Open a Bank Account Online | Chequing & Savings Accounts

Q: What type of bank accounts are there?

At RBC, we offer two types of personal bank accounts . Our chequing accounts are useful for your everyday banking—like paying bills and making purchases. Our savings accounts are ideal for money you don’t need to access every day. We also offer a range of business accounts .

Apply for a Personal Bank Account Online in Minutes

Knowing more about you can help us offer you the right bank account. Choose the option that describes you best.

I'm New to RBC

I'm a Student

I'm New to Canada

Help Me Choose

View All Chequing Accounts

RBC Bank Accounts Come with These Extra Benefits

Right Account Guarantee

If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.^{legal disclaimer 10} That's our Right Account Guarantee.

No Minimum Balance Needed

Pay as low as $0/month when you use your account and have other RBC products.^{legal disclaimer 9}

Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.^{legal disclaimer 11}

Right Account Guarantee

If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.^{legal disclaimer 9} That's our Right Account Guarantee.

No Minimum Balance Needed

You don't need to carry a balance to enjoy the benefits that come with your RBC bank account.

Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.^{legal disclaimer 10}

Right Account Guarantee

If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.^{legal disclaimer 8} That's our Right Account Guarantee.

No Minimum Balance Needed

Pay as low as $0/month when you use your account and have other RBC products.^{legal disclaimer 6}

Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.^{legal disclaimer 9}

Right Account Guarantee

If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.^{legal disclaimer 11} That's our Right Account Guarantee.

No Minimum Balance Needed

Pay as low as $0/month when you use your account and have other RBC products.^{legal disclaimer 10}

Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.^{legal disclaimer 12}

Online and Mobile Banking

Spend less time on your banking and always know where you stand, with online tools and services that give you quick and easy control over your money.

Go Paperless

Save paper and time by switching to eStatements in the RBC Mobile app. Easily review and save your online statements directly from your device.

How to Open a Bank Account

Opening a new bank account with RBC is simple. Here’s what you need to do:

Meet the eligibility requirements:

Be the sole applicant opening the account for yourself.
Be at least 13 years old, or 14 if you live in Quebec.
Reside in Canada and have a Canadian address.
Prepare for 1 piece of government issued photo ID (Driver’s license or passport)

Select the type of account you’d like to open

Consider a chequing account or a savings account
You can also research different types of accounts to learn more about fees or special offers

Choose how to apply

Open a bank account online or in the RBC Mobile¹ app
Call us at 1 800 769-2561
Already an RBC client - book an appointment

Sign all account open documents

Set up your Client Card PIN and Online/Mobile Banking password

Receive an email confirmation of the application result

If your account is opened successfully, you will get the confirmation and you can start using it right away
Your physical card should arrive in 7-10 business days

Unlock More From Your Everyday Banking

With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account^{legal disclaimer 12
legal disclaimer 20
legal disclaimer 20
legal disclaimer 11
legal disclaimer 13}.
Only at RBC.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 13}

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 14}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 17
legal disclaimer 12
legal disclaimer 14} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 15}

Screenshot of Switch With Friends screen on RBC Mobile app

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3,}^{legal disclaimer 7}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 11}

Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.

Image of mobile device with RBC Mobile app for students on screen

Get the app
that gets you

RBC Mobile Student Edition^{legal disclaimer 12} gives you access to the features that students use the most.

RBC Offers

Offers from the brands you love

Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.^{legal disclaimer 13}

Vantage Snapshot

Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.^{legal disclaimer 12}

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 12}

Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 13}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 2}

Need some cash quick and you're not near an RBC ATM? Newcomers pay no RBC fee to use another bank’s ATM in Canada.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 11}

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 14}

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 15}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 17
legal disclaimer 12
legal disclaimer 14} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 8}

Unlock More From Your Everyday Banking

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 13}

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 14}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 17
legal disclaimer 12
legal disclaimer 14} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 15}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3,}^{legal disclaimer 7}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 11}

Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.

Get the app that gets you

RBC Mobile Student Edition^{legal disclaimer 12} gives you access to the features that students use the most.

RBC Offers

Offers^{legal disclaimer 13} from the brands you love

Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.

Vantage Snapshot

Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.^{legal disclaimer 12}

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 12}

Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 13}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3}

Send money through Online Banking or the RBC Mobile app, quickly and securely.

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 2}

Need some cash quick and you're not near an RBC ATM? Newcomers pay no RBC fee to use another bank’s ATM in Canada.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 11}

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.^{legal disclaimer 14}

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 15}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 17
legal disclaimer 12
legal disclaimer 14} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 8}

Save on monthly fees

—no minimum balance needed

Pay as low as $0/month when you use your account and have other products.^{legal disclaimer 9
legal disclaimer 6
legal disclaimer 10}

Personal
Credit Card

Personal Investment

Residential Mortgage

Small Business Account

Personal Credit Card

Personal Investment

Residential Mortgage

Small Business Account

Save on monthly fees

—no minimum balance needed

Pay as low as $0/month when you use your account and have other products.^{legal disclaimer 9
legal disclaimer 6
legal disclaimer 10}

Get more from your everyday banking

Compare Chequing Account Features

Explore the features and benefits of
each account and easily apply for it online or in the RBC Mobile app.

Compare Chequing Accounts

New to Canada? We Have Offers for Newcomers

As a newcomer to Canada, you can enjoy a range of benefits when you open an account.

Explore the RBC Newcomer Advantage chevron

Have more bank account questions? Search for an answer below.

legal disclaimer 1)

To take advantage of this offer, you must be a resident of Canada and age of majority by November 3, 2025 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on July 3, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB, Model # MD3Y4CL/A (Silver); MD4A4CL/A (Blue); MD4D4CL/A (Yellow); MD4E4CL/A (Pink) Terms and Conditions, when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking^® account (monthly fee of $16.95) or RBC VIP Banking^® account (monthly fee of $30) by 9PM EST November 3, 2025 and complete two of the following ”Personal Banking Qualifying Criteria” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account:

Set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll.

Provided you fulfill the “Personal Banking Qualifying Criteria” and the “Investments Qualifying Criteria” below ” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account, you may elect to receive one of the following (Apple 13-inch MacBook Air: M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD, Model # MC6T4C/A (Bleu ciel, Français); MC6T4LL/A (Sky Blue); MW0W3C/A (Argent, Français); MW0W3LL/A (Silver); MW0Y3C/A (Comète, Français); MW0Y3LL/A (Starlight); MW123C/A (Minuit, Français); MW123LL/A (Midnight) Or; (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass, Model # MVV83CL/A (Space Black); MVV93CL/A (Silver):

a. Be the primary account holder of an Eligible Investments Account after opening the Eligible Personal Banking Account;
b. Transfer-in or deposit Qualifying Net Contributions of at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts
c. Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria

This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer

legal disclaimer 2)

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

legal disclaimer 3)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

legal disclaimer 4)

The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.

legal disclaimer 5)

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.

legal disclaimer 6)

Fees may apply on the account from which the money has been transferred.

legal disclaimer 7)

Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.

legal disclaimer 8)

The Bonus Interest Rate on June 6, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between June 6, 2025 and 3:00 PM EST on July 30, 2025 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on June 6, 2025 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on June 6, 2025, the Regular Interest Rate was 0.75% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 4.70% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit www.rbc.com/june/hisa25

legal disclaimer 9)

By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit^® associated with your Enrolled Account. Conditions apply. For complete details, please see the Opens PDF in new window Value Program Terms & Conditions.

legal disclaimer 10)

Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.

legal disclaimer 11)

Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):

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.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

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.

Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.

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 Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster 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.

legal disclaimer 12)

The following RBC bank accounts are eligible for 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 and RBC High Interest eSavings.

legal disclaimer 13)

When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.

legal disclaimer 14)

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

legal disclaimer 15)

You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.

legal disclaimer 16)

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.

legal disclaimer 17)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

legal disclaimer 18)

The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.

legal disclaimer 19)

If you have an eligible banking account and two or more qualifying, eligible RBC^® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate^® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.

legal disclaimer 20)

Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.

legal disclaimer 21)

For clients age 65 or older. Only one Monthly Fee rebate per Account Owner will apply. Other conditions and exceptions may apply, please refer to the Personal Deposit Accounts Disclosures and Agreements for full details.

legal disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

legal disclaimer‡

All other trademarks are the property of their respective owner(s).

Legal Disclaimer1)

Offer available July 3, 2025 - November 3, 2025 (“Promotional Period”)

This Promotional Offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Promotional Offer is AirPods 4 Reward with an Eligible Personal Banking Account.

To qualify for the AirPods 4 Reward you must open your first new Eligible Personal Banking Account by 9:00 PM EST on November 3, 2025 and complete two (2) of the following Qualifying Criteria by 9:00 PM EST on January 30, 2026 using your Eligible Personal Banking Account:

Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.

ii.

Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.

iii.

Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.

iv.

Set up one (1) pre-authorized monthly payment (“PAP”) – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa‡ Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.

Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa‡ Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.

NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions for the purpose of option ii (above)

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.

Starting August 11, 2025, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Qualifying Criteria and qualified for the Promotional Offer. This message will be sent at any time up to ten business days after we have determined that all Qualifying Criteria have been completed by you. The email message will contain a secure link that will permit you to visit a secure online store where you can order your Reward and confirm an address for delivery, as well as any other shipping details.

Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/airpodsterms.

legal disclaimer 2)

Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (“Eligible Student Bank Account”) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an “Eligible Credit Card”), the annual fee of your Eligible Credit Card may be fully rebated, every year:

Eligible Credit Cards	Annual Fee Rebate
RBC ION+ Visa	$4 a month ($48 annually)
WestJet RBC MasterCard	$39
Signature RBC Rewards Visa	$39
Visa Cash Back Card	$19

For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. 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, 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-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

legal disclaimer 3)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

legal disclaimer 4)

To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion.

legal disclaimer 5)

legal disclaimer 6)

Fees may apply on the account from which the money has been transferred.

legal disclaimer 7)

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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.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

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.

legal disclaimer 11)

When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.

legal disclaimer 12)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

legal disclaimer 13)

legal disclaimer 14)

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. You must request a Virtual Visa Debit card.

legal disclaimer 15)

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legal disclaimer 17)

Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.

legal disclaimer 18)

legal disclaimer 19)

To be eligible for this offer your application for the RBC ION+ Visa credit card must be approved by us. The 3,500 Avion points (“Welcome Points”) will appear within the first two monthly statements. 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account is open and in good standing at the time you reach $500 in Qualifying Transactions. Please allow 60 days after this requirement is fulfilled for the additional Avion points to be awarded to your account. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges, and fees. Any credits for returns and adjustments that reduce the amount of Qualifying Transactions below $500 will cancel your additional Avion points. Additional cardholder(s), as well as existing cardholders of any RBC Royal Bank personal credit cards, applying for or transferring to an RBC ION+ Visa card are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

To get $50 worth of gift cards/certificates, you will need a total of 7,000 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.

legal disclaimer 20)

legal disclaimer 21)

legal disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

legal disclaimer‡

All other trademarks are the property of their respective owner(s).

Legal Disclaimer1)

Offer available July 3, 2025 - November 3, 2025 (“Promotional Period”)

Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.

ii.

Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.

iii.

iv.

Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/airpodsterms.

legal disclaimer 2)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

legal disclaimer 3)

Clients must be 14 years of age or older and have an active personal, Canadian dollar deposit account and an active RBC Royal Bank Client Card in order to receive a Virtual Visa Debit Number. RBC Virtual Visa Debit is not available to business clients.

legal disclaimer 4)

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Fees may apply on the account from which the money has been transferred.

legal disclaimer 7)

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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.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

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.

legal disclaimer 11)

legal disclaimer 12)

legal disclaimer 13)

legal disclaimer 14)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

legal disclaimer 15)

legal disclaimer 16)

legal disclaimer 17)

The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. 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.

legal disclaimer 18)

legal disclaimer 19)

legal disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

legal disclaimer‡

All other trademarks are the property of their respective owner(s).

Legal Disclaimer*

Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.

Legal Disclaimer1)

Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $11.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, and offer expires October 31, 2025. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete Opens PDF in new windowterms and conditions that apply to this promotional offer.

legal disclaimer 2)

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. When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.

legal disclaimer 3)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

legal disclaimer 4)

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legal disclaimer 7)

The standard Monthly Fee for the RBC Advantage Banking account is $11.95; however, you may be eligible to receive a full or partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the documents entitled Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.

legal disclaimer 8)

legal disclaimer 9)

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.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

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.

legal disclaimer 11)

legal disclaimer 12)

Conditions apply. Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.

legal disclaimer 13)

Available only to newcomers (please see the eligibility requirements in above note *). For RBC No Limit Banking, RBC Advantage Banking and RBC Signature No Limit Banking accounts (eligible account), up to one-year rental (offer ends June 30, 2025) of a small safe deposit box (SDB) 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. RBC VIP Banking account holders receive one small box free for every year they maintain the account in good standing as part of the ordinary product construct; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.

legal disclaimer 14)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

legal disclaimer 15)

legal disclaimer 16)

legal disclaimer 17)

legal disclaimer 18)

An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.

legal disclaimer 19)

legal disclaimer 20)

legal disclaimer 21)

legal disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

legal disclaimer‡

All other trademarks are the property of their respective owner(s).

Legal Disclaimer1)

There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.

legal disclaimer 2)

legal disclaimer 3)

RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from account, and Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge. All other Debit Transactions, including those Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC, are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.

legal disclaimer 4)

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legal disclaimer 7)

Fees may apply on the account from which the money has been transferred.

legal disclaimer 8)

legal disclaimer 9)

legal disclaimer 10)

legal disclaimer 11)

legal disclaimer 12)

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.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

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.

legal disclaimer 13)

legal disclaimer 14)

legal disclaimer 15)

legal disclaimer 16)

legal disclaimer 17)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

legal disclaimer 18)

legal disclaimer 19)

legal disclaimer 20)

legal disclaimer 21)

legal disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

legal disclaimer‡

All other trademarks are the property of their respective owner(s).

Bank Accounts

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FREE Interaclegal disclaimer ‡ e-Transfer transactionslegal disclaimer 3, legal disclaimer 7

No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 11

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RBC Offers

Offerslegal disclaimer 13 from the brands you love

Vantage Snapshot

No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 12

Avion Points

FREE Interaclegal disclaimer ‡ e-Transfer transactionslegal disclaimer 2, legal disclaimer 7

FREE Interaclegal disclaimer ‡ e-Transfer transactionslegal disclaimer 3

No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 2

Avion Points

Avion Points

RBC x Petro-Canada

Card Lock

RBC Signature
No Limit Banking account

RBC High Interest
eSavings account

RBC Advantage Banking
account for students

RBC Advantage
Banking account for students

RBC High Interest
eSavings account

RBC Advantage Banking
account for students

RBC Advantage
Banking account for students

RBC High Interest
eSavings account

RBC Signature
No Limit Banking account

RBC Signature
No Limit Banking account

RBC High Interest
eSavings account

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3,}^{legal disclaimer 7}

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 11}

Get the app
that gets you

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 12}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3}

No RBC Fee to use other
banks’ ATMs in Canada^{legal disclaimer 2}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3,}^{legal disclaimer 7}

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 11}

Offers^{legal disclaimer 13} from the brands you love

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 12}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions^{legal disclaimer 3}

No RBC Fee to use other banks’ ATMs in Canada^{legal disclaimer 2}

Unlimited debits^{legal disclaimer 14} in Canada

Unlimited debits^{legal disclaimer 3} in Canada

FREE Interac^{legal disclaimer ‡} e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

FREE Interac^{legal disclaimer ‡} e-Transfer transactions^{legal disclaimer 2,}^{legal disclaimer 7}

Get a credit limit of up to $15,000^{legal disclaimer *}

Get a credit limit of up to $15,000^{legal disclaimer *}