Key Features

  • Use Your Account as Often as You Need
    Unlimited debits
  • Pay Your Friend Back with Interac e-Transfer
  • Get Credit Where Credit is Due
    Up to $39 rebate on the annual fee of an eligible credit card2
  • No Minimum Balance
  • Buy Things Online With Virtual Visa Debit3
  • Get $100 When You Open an RBC No Limit Banking for Students Account13
  • Instant Fuel Savings at Petro-Canada
    Link your card and instantly save 3¢/L on fuel2 and always earn 20% more Petro-Points3 at Petro-Canada locations
    Learn More

More Great Features

Details Fees
Monthly Fee after Multi Product Rebate4 Free
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.5 $3.00 each
PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.6 $5.00 each
Cross-Border Debit7, 8, 9 $1.00 each

Ways to Bank

Manage Your Account Online, Anytime

Check your balances, pay bills, set up alerts, send money and more – whenever you need to.

Bank Anywhere

Take care of your banking from wherever you are, anytime you want.

Take It All to a New Level

Make payments with a tap of your smartphone and securely store your cards on your device.

Ways to Apply

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

Better Banking Gives You More

RBC High Interest eSavings

Grow your savings with a no monthly fee high-interest savings account.

RBC Rewards+ Visa

The card that gives you a choice of rewards with no annual fee.

RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student upon presentation of student identification. Must be 13 years of age or above.
If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you:
  • i) complete the Student Information section of the credit card application form in full;
  • ii) remain a student; and
  • iii) are the primary or co-owner of an Eligible Bank Account throughout your studies.
Eligible Credit Cards Annual Fee Rebate
Signature RBC Rewards® Visa card $39
WestJet RBC Mastercard $39

Subject to credit approval

You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee.

If, for some reason, the Expected Graduation Year you have provided at the time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible Bank Account will be entitled to the credit card annual fee rebate.

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.
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. Some conditions apply. For more information on the MultiProduct Rebate visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Disclosures and Agreements Booklet.
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.
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.
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.
Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail 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.
This offer is available to any Eligible Student Clients without a Personal Banking Account with Royal Bank 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 offer. The Bonus Offer is $100 with an RBC No Limit Banking for Students® account (monthly fee of $10.95) or $60 with an RBC Student Banking® account or $25 with an RBC Leo’s Young Savers Account®. You must open your first new Eligible Personal Banking Account by 9:00 PM EST on April 1, 2019 and complete two of the following Qualifying Criteria by 9:00 PM EST on June 28, 2019 using your Eligible Personal Banking Account: mobile cheque deposit, Interacǂ e-Transfer; or any purchase - including those done with RBC Virtual Visaǂ Debit, Apple Pay, Samsung Pay or with the RBC Wallet. Qualifying Criteria 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, as well as bank fee transactions, are not included as a qualifying transaction. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account.
The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank 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

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