess of your source account balance and automatically moves money into the source account to avoid fees.
To enrol, simply sign in to RBC Mobile, tap "More" and then tap "Find & Save". If you are eligible, you will be presented with the Getting Started page. You will receive push notifications alerting you every time money is saved to help balance savings and day to day banking. If push notifications for your RBC Mobile app have been disabled, they can be re-enabled at any time through device settings. Alerts will also be sent to your Alerts Inbox within the RBC Mobile app.
You can access your money in NOMI Find & Save anytime by going to your NOMI Find & Save details and selecting Transfer Money. From there you will be able to transfer any amount available in NOMI Find & Save back into any eligible chequing or savings account. You can do this from within the RBC Mobile app or through RBC Online Banking.
Need Some Additional Help?
Book a virtual appointment with an advisor: 1-800-769-2561 (Open 24/7)
Your privacy matters to us
Protecting your privacy and safeguarding your personal information is a cornerstone of our organizational ethics and values and will always be one of our highest priorities.
RBC Digital Banking Security Guarantee
With the RBC Digital Banking Security Guarantee, you’re fully protected against any transactions you didn’t make or approve.
Right Account Guarantee
That’s the Right Account Guarantee™. If you open or upgrade to an eligible* RBC banking account and you’re not completely satisfied with it, we will refund your monthly fees for up to 3 months.
Digital Channel Privacy
What information does RBC collect and how is it used? Does RBC share my information?
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
Eligibility criteria for an offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific offer for more details.