RBC Signature No Limit Banking

Monthly Fee: $16.95

RBC VIP Banking

Monthly Fee: $30.00

+ Get $400^{legal bug 1}

Open Now

+ Get $400^{legal bug 1}

RBC Chequing Account Offer

Open an Eligible
RBC Chequing Account
and Get $400^{legal bug 1}

Open Signature No Limit Account Online

Open VIP Banking Account Online

Offer Ends January 13, 2026. Conditions apply.

Two Great Chequing Accounts to Choose from

Enjoy a range of features and benefits, plus take advantage of our new bank account offer.

RBC Signature No Limit Banking account
RBC VIP Banking account

RBC Signature No Limit Banking account

+ GET $400

Unlimited

tap, swipe and debit
transactions in Canada

3 non-RBC ATM

fees waived/month,
$2 each thereafter.²

Save up to $48

on eligible credit card
annual fee³^,¹⁵

$16.95/mo⁴

or $4/mo⁵ with the

Open Bank Account

Most Exclusive

RBC VIP Banking account

+ GET $400

Unlimited

tap, swipe and debit
transactions Worldwide⁶

No Monthly fee

for up to two additional CAD accounts
and one USD account⁷^,¹⁵

Save up to $120

on eligible credit card
annual fee⁸^,¹⁵

$30.00/mo⁴

or $17.05/mo⁹ with the

Open Bank Account

RBC Signature
No Limit Banking account

+ GET $400

Monthly Fee

$16.95⁴

⁵

Includes:

Unlimited tap, swipe and debit transactions in Canada

Save up to $48 on eligible credit card annual fee³^,¹⁵

3 non-RBC ATM fees waived/month $2 each thereafter.²

Open Bank Account

Most Exclusive

RBC VIP Banking account

+ GET $400

Monthly Fee

$30.00⁴

⁹

Includes:

Unlimited tap, swipe and debit transactions Worldwide⁶

Save up to $120 on eligible credit card annual fee⁸^,¹⁵

No Monthly fee for up to two additional CAD accounts and one USD account⁷^,¹⁵

Open Bank Account

How to get your
$400 offer

Open an eligible RBC bank account^{legal bug 1} by January 13, 2026

Set up and complete two of the following by March 24, 2026:

Your payroll or pension as a direct deposit
Two pre-authorized monthly payments
Two bill payments to a service provider

Other terms and conditions apply.

RBC Right
Account Guarantee

We will refund up to 3 months of account fees if you are not satisfied with your new account.¹⁰

RBC Digital Banking Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.¹⁶

RBC Right Account Guarantee

We will refund up to 3 months of account fees if you are not satisfied with your new account.¹⁰

RBC Digital Banking Security Guarantee

Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.¹⁶

Your bank account unlocks more
Savings and Rewards than ever before.

Unlock More From Your Everyday Banking

With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.^{legal disclaimer 11}
Only at RBC.

Avion Rewards

Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000 brands.

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 12}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 13} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 14}

screen of the splt with friends feature in the RBC mobile app

Unlock More From Your Everyday Banking

With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account.^{legal disclaimer 11}
Only at RBC.

Avion
Rewards

Your RBC Bank Account unlocks offers for cash back, savings and Avion points from over 2000
brands.

RBC x Petro-Canada

Save 3¢/L on gas at Petro-Canada using your linked RBC card.^{legal disclaimer 12}

Card Lock

Easily lock a misplaced debit or credit card in the RBC Mobile^{legal disclaimer 13} app. Unlock it just as fast.

Split with Friends

A fast and simple way to manage shared expenses with your social circle.^{legal disclaimer 14}

Need More Help?

Book an Appointment

Book a virtual appointment with an advisor:

1-800-769-2561 (Open 24/7)

Find Your Local Branch

Meet with us in your local RBC branch

Branch Locator

Legal Disclaimer1)

To take advantage of this offer, you must be a resident of Canada and age of majority by January 13, 2026 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 November 4, 2025, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive $400, 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 9 PM EST January 13, 2026 and complete two of the following “Personal Banking Qualifying Criteria” by 9 PM EST time on March 24, 2026:

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.

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/offerterms400.

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 (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+ Visa, 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)

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)

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 Disclaimer12)

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 Disclaimer13)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Legal Disclaimer14)

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.

Legal Disclaimer15)

If you are an owner of an Account that allows Companion Accounts, participation in the RBC’s Value Program, a discount on the annual fee for an RBC credit card or a discount on the annual rental fee of a safe deposit box, your holdings will be automatically linked if their owner(s) is (are) the same. However, in some instances your product holdings may need to be manually linked, and you will need to contact us to do so. Without limitation, this includes if your product holdings are held in different ownership, in different processing centers, or there are greater than two account owner(s) on your Account. If any one of your associated or linked RBC products is in joint ownership and the ownership of any of the linked products differ from one another, you acknowledge that the ownership of the other products may be disclosed to the other joint owners or co-owners.

Legal Disclaimer16)

Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):

transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.

Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:

you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
you share any of your Passwords or Personal Verification Questions; or
you consent to, contribute to or authorize a transaction in any way.

Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.

For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.

^® / ™

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).

Avion Points^{legal bug 1} Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more. There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card. Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program. Explore Avion Rewards	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.
Interac^{legal bug ‡} e-transfers^{legal bug 2}^,^{legal bug 3}	FREE
International Money Transfers	Pay no fee for U.S. and international money transfers^{legal bug 4}
Cross Border Debits	5 cross-border debits per month, $1 each thereafter^{legal bug 5}
Online, Mobile and Telephone Banking	FREE
eStatements	FREE
Monthly Paper Statements	$2.25 without cheque image, $2.50 with cheque image
Non-Sufficient Funds (NSF) Fee	1 NSF fee rebated every calendar year^{legal bug 7}
Personalized Cheques^{legal bug 8}	1 book of cheques FREE, afterwards Fees Apply
Bank Drafts^{legal 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 months^{legal bug 10}.

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

Avion Points^{legal bug 1} Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more. There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card. Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program. Explore Avion Rewards	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.
Interac^{legal bug ‡} e-transfers^{legal bug 2}^,^{legal bug 3}	FREE
International Money Transfers	Pay no fee for U.S. and international money transfers^{legal bug 4}
RBC ATMs	No RBC fee to use ATMs worldwide^{legal bug 5}^,^{legal bug 6}^,^{legal bug 7}
Online, Mobile and Telephone Banking	FREE
eStatements or Monthly Paper Statements	FREE
Cross-Border Debits^{legal bug 8,legal bug 9,legal bug 10}	FREE
Safe Deposit Box^{legal bug 11}	Up to $60/year discount on regular fees
Non-Sufficient Funds (NSF) Fee	1 NSF fee rebated every calendar year^{legal bug 12}
Personalized Cheques^{legal bug 13}	FREE, with RBC VIP Style
Bank Drafts^{legal 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}

RBC Chequing Account Offer

Open an Eligible
RBC Chequing Account
and Get $400^{legal bug 1}