Key Features

  • Use Your Account as Often as You Need
    Unlimited debits
  • Pay Your Friend Back with Interac e-Transfers
    Unlimited
  • No Need to Wait. Use Other Bank’s ATMs
    Unlimited
  • Instant Fuel Savings at Petro-Canada
    Link your card and instantly save 3¢/L on fuel14 and always earn 20% more Petro-Points15 at Petro-Canada locations
    Learn More
  • Get Credit Where Credit is Due
    Up to $120 rebate on the annual fee of an eligible credit card2
  • Multiple Accounts Without Borders
    Up to 2 additional Canadian dollar and 1 additional U.S. dollar accounts4

More Great Features

Details Fees
Monthly Fee after Multi Product Rebate5 $19.95/month
Monthly Fee after Seniors Rebate6 $22.50/month
Overdraft Protection Monthly Fee4 Included
Bank Drafts7 12 Free/year, $7.50 each thereafter
Assisted and Self-Serve Transactions Included
Cross-Border Debit7, 8, 9 Free
Personalized Cheques8 Free, with RBC VIP Style
Safe Deposit Box10 Maximum annual discount $45.00/year
PLUS System Access Fee at a Non-RBC Royal Bank ATM Within Canada and U.S.11 Free
PLUS System Access Fee at a Non-RBC Royal Bank ATM Outside Canada and U.S.12 Free
Access to cash savings with RBC Offers Included

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

I'm Already a Customer

To order new cheques:

  1. Sign in to Online Banking and click Account Services from the My Services box on the right side of the page.
  2. Click Order New Cheques from the navigation menu on the left.
  3. Follow the on-screen instructions.

The price of cheques depends on the quantity and style you order.

There are a couple of options for transferring money internationally. Our online RBC International Money Transfer service is a convenient way to send up to $10,000 CAD per day to over 200 countries worldwide, including the U.S. For larger amounts, a wire transfer is a good option.

Learn more about RBC International Money Transfer

Currently, you can only manage your alerts in Online Banking.

Visit your Alert Centre to set up your preferences:

  • Sign in and follow the Alerts link at the top of your Accounts Summary page.
  • In the Alert Centre, look for the link to your Alert Settings in left-side navigation.

First, set up your Alert Preferences.

Tell us where you’d like to receive your e-mail and text message (SMS) alerts.

Next, choose the accounts or programs you want us to tell you about.

  • For an item without any current alerts, select “Add Alerts”.
  • For an item with alerts you’d like to change, select “Edit”.

Now, tell us when you’d like to hear from us.

  • You can set some alerts to tell you when an account has a transaction over an amount you specify.
  • For others, you can decide when to hear about specific events in your accounts or programs, like the due date for a credit card payment.
  • And for some, you can tell us when to send you regular updates.

Finally, choose how you’d like to receive your alerts:

  • by e-mail
  • in a text message on your mobile device (SMS)

We’ll always send a copy to your Alert Inbox in Online Banking. And if you’ve downloaded the RBC Mobile banking app and allowed it to send push notifications, you’ll also see your alerts on your mobile device.

Go to our Exchange Currency Converter to get the latest foreign exchange rates.

With Interac e-Transfers you can send funds to clients of other financial institutions as well as RBC, and you don't need to know the account number of the person you're sending money to. All you need is their email address or mobile phone number.

You can send an Interac e-Transfer from Online Banking, or  Mobile Banking. Here's how:

To send an Interac e-Transfer from Online Banking:

  • From the Accounts Summary page, select "More Payment Options" on the right side of the page.
  • Enter the payment amount of the transfer.
  • Select the account you want the funds to be debited from.
  • Open the “To” drop down list, select the Interac e-Transfer payee and Submit.

To send an Interac e-Transfer from Mobile Banking:

Select the Interac e-Transfers icon from the main page.

  • Choose the account you would like to pay from.
  • Select the recipient you wish to send funds to. If sending to a new recipient, select the + sign in the bottom left hand corner of the page.
  • Follow the steps

Better Banking Gives You More

RBC High Interest eSavings

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

RBC Visa Infinite Avion

Includes our ultimate travel rewards credit card, and we’ll waive the annual fee.

ATM - RBC ATM Access fees waived
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.

ATM use outside Canada
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.

ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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.

ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Visa Infinite Avion, RBC Visa Platinum Avion, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and WestJet RBC World Elite Mastercard.
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Monthly Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
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.
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
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.
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.
Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year.
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.
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.

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