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Get the new Apple
Watch Series 9 when you
switch to RBClegal disclaimer 1
Open an eligible RBC bank accountlegal disclaimer 1 by June 3, 2024.
Configure your watch your way – choose your case size, colour and band.legal disclaimer *
Carbon-neutral case and band combinations available!
Conditions apply.
Get the new Apple Watch Series 9 when you switch to RBClegal disclaimer 1
Open an eligible RBC bank accountlegal disclaimer 1 by June 3, 2024.
Configure your watch your way – choose your case size, colour and band.legal disclaimer *
Carbon-neutral case and band combinations available!
Conditions apply.
SPECIAL OFFER FOR FULL TIME STUDENTS
Get $100 when you open a no monthly fee RBC Advantage Banking account for studentslegal disclaimer 1
Conditions apply. Offer ends June 30, 2024.
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View All Chequing Accounts
View All Savings AccountsRight 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
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
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.
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
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 Interaclegal disclaimer ‡
e-Transfer transactionslegal 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 Canadalegal 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 Editionlegal 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 Canadalegal 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 Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 2, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other
banks’ ATMs in Canadalegal 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
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
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
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 Interaclegal disclaimer ‡
e-Transfer transactionslegal 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 Canadalegal 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 Editionlegal disclaimer 12 gives you access to the features that students use the most.
RBC Offers
Offerslegal 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 Canadalegal 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 Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 2, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other banks’ ATMs in Canadalegal 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
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
Get more from your everyday banking
Get more from your everyday banking
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Top Bank Account Questions
Top Bank Account Questions
There are three ways you can open a personal bank account at RBC:
- Choose your account and then apply online or in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app
- visit a branchOpens in new window
- Call 1 800 769-25611 800 769-2561 (lines are open 24/7)
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.
Yes, you can have more than one bank account at RBC—and you can also open an RBC bank account if you have an account at another financial institution. For example, many people complement the chequing account they use for their everyday banking needs with a savings account. Explore all bank accounts to see what’s right for you.
Yes, new and existing RBC clients can open bank accounts in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app within 5-10 minutes. If you are new to RBC, you’ll need:
- To be at least 13 years of age (14 in Quebec)
- A valid Canadian driver’s licence or passport (Canadian or foreign)
- To be living in Canada
If you would like to switch from one RBC bank account to a different RBC bank account that better fits your needs, visit a branchOpens in new window to talk to an advisor or call us at 1 800 769-25611 800 769-2561 (lines are open 24/7). Explore chequing accounts or savings accounts now.
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 Avion 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 disclaimer 13 legal disclaimer 15 legal disclaimer 12 legal disclaimer 14
- 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 disclaimer 9 legal disclaimer 16 legal disclaimer 15 legal disclaimer 7 legal disclaimer 10
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC card. legal disclaimer 14 legal disclaimer 17 legal disclaimer 16 legal disclaimer 15
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands. legal disclaimer 16 legal disclaimer 13 legal disclaimer 17
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 points legal disclaimer 13 legal disclaimer 15 legal disclaimer 11 legal disclaimer 14 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 disclaimer 9 legal disclaimer 16 legal disclaimer 15 legal disclaimer 6 legal disclaimer 10
If you currently have the MultiProduct Rebate legal disclaimer 19 legal disclaimer 18 legal disclaimer 17 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 with an RBC advisor. You can also call us at 1 800 769-25111 800 769-2511 or visit a branchOpens 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.
To open an RBC bank account, you’ll need:
-
Proof of ID—for example, a driver’s licence or passport
Note: If you apply to open an account online, you may need to visit a branchOpens in new window to verify your identity. You may be able to open select accounts using your passport or driver’s licence in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. - To provide details including your name, address, email, date of birth, employment (or student status) and residency for tax purposes
There is no minimum balance required to open an RBC bank account.
In most cases, you can open an RBC bank account online or in RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app in approximately 10 minutes. You can also visit a branchOpens in new window to open your account.
Yes, you can apply to open most RBC bank accounts online or in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app if you meet these requirements:
- You are 18 years of age or the age of majority in your province. (Full-time students age 13+ (or 14+ in Quebec) with a valid passport can also apply to open an RBC Advantage Banking for students account through the RBC Mobile app.)
- You are opening a sole account in your own name. If you’re opening an account for someone else, you’ll need to visit a branchOpens in new window.
- You are living in Canada.
If you do not meet these requirements, please call 1 800 769-25611 800 769-2561 to book an appointment or visit a branchOpens in new window near you.
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.
Yes, non-residents living in Canada or planning to move to Canada can apply to open a Canadian bank account. Learn more about personal bank accounts for newcomers.
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 account legal disclaimer 13 legal disclaimer 15 legal disclaimer 12 legal disclaimer 11 legal disclaimer 14 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.
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
8)
The 5.5% interest is the total of our Regular Interest Rate and Bonus Interest Rate. The Bonus Interest Rate of 3.80% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available for 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 opens a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between April 11, 2024 and 3:00 PM EST on July 23, 2024 (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 April 11, 2024 was 3.80% 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 April 11, 2024, the Regular Interest Rate were 1.70% per annum and the Bonus Interest Rate were 3.80% per annum, the Promotional Interest Rate would be 5.50% 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. 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 https://www.rbcroyalbank.com/investments/psi/april2024-hisa/terms.html.
- 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 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.
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.
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 Bonus Offer is $100 with an Eligible Personal Banking Account.
To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on June 30, 2024 and complete one of the following Qualifying Criteria by 9:00 PM EST on August 30, 2024 using your Eligible Personal Banking Account:
i. a minimum of three (3) debit transactions; or
ii. register your Eligible Personal Banking Account for Interac Autodeposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. enroll for a Virtual Visa Debit Card and make one (1) transaction
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
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (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.
The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 4 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/student100terms.
| 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 |
8)
The 5.5% interest is the total of our Regular Interest Rate and Bonus Interest Rate. The Bonus Interest Rate of 3.80% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available for 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 opens a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between April 11, 2024 and 3:00 PM EST on July 23, 2024 (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 April 11, 2024 was 3.80% 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 April 11, 2024, the Regular Interest Rate were 1.70% per annum and the Bonus Interest Rate were 3.80% per annum, the Promotional Interest Rate would be 5.50% 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. 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 https://www.rbcroyalbank.com/investments/psi/april2024-hisa/terms.html.
- 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 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.
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.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
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.
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.
You must apply for the RBC Cash Back Mastercard by March 31, 2024, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on 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 or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 26 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.
One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
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. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.
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.
8)
The 5.5% interest is the total of our Regular Interest Rate and Bonus Interest Rate. The Bonus Interest Rate of 3.80% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available for 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 opens a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between April 11, 2024 and 3:00 PM EST on July 23, 2024 (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 April 11, 2024 was 3.80% 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 April 11, 2024, the Regular Interest Rate were 1.70% per annum and the Bonus Interest Rate were 3.80% per annum, the Promotional Interest Rate would be 5.50% 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. 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 https://www.rbcroyalbank.com/investments/psi/april2024-hisa/terms.html.
- 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 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.
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.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
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.
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.
- 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 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.
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.
9)
The 5.5% interest is the total of our Regular Interest Rate and Bonus Interest Rate. The Bonus Interest Rate of 3.80% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available for 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 opens a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between April 11, 2024 and 3:00 PM EST on July 23, 2024 (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 April 11, 2024 was 3.80% 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 April 11, 2024, the Regular Interest Rate were 1.70% per annum and the Bonus Interest Rate were 3.80% per annum, the Promotional Interest Rate would be 5.50% 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. 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 https://www.rbcroyalbank.com/investments/psi/april2024-hisa/terms.html.
- 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 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.
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.
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.