Royal Bank of Canada
2025 RBC Advantage Banking Student Offer – AirPods 4 - Terms & Conditions
Definitions
“Eligible Personal Banking Account” means an RBC Advantage Banking accountTM (standard Monthly Fee of $11.95; $0 with waiver for eligible full-time students, as more particularly described below).
“Eligible Student Client” means a client who:
- Resides in Canada;
- Does not have an existing Personal Banking Account with us;
- Never had a Personal Banking Account nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the three-year period before the start of the Promotional Period;
- Is at least 13 years of age;
- Qualifies to open an Eligible Personal Banking Account; and
- Is a Full-Time Student.
“Full-Time Student” means you must attend a secondary school OR be enrolled in a program at the post-secondary level at a college, university, or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.
Note: Students who are 25 years of age and older must provide proof of enrollment.
“Open Account By Date” means the date of November 3, 2025, by which date you are required to open an Eligible Personal Banking Account as a Full-Time Student in order to qualify for the Promotional Offer;
“Personal Banking Account” means any of the following accounts: RBC Day to Day Banking®, RBC No Limit Banking®, RBC Advantage BankingTM, RBC Student Banking®, RBC Leo’s Young Savers Account®, RateLink Preference®, RateLink Essential®, RateLink Essential - Sixty Plus®, Sixty Plus - Signature Plus®, Sixty Plus - Royal Money Maker®, Sixty Plus - Calculator Plus®, RBC VIP Banking®, RBC Signature No Limit Banking®, RBC No Limit Banking for Students® account; RBC Advantage Banking™ for students.
“Primary Owner” means the person we designate as the primary owner of a jointly-held Personal Banking Account;
“Promotional Offer” means the offer as defined in Section 1 of these Terms;
“Promotional Period” means the period starting on July 3, 2025 and ending at 9:00 PM Eastern Time on the Open Account By Date of November 3, 2025;
“Qualifying Criteria” means the conditions set out in Section 2 and 3 of these Terms;
“Qualify By Date” means the date of January 30, 2026 at 9:00 PM Eastern Time by which time and date you are required to complete the Qualifying Criteria in order to qualify for the Promotional Offer;
“RBC Employees” mean all our employees and pensioners.
“Terms” mean these terms and conditions that govern this Promotional Offer;
“you” and “your” mean the Eligible Student Client to whom we extend the Promotional Offer;
“we”, “us”, “our” and “Royal Bank” mean Royal Bank of Canada or any of its deposit taking subsidiaries.
- The Promotional Offer
Provided you fulfill the conditions set out in Sections 2 and 3 below by the Qualify By Date, you may earn the following:
- AirPods 4 with Charging Case (USB C).
(herein, referred to as the “Promotional Offer”)
- How to qualify for the Promotional Offer:
To qualify for this Promotional Offer you must:
- be an Eligible Student Client; and
- open an Eligible Personal Banking Account before the Open Account By Date; and
- complete at least two (2) of the following by the Qualify By Date, using your Eligible Personal Banking Account:
- i. Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.
- ii. Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.
- iii. Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payroll must also be credited to your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
- iv. Set up one (1) pre-authorized monthly payment (“PAP”) – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
- v. Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time January 30, 2026.
NOTE: Qualifying Debit Transactions are defined as bill payments or purchase transactions using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, or Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not considered qualifying transactions for the purpose of this Section 2 Paragraph c.
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) of this Section 2 Paragraph c. is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select two of the other eligible transaction types described.
- Conditions that apply to the Promotional Offer
The following conditions also apply to this Promotional Offer:
- RBC Employees are not eligible to participate in the Promotional Offer. However, if an RBC Employee is a co-owner on a jointly-held Eligible Personal Banking Account, the Promotional Offer may still be earned, provided all conditions noted in these Terms are fulfilled by the other co-owner(s) of the jointly-held Eligible Personal Banking Account who is/are not RBC Employees;
- Only one Reward is available per Eligible Student Client, no matter how many Eligible Personal Banking Accounts you may open during the Promotional Period;
- Only one Reward is available per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly with another co-owner and the Qualifying Criteria are fulfilled by more than one co-owner. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the Promotional Offer.
- The Reward is only available while supplies last. While we reserve the right to substitute the Reward with an offer of equal value, we are not obligated to do so.
- Eligible Personal Clients are not entitled to a change, upgrade or substitution of the Reward
- We may, but in no event are we required to, follow up in a manner of our choosing with Eligible Student Clients who have opened an Eligible Personal Banking Account during the Promotional Period with a reminder to complete the Qualifying Criteria before the Qualify By Date.
- Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to receive the Reward (for example, setting up payroll/pension deposit or pre-authorized payments) must remain in effect until at least July 3, 2026.
- If you received the Reward and then downgraded, changed or closed your Eligible Personal Banking Account at any time prior to 365 days from the Qualify By Date (including but not limited to by virtue of no longer qualifying for an Eligible Personal Banking Account and/or no longer being a full-time student), we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with us for the value of the Reward you received, even if this places your account(s) into overdraft or causes you to exceed an applicable credit limit. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we may send you an invoice for the equivalent dollar value of such amount(s), which amount you agree to pay to us within 30 days of receipt of said invoice.
- In order to receive the Reward, you must have a valid deliverable email address associated with your client profile with us by November 3, 2025. It is your responsibility to keep your email address with us current by updating it in RBC Online Banking, contacting the RBC Royal Bank Advice Centre, or visiting an RBC Royal Bank Branch, and we will not be responsible for any failure by you to do so or for any consequences arising from such failure;
- Starting August 11, 2025, we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the Qualifying Criteria and qualified for the Promotional Offer. This message will be sent at any time up to ten business days after we have determined that all Qualifying Criteria have been completed by you. The email message will contain a secure link that will permit you to visit a secure online store where you can order your Reward and confirm an address for delivery, as well as any other shipping details;
- You have until March 13, 2026 to use the secure link provided in the email informing you of your qualification for the Promotional Offer and to order your Reward. Any attempt to use the link after this date will not be accepted and you will be deemed to have forfeited the Promotional Offer and any entitlement to the Reward.
- We will ship the Reward to the address you provide when you ordered the Reward, as long as it is an address with a civic number and street name and is located in Canada. We will not ship to any post office box (P.O. Box);
- We may send you an email notification informing you that your Reward has been shipped and/or providing you with a tracking number. It is your responsibility to keep your email address current. If a tracking number has been provided, it is your responsibility to track and make any arrangements necessary to receive delivery of the Reward;
- A receipt or other record (e.g., by the carrier) of delivery at the address you provided when you selected your Reward, will be sufficient evidence of your receipt of the Reward, regardless of whether the signature on the receipt corresponds to a signature that appears in our records for the Eligible Personal Banking Account.
- We are not responsible for any failure, malfunction or defect in the Reward itself, nor for any services related to it. Any complaint, inquiry, or communication related to any failure, malfunction or defect in the Reward, as well as any services related to it, should be addressed directly to the Reward’s manufacturer.
- If you believe you have qualified for the Promotional Offer but have not received the email described immediately above informing you of your qualification, you have until February 13, 2026 to inform us accordingly, so that we may check whether you have indeed qualified for the Promotional Offer. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for this Promotional Offer;
- If you are not satisfied with your Eligible Personal Banking Account and switch to another account, our Right Account Guarantee™ may apply, provided you satisfy the underlying conditions. If you benefit from the Right Account Guarantee, we still reserve the right to reverse the value of the Promotional Offer amount, as more fully described in Subsection G above. For the terms and conditions of the Right Account Guarantee, visit http:www.rbcroyalbank.com/products/deposits/right-account-guarantee.html
- Additional Conditions that apply to all Promotional Offers
- Except as described herein, the Promotional Offer and these Terms do not, in any way, affect any of the standard account fees, service fees or other fees related to the operation of any of our Personal Banking Accounts, credit card accounts, and business banking accounts, which fees continue to apply.
- This Promotional Offer shall not be combined with any other offer or promotion related to our Personal Banking Accounts except as may be permitted under the terms and conditions of such other offer or promotion (if applicable).
- We reserve the right to change the Promotional Offer and these Terms at any time. The posting of the current Terms at rbc.com/airpodsterms shall be deemed sufficient notice to you of such Terms and any changes, if required.
- Limitations that apply to all Promotional Offers
- We reserve the right to cancel the Promotional Offer at any time for any reason at our complete discretion without notice.
- In the event of a conflict between these Terms and the content of any document, brochure or promotional material advertising the Promotional Offer, these Terms shall prevail. You may always view the current Terms by visiting rbc.com/airpodsterms or you may call 1-800-769-2511 to request a current copy.
- We reserve the right, in our sole discretion, to suspend, disqualify, limit or revoke this Promotional Offer to any person or account holder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Promotional Offer, including any person whose overall client relationship with us is in our opinion not in good standing.
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