Key Features

  • Use Your Account as Often as You Need
    15 free debits each month1
  • Pay Your Friend Back with Interac e-Transfers
    Unlimited
  • Get $25 When You Open an RBC Leo’s Young Savers Account7
  • No minimum balance

More Great Features

Details Fees
Assisted and Self-Serve Transactions N/A
Interac Access Fee at a Non-RBC Royal Bank ATM in Canada $1.50 each
PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S.2 $3.00 each
PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.3 $5.00 each
Cross-Border Debit1, 4, 5 $1.00 each

Ways to Apply

  • Apply Online
  • Call 1-800-769-2561
  • Visit Us
  • Book an Appointment

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 your RBC Day to Day Banking Account, U.S. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts 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.
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.
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
On operating account only.
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
Eligible accounts for the Right Account Guarantee are: RBC VIP Banking, RBC Signature No Limit Banking, RBC No Limit Banking, RBC No Limit Banking for Students and RBC Day to Day Banking. This offer is limited to the monthly fee that applies to the new or upgraded account for the first 3 months the account remains open. You must close the new or upgraded account or switch to another account and apply for the refund within 4 months of account opening or upgrade. If you close the account, we’ll refund the monthly fees for the time the account remained open up to a maximum of 3 months. If you downgrade to a lower fee account, we’ll refund the difference in monthly fees between the two accounts for the time the higher fee account remained open up to a maximum of 3 months. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
To qualify for the $60 you must:
1) be a new personal day-to-day banking client to Royal Bank of Canada and open between July 16 and October 31, 2018 (“Promotional Period”) an RBC Student Banking® account with no monthly fee (you can also get $60 if you open an RBC No Limit Banking for Students® account with a monthly fee of $10.95 or $25 if you open an RBC Leo’s Young Savers Account® with no monthly fee); and
2) make any two (2) of the following transactions before November 30, 2018 using your new RBC Student Banking account or RBC No Limit Banking for Students account A) mobile cheque deposit; B) bill payment; C) pre-authorized payment; D) Interac e-Transfer; or E) purchase - including those done with RBC Virtual Visa Debit, Apple Pay, Samsung Pay or with the RBC Wallet. Qualifying transactions can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network are not included as a qualifying transaction. Bank fee transactions are also excluded. No qualifying transactions or purchases are required for the $25 with the RBC Leo’s Young Savers Account
Not eligible for this offer, are clients that have opened any RBC personal deposit account within the two (2) year period before the start of the Promotional Period. The $60 cash for the RBC Student Banking and RBC No Limit Banking for Students accounts or the $25 cash for the RBC Leo’s Young Savers Account will be deposited into your new account within 6-8 weeks after account open, provided you have met the eligibility criteria as outlined above and only if your account remains in good standing.

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