Key Features

  • Use Your Account as Often as You Need
    15 free debits each month1
  • Pay Your Friend Back with Interac e-Transfers
    Unlimited
  • 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

Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
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.

Find a Branch or ATM Near You

Over 800 branches open longer, award-winning convenience

What are you looking for?
Enter Postal Code
Advanced Search Options