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A range of accounts with the valuable features you want.
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Monthly Debits Needed
Credit Card Fee Rebate Included
U.S. Debits Included
Compare All Account Features
| no value |
THE ESSENTIALS |
UNLIMITED DEBITS & MORE |
UNLIMITED DEBITS & EVEN MORE |
ALL-INCLUSIVE |
|---|---|---|---|---|
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$4 monthly feelegal bug 1 |
$11.95 monthly feelegal bug 1 |
$15.95 monthly feelegal bug 1 |
$30 monthly feelegal bug 1 |
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$4 monthly feelegal bug 1 |
$11.95 monthly feelegal bug 1 |
$15.95 monthly feelegal bug 1 |
$30 monthly feelegal bug 1 |
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| Right Account Guarantee® | Includedlegal bug 2 | |||
| RBC Rewards Points
RBC Rewards gives you the opportunity to earn RBC Rewards 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 account that is enrolled in the Value Program or when you make purchases with an RBC Rewards credit card. RBC 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. |
Minimum of 1 RBC Rewards point for every $10 spent on debitlegal bug 3 (when you enrol eligible account in the Value Program) | |||
| Minimum Balance Required | None | |||
| Interac e-Transfer Transactionslegal bug 4,legal bug 5 | FREE | |||
| Debit Transactions | 12/monthlegal bug 6 ($1.25 each thereafter) | Unlimited in Canada | Unlimited in Canada | Unlimited worldwidelegal bug 26 |
| Fee to Use Non-RBC Interac ATM in Canada | $2 eachlegal bug 7 | No feelegal bug 7 | 3 waived/monthlegal bug 8 ($2 each thereafter) | No feelegal bug 7,legal bug 9 |
| Cross-Border Debitslegal bug 10 | $1 each | $1 each | 5 FREE/month ($1 each thereafter) | FREE |
| Eligible Credit Card Annual Fee Rebate |
— | — (Up to $39 rebate for studentslegal bug 11) |
Up to $39 rebatelegal bug 12 | Up to $120 rebatelegal bug 13 |
| Extra Accounts with Waived Transaction Fees | — | — | — | Up to 2 Canadian and 1 U.S. dollar accountlegal bug 14 |
| Monthly Fee after Value Program Rebatelegal bug 15 | $0 | $5.95 or $0 | $9.95 or $4 | $24 or $18.05 |
| Monthly Fee after Senior Rebatelegal bug 16 (or less with Value Program Rebate) | $0 | $7.95 | $11.95 | $22.50 |
| Monthly Fee after Student Rebatelegal bug 17,legal bug 18 | n/a | $0 | n/a | n/a |
| Monthly Fee after Newcomer to Canada Rebatelegal bug 19 | n/a | $0 (for one year) | n/a | n/a |
| Monthly Fee after RDSP Beneficiary Rebatelegal bug 20 | $0 | n/a | n/a | n/a |
| Fee to Use PLUS System ATM in Canada/U.S.legal bug 7, legal bug 21 | $3 each | $3 each | $3 each | No feelegal bug 9 |
| Fee to Use PLUS System ATM Outside Canada/U.S.legal bug 7, legal bug 21 | $5 each | $5 each | $5 each | No feelegal bug 9 |
| Overdraft Protectionlegal bug 22 (Overdraft interest applies, if used) | $5/month | $5/month | Fee waived | Fee waived |
| Safe Deposit Box | Regular fees apply | Regular fees apply | Up to $12/year discount on regular feeslegal bug 23 | Up to $60/year discount on regular feeslegal bug 23 |
| Personalized Cheques | Fees apply | 1 book of 50 cheques FREE, afterwards fees applylegal bug 24 | FREElegal bug 25 | FREElegal bug 26, RBC VIP Style |
| Bank Drafts | $8.50 each | $8.50 each | 6 FREE/yearlegal bug 27 ($8.50 each thereafter) | 12 FREE/yearlegal bug 27 ($8.50 each thereafter) |
| Assisted and Self-Serve Transactions | FREE | FREE | FREE | FREE |
| Online, Mobile and Telephone Banking | FREE | FREE | FREE | FREE |
| eStatements and eNotifications | FREE | FREE | FREE | FREE |
| Monthly Paper Statements (Consolidated / Combined) |
FREE | FREE | FREE | FREE |
| Cheque Images Returned with Paper Statement | $2.50 per month (FREE on accounts with the Seniors Rebate) | $2.50 per month (FREE on accounts with the Seniors Rebate) | FREE | FREE |
Choose Accounts to Compare
$4
monthly feelegal bug 1
$11.95
monthly feelegal bug 1
$15.95
monthly feelegal bug 1
$30
monthly feelegal bug 1
Compare All Account Features |
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The Essentials RBC Day to Day Banking$4 monthly fee |
Unlimited Debits & More RBC Advantage Banking$11.95 monthly fee |
Unlimited Debits & Even More RBC Signature No Limit Banking$15.95 monthly fee |
All-Inclusive RBC VIP Banking$30 monthly fee |
Pick another account |
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The Essentials RBC Day to Day Banking$4 monthly fee |
Unlimited Debits & More RBC Advantage Banking$11.95 monthly fee |
Unlimited Debits & Even More RBC Signature No Limit Banking$15.95 monthly fee |
All-Inclusive RBC VIP Banking$30 monthly fee |
Pick another account |
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| Right Account Guarantee® | ||||
| Includedlegal bug 2 | ||||
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RBC Rewards Points
RBC Rewards gives you the opportunity to earn RBC Rewards 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 account that is enrolled in the Value Program or when you make purchases with an RBC Rewards credit card. RBC 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. |
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| Minimum of 1 RBC Rewards point for every $10 spent on debitlegal bug 3 (when you enrol eligible account in the Value Program) | ||||
| Minimum Balance Required | ||||
| None | ||||
| Interac e-Transfer Transactionslegal bug 4,legal bug 5 | ||||
| FREE | ||||
| Debit Transactions | ||||
| 12/monthlegal bug 6 ($1.25 each thereafter) | Unlimited in Canada | Unlimited in Canada | Unlimited worldwidelegal bug 26 | |
| Fee to Use Non-RBC Interac ATM in Canada | ||||
| $2 eachlegal bug 7 | No feelegal bug 7 | 3 waived/monthlegal bug 8 ($2 each thereafter) | No feelegal bug 7,legal bug 9 | |
| Cross-Border Debitslegal bug 10 | ||||
| $1 each | $1 each | 5 FREE/month ($1 each thereafter) | FREE | |
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Eligible Credit Card Annual Fee Rebate |
||||
| — |
— (Up to $39 rebate for studentslegal bug 11) |
Up to $39 rebatelegal bug 12 | Up to $120 rebatelegal bug 13 | |
| Extra Accounts with Waived Transaction Fees | ||||
| — | — | — | Up to 2 Canadian and 1 U.S. dollar accountlegal bug 14 | |
| Monthly Fee after Value Program Rebate legal bug 15 | ||||
| $0 | $5.95 or $0 | $9.95 or $4 | $24 or $18.05 | |
| Monthly Fee after Senior Rebatelegal bug 16 (or less with Value Program Rebate) | ||||
| $0 | $7.95 | $11.95 | $22.50 | |
| Monthly Fee after Student Rebatelegal bug 17, legal bug 18 | ||||
| n/a | $0 | n/a | n/a | |
| Monthly Fee after Newcomer to Canada Rebatelegal bug 19 | ||||
| n/a | $0 (for one year) | n/a | n/a | |
| Monthly Fee after RDSP Beneficiary Rebatelegal bug 20 | ||||
| $0 | n/a | n/a | n/a | |
| Fee to Use PLUS System ATM in Canada/U.S.legal bug 7, legal bug 21 | ||||
| $3 each | $3 each | $3 each | No feelegal bug 9 | |
| Fee to Use PLUS System ATM Outside Canada/U.S.legal bug 7, legal bug 21 | ||||
| $5 each | $5 each | $5 each | No feelegal bug 9 | |
| Overdraft Protectionlegal bug 22 (Overdraft interest applies, if used) | ||||
| $5/month | $5/month | Fee waived | Fee waived | |
| Safe Deposit Box | ||||
| Regular fees apply | Regular fees apply | Up to $12/year discount on regular feeslegal bug 23 | Up to $60/year discount on regular feeslegal bug 23 | |
| Personalized Cheques | ||||
| Fees apply | 1 book of 50 cheques FREE, afterwards fees applylegal bug 24 | FREElegal bug 25 | FREElegal bug 26, RBC VIP Style | |
| Bank Drafts | ||||
| $8.50 each | $8.50 each | 6 FREE/yearlegal bug 27 ($8.50 each thereafter) | 12 FREE/yearlegal bug 27 ($8.50 each thereafter) | |
| Assisted and Self-Serve Transactions | ||||
| FREE | FREE | FREE | FREE | |
| Online, Mobile and Telephone Banking | ||||
| FREE | FREE | FREE | FREE | |
| eStatements and eNotifications | ||||
| FREE | FREE | FREE | FREE | |
| Monthly Paper Statements (Consolidated / Combined) | ||||
| FREE | FREE | FREE | FREE | |
| Cheque Images Returned with Paper Statement | ||||
| $2.50 per month (FREE on accounts with the Seniors Rebate) | $2.50 per month (FREE on accounts with the Seniors Rebate) | FREE | FREE | |
| Open now for RBC Day to Day Banking | Open now for RBC Advantage Banking | Open now for RBC Signature No Limit Banking | Open now for RBC VIP Banking | |
Want help choosing a chequing account? Let’s find it now.
Want help choosing a chequing account? Let’s find it now.
How many purchases, withdrawals and bill payments do you make each month?
Tip: Exclude Interac e-Transfer transactionslegal bug 4,legal bug 5 and transfers between RBC accounts — they’re free.
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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 2 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 31
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 32
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 33 learn your spending patterns to find your extra dollars and moves them to a savings account for you.
Get rewarded for the things you do every day
Now earn RBC Rewards points with your account.legal bug 3
RBC Rewards gives you the opportunity to earn RBC Rewards 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 account that is enrolled in the Value Program or when you make purchases with an RBC Rewards credit card.
RBC 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.
Explore RBC Rewards
Get rewarded for the things you do every day
You can now earn RBC Rewards 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 3
Combine points with those earned with your RBC 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 15
Save on monthly fees—no minimum balance needed
Save on your account’s monthly fee when you enrol in the Value Program, have other RBC products—like a mortgage and an investment—and do simple activities such as direct deposit.legal bug 15
The best part? You can enrol in the Value Program at no additional cost.
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 28 and earn 20% more Petro-Pointslegal bug 29 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 30 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 2 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 31
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 32
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 33 learn your spending patterns to find your extra dollars and moves them to a savings account for you.
Support & Resources
How can we help you today?
Your Top Questions Answered
Your Top Questions Answered
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
- Earn RBC Rewards points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account.legal bug 3
- Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each month.legal bug 15
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC card.legal bug 28
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands.legal bug 32
The following RBC bank accounts are eligible to be enrolled in the Value Program:
- RBC Day to Day Banking
- RBC Advantage Banking (includes RBC Advantage Banking for students)
- RBC Signature No Limit Banking
- RBC VIP Banking
- RBC No Limit Banking (discontinued)
- RBC Student Banking (discontinued)
- RBC No Limit Banking for Students (discontinued)
- RBC Day to Day Savings
- RBC Enhanced Savings
- RBC High Interest eSavings
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal bug 15 and the Seniors Rebatelegal bug 16 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.
RBC Rewards gives you the opportunity to earn RBC Rewards 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 3 that is enrolled in the Value Program or when you make purchases with an RBC Rewards credit card.
RBC 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 RBC Rewards.
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, every year, you must:
- i) complete the Student Information section of the credit card application form in full,
- ii) remain a student, and
- iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies.
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| Signature® RBC Rewards® Visalegal bug ‡ | $39 |
| WestJet RBC® Mastercardlegal bug ‡ | $39 |
If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.
Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.
- 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 RBC 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 RBC Offer for more details.
Choose Accounts to Compare
$4
monthly feelegal bug 1
$11.95
monthly feelegal bug 1
$15.95
monthly feelegal bug 1
$30
monthly feelegal bug 1