RBC Chequing Account Offer
Open an Eligible RBC
Open an Eligible RBC
Chequing Account
and Get the New iPadlegal bug 1
Offer Ends November 3, 2025. Conditions apply.
Find out how you can upgrade to an iPad Pro or MacBook Air.
Two Great Chequing Accounts to Choose from
Enjoy a range of features and benefits, plus take advantage of our new bank account offer.
Most Popular
RBC Signature
No Limit Banking account
+ GET THE NEW IPAD
Monthly Fee4
$16.95
Includes:
Unlimited tap, swipe and debit transactions in Canada
Save up to $48 on eligible credit card annual fee3
3 non-RBC ATM fees waived/month
$2 each thereafter2
Most Exclusive
RBC VIP Banking account
+ GET THE NEW IPAD
Monthly Fee4
$30.00
Includes:
Unlimited tap, swipe and debit transactions worldwide
Save up to $120 on eligible credit card annual fee8
Everyday Benefits Included with RBC Canadian Chequing Accounts
No minimum balance
There’s no balance requirement to enjoy account benefits
Earn Avion points12 on everyday purchases
Get rewarded for purchases you would make anyway
Save 3¢/L on gas at Petro-Canada13
Simply link your debit card to your Petro-Points card
RBC Right Account Guarantee
We will refund up to 3 months of account fees if you are not satisfied with your new account.14
How to get your new iPad
Open an eligible RBC bank account1 by November 3, 2025
Set up and complete two of the following qualifying criteria within 90 days of opening the Eligible Personal Banking Account:
Your payroll or pension as a direct deposit
Two pre-authorized monthly payments (PAPs)
Two bill payments to a service provider
Other terms and conditions apply.
LOOKING FOR MORE?
Get iPad Pro or MacBook Air
Contribute $50,000 in new funds across eligible RBC investment accounts to upgrade to an iPad Pro M4 or MacBook Air M4.
Conditions apply.
How to upgrade to an iPad Pro or MacBook Airlegal bug 1
You have an exciting opportunity to upgrade your new eligible bank account offer. Here’s how:
Complete all the requirements to get the new iPad, outlined above
Make qualifying contributions of at least C$50,000 into any Eligible Investments Account (shown below) within 90 days of opening the Eligible Personal Banking Account
Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after opening the Eligible Personal Banking Account.
Other terms and conditions apply.
Eligible Investment Accounts* include:
- Tax-Free Savings Accounts (TFSAs)
- Registered Retirement Savings Accounts (RRSPs)
- Registered Education Savings Plans (RESPs)
- First Home Savings Accounts (FHSAs)
- Non-Registered Investment Accounts
- And more. See terms and conditions for full listing of eligible accounts
* All contributions into qualifying accounts are eligible except Redeemable GICs and Non-Redeemable GICs with a term of less than 1 year.
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.
legal disclaimer 15
Only at RBC.
Avion Rewards
Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000 brands.
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 16 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 17
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.
legal disclaimer 15
Only at RBC.
Avion
Rewards
Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000
brands.
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 16 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 17
Top Questions About Bank Account Offers
Please go to rbc.com/ipadoffer
Yes, this offer is available to individuals who:
- Do not have an existing Personal Banking Account with RBC
- Never had a Personal Banking Account with RBC, nor qualified for any of our offers related to opening an account in the last five years
Here’s how to get the iPad offer:
1) Open an eligible RBC bank account by November 3, 2025
2) Set up and complete two of the following within 90 days of opening your account:
- Your payroll or pension as a direct deposit
- Two pre-authorized monthly payments (PAPs)
- Two bill payments to a service provider
To upgrade your offer to an iPad Pro or MacBook Air:
- Complete all the requirements to get the iPad offer, outlined above
- Contribute $50,000 net new funds across eligible RBC investment accounts
-
Eligible accounts include:
- Tax-Free Savings Accounts (TFSAs)
- Registered Retirement Savings Accounts (RRSPs)
- Registered Education Savings Plans (RESPs)
- First Home Savings Accounts (FHSAs)
- Non-Registered Investment Accounts
- And more. See terms and conditions for full listing of eligible accounts
* All contributions to the qualifying accounts are eligible except Redeemable GICs and Non-Redeemable GICs with a term of less than 1 year.
Other terms and conditions apply.
Shortly following the 90th day after opening the Eligible Personal Banking account, or after you complete the Personal Banking and Investments Qualifying Criteria (whichever is earlier), you will receive an email from RBC to the email address you have provided to us on account opening with a link to a secure website where you can select your device and confirm your shipment details. When selecting your device, the website will provide you with an estimated delivery time which will vary based on your selection.
Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the Apple iPad Reward (such as payroll/pension deposit, bill payment or pre-authorized payment) must remain in effect until at least November 3, 2026.
If you qualified for the upgrade to the iPad Pro or MacBook Air, you must also maintain the minimum $50,000 net contribution until 365 days after opening the Eligible Personal Banking Account.
Need More Help?
Book a virtual appointment with an advisor: 1-800-769-2561
(Open 24/7)
(Open 24/7)
Legal Disclaimer1)
To take advantage of this offer, you must be a resident of Canada and age of majority by November 3, 2025 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on July 3, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple iPad (Apple 11-inch iPad Wi-Fi 128GB, Model # MD3Y4CL/A (Silver); MD4A4CL/A (Blue); MD4D4CL/A (Yellow); MD4E4CL/A (Pink) Terms and Conditions, when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST November 3, 2025 and complete two of the following ”Personal Banking Qualifying Criteria” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account:
Set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll.
Provided you fulfill the “Personal Banking Qualifying Criteria” and the “Investments Qualifying Criteria” below ” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account, you may elect to receive one of the following (Apple 13-inch MacBook Air: M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD, Model # MC6T4C/A (Bleu ciel, Français); MC6T4LL/A (Sky Blue); MW0W3C/A (Argent, Français); MW0W3LL/A (Silver); MW0Y3C/A (Comète, Français); MW0Y3LL/A (Starlight); MW123C/A (Minuit, Français); MW123LL/A (Midnight) Or; (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass, Model # MVV83CL/A (Space Black); MVV93CL/A (Silver):
This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer
Set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll.
Provided you fulfill the “Personal Banking Qualifying Criteria” and the “Investments Qualifying Criteria” below ” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account, you may elect to receive one of the following (Apple 13-inch MacBook Air: M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD, Model # MC6T4C/A (Bleu ciel, Français); MC6T4LL/A (Sky Blue); MW0W3C/A (Argent, Français); MW0W3LL/A (Silver); MW0Y3C/A (Comète, Français); MW0Y3LL/A (Starlight); MW123C/A (Minuit, Français); MW123LL/A (Midnight) Or; (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass, Model # MVV83CL/A (Space Black); MVV93CL/A (Silver):
a. Be the primary account holder of an Eligible Investments Account after opening the Eligible Personal Banking Account;
b. Transfer-in or deposit Qualifying Net Contributions of at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts
c. Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria
b. Transfer-in or deposit Qualifying Net Contributions of at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts
c. Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria
This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer
Legal Disclaimer2)
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. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
Legal Disclaimer3)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) 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 (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate ($4 applied monthly) (annual fee fully rebated) for: RBC ION+ Visa card, 2) $39 rebate (annual fee fully rebated) for: Signature® RBC Rewards Visa and WestJet RBC Mastercard cards, or 3) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite, RBC Avion Visa Infinite Privilege, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC US Dollar Visa Gold, RBC British Airways Visa Infinite and WestJet RBC World Elite Mastercard cards. If you already have an SNL account, the rebate will be applied at the time you open your eligible credit card account. If you open your SNL account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Disclaimer4)
The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
Legal Disclaimer5)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled Personal Deposit Accounts Disclosures and Agreements.
Legal Disclaimer6)
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. 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 Interac 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.
Legal Disclaimer7)
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.
Legal Disclaimer8)
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 Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC ION+TM Visa ($4 applied monthly), RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. If you already have a VIP account, the rebate will be applied at the time you open your eligible credit card account. If you open your VIP account after you have opened your eligible credit card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
Legal Bug 9)
The standard Monthly Fee for the RBC VIP Banking account is $30; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreements”
Legal Disclaimer10)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer11)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer12)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
Legal Disclaimer13)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Legal Disclaimer14)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Legal Disclaimer15)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
Legal Disclaimer16)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Legal Disclaimer17)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡
All other trademarks are the property of their respective owner(s).
Other Features Included in this Account
| Avion Pointslegal bug 1 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| Cross Border Debits | 5 cross-border debits per month, $1 each thereafterlegal bug 5 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements | FREE |
| Monthly Paper Statements | $2.25 without cheque image, $2.50 with cheque image |
| Safe Deposit Boxlegal bug 6 | Up to $12/year discount on regular fees |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar yearlegal bug 7 |
| Personalized Chequeslegal bug 8 | 1 book of cheques FREE, afterwards Fees Apply |
| Bank Draftslegal bug 9 | 6 FREE/year, $9.95 each thereafter |
| Right Account Guarantee® | If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 monthslegal bug 10. |
Optional Services
| Using a PLUS System ATM in Canada or the U.S.legal bug 11,legal bug 12 | $3 each |
| Using a PLUS System ATM Outside Canada or the U.S. | $5 each |
Legal Bug 1)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
Legal Disclaimer2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer3)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer4)
Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
Legal Disclaimer5)
In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.
Legal Disclaimer6)
Safe deposit boxes are subject to availability. Only one safe deposit box discount per eligible account is allowed. If you own more than one safe deposit box and only one eligible account, it is up to you to determine to which safe deposit box the discount will apply. Safe deposit box discounts will not be prorated for accounts or safe deposit boxes opened part way through the year. They will only be applied the following year when the safe deposit box rental fees are billed annually in January.
Legal Bug 7)
We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.
Legal Disclaimer8)
No charge for your first order of RBC style personalized cheques (100 singles or 50 duplicates). A fee applies to all cheques ordered thereafter.
Legal Disclaimer9)
We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase.
Legal Disclaimer10)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Legal Disclaimer11)
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.
Legal Disclaimer12)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Other Features Included in this Account
| Avion Pointslegal bug 1 | Enrol your account in the Value Program to get a minimum of 1 Avion point for every $10 you spend in-store and online using your enrolled account. |
| Interaclegal bug ‡ e-transferslegal bug 2,legal bug 3 | FREE |
| International Money Transfers | Pay no fee for U.S. and international money transferslegal bug 4 |
| RBC ATMs | No RBC fee to use ATMs worldwidelegal bug 5,legal bug 6,legal bug 7 |
| Online, Mobile and Telephone Banking | FREE |
| eStatements or Monthly Paper Statements | FREE |
| Cross-Border Debitslegal bug 8,legal bug 9,legal bug 10 | FREE |
| Safe Deposit Boxlegal bug 11 | Up to $60/year discount on regular fees |
| Non-Sufficient Funds (NSF) Fee | 1 NSF fee rebated every calendar yearlegal bug 12 |
| Personalized Chequeslegal bug 13 | FREE, with RBC VIP Style |
| Bank Draftslegal bug 14 | 12 FREE/year, $9.95 each thereafter |
| Right Account Guarantee® | If you’re not completely satisfied within the first 4 months, we’ll refund your monthly fees for up to 3 months.legal bug 15 |
Legal Disclaimer1)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
Legal Disclaimer2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Legal Disclaimer3)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
Legal Disclaimer4)
Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
Legal Disclaimer5)
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.
Legal Disclaimer6)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Legal Disclaimer7)
With an RBC VIP Banking Client Card.
Legal Disclaimer8)
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
Legal Disclaimer9)
On operating account only.
Legal Disclaimer10)
In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.
Legal Disclaimer11)
Safe deposit boxes are subject to availability. Only one safe deposit box discount per eligible account is allowed. If you own more than one safe deposit box and only one eligible account, it is up to you to determine to which safe deposit box the discount will apply. Safe deposit box discounts will not be prorated for Accounts or safe deposit boxes opened part way through the year. They will only be applied the following year when the safe deposit box rental fees are billed annually in January.
Legal Disclaimer12)
We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.
Legal Disclaimer13)
RBC Royal Bank style cheques can be ordered only through RBC’s third-party authorized cheque-printing service provider. The first order is for 50 personalized cheques with no special add-on cheque features and includes shipping and handling.
Legal Disclaimer14)
We will only apply the allowed number of free drafts against the Account where the draft purchase is made. They are not transferable. If you own more than one Account that offers free drafts, it is your responsibility to advise us at the time of purchase.
Legal Disclaimer15)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
