Key Features

  • Use Your Account as Often as You Need
    25 free debits each month2, $1.00 thereafter
  • Pay Your Friend Back with Interac e-Transfers
    Unlimited
  • Get credit where credit is due
    Up to $39 rebate on the annual fee of an eligible credit card3
  • No minimum balance
  • Buy things online with Virtual Visa Debit4
    Unlimited
  • Instant Fuel Savings at Petro-Canada
    Link your card and instantly save 3¢/L on fuel9 and always earn 20% more Petro-Points10 at Petro-Canada locations
    Learn More

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.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 Debit2, 7, 8 $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

Students can 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.
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.
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.
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.
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.

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