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Open an RBC Advantage Banking account for students by May 31, 2027legal disclaimer 1.
Open a No Monthly Fee Student Bank Account and Get $150legal disclaimer 1
Student banking that takes care of the basics, so you can focus on what matters. Open an RBC Advantage Banking account for students, complete the qualifying criteria and get a $150 cash bonus.
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Qualifying criteria and other conditions apply. Offer ends May 31, 2027. Complete offer qualifying criteria by July 26, 2027.
Open a No Monthly Fee RBC Student Bank Account and Get $150
CHEQUING
SPECIAL OFFER
Open a no monthly fee RBC Advantage Banking Account for students and get $150legal disclaimer 1 cash bonus.
RBC Advantage Banking Account for students
A student bank account that gives you more perks for less
$0legal disclaimer 3,legal disclaimer 4 /month
Enjoy no monthly fee
Pay no monthly feelegal disclaimer 3,legal disclaimer 4 on your student account and keep more of your money while you study.
Pay no annual fee for the RBC ION+ Visa
Get up to a $48 rebatelegal disclaimer 5 on the annual fee of an eligible credit card so you can keep more money for tuition and takeout.
Get free Interac e-Transfers
Send and receive money easily in Canadalegal disclaimer 6,legal disclaimer 7 — ideal for splitting rent, group projects, and shared costs.
Enjoy unlimited debit transactions
Pay for coffee, groceries, meals, transit, books, and more without extra fees.
Withdraw cash without fees
Get cash quickly with unlimited withdrawals at RBC ATMs, as well as non-RBC ATMs across Canadalegal disclaimer 8,legal disclaimer 9.
Bank on the go with confidence
Get financial support between classes with the RBC Mobile App12 and access to real advisors with the most ATMs and branch locations across Canada.
Pay for everyday essentials digitally
Spend online safely using a Virtual Visa Debitlegal disclaimer 10 card, included with your student account.
Get award winning banking:
Best Bank in Canada
RBC was awarded Best Bank in Canada for 2025 & 2026 by Global Finance.
Best Chequing Accounts
RBC was featured in Ratehub.ca's “Best student chequing accounts” editorial ranking 2026.
Ready to Open Your Student Bank Account Today?
See what you’ll need to be eligible and which documents are required, then open your student bank account and complete two qualifying activities to get your $150 cash bonus.
How Do I Open a Student Bank Account?
To open an RBC Advantage Banking account for students, you must:
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Be age 13 or older, or 14 or older in Quebec
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Be a full-time student and/ or age 24 and younger?
Live in Canada
The following documents are required:
Valid government-issued photo ID
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Proof of enrolment may be requested
If you're 25 and older or not a full-time studentlegal disclaimer 4, you may want to consider another account like the RBC Advantage Banking Account.
If you’re 12 and younger, you may want to consider the RBC Leo's Young Savers Account.
How Do I Get the $150 Cash Bonus?
Complete two of these qualifying activities before July 26, 2027legal disclaimer 1:
For example, your part-time job pay can be automatically deposited into your bank account on a set schedule.
Pre-authorized monthly payments include, but are not limited to, utility bill payments (hydro, water, cable, phone, internet), pre-authorized contributions to your investments and gym membership payments.
For example, you can pay bills such as internet, mobile, streaming subscriptions, gym memberships and more by selecting a payee and sending funds directly from your account.
You can quickly send or receive money with friends and family who have a Canadian bank account using Interac e-Transfer. With Interac Autodeposit, you do not need a security question; in most cases, funds are deposited directly into your account.
This is a debit card that lets you shop online, in-app, and internationally.
Keep Your Money Safe
CDIC Insurance
Feel confident that your money is protected with deposit insurance.
RBC Digital Banking Security Guarantee
Stay protected against digital transactions you didn’t make.14
Earn Avion Rewards on Everyday Student Purchases from Top Brands
If you are not already an Avion Rewards member, you must accept the Avion Rewards terms and conditions at www.avionrewards.com in order to join the Avion Rewards program and to access and redeem points earned through offers.
Load your offers and pay using your eligible RBC debit and/ or credit card, depending on the offer terms. Offers may be available in-store, online, or both. Learn More.
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RBC Mobile12 App
Enjoy 24/7 access to your personal accounts and convenient ways to send and receive money securely. Bank online, through the RBC Mobile app or by using Canada’s largest branch and ATM network.
Already a client? Get the app now:
Or text “RBC” to 722722 and we’ll send you the link.
Top Questions About Student Bank Account Offer
You can qualify for this $150 cash offer by:
Opening an RBC Advantage Banking Account for students between November 3, 2026 and May 31, 2027 at 9:00 PM EST, and Completing 2 out of the 5 Qualifying Criteria from your new account by July 26, 2027 at 9:00 PM EST, which are:
Set up and receive a recurring direct deposit: For example, your part-time job pay can be automatically deposited into your bank account on a set schedule.
Set up and make 1 pre-authorized payment: Pre-authorized monthly payments include, but are not limited to, utility bill payments (hydro, water, cable, phone, internet), pre-authorized contributions to your investments and gym membership payments.
Complete 1 bill payment: For example, you can pay bills such as internet, mobile, streaming subscriptions, gym memberships and more by selecting a payee and sending funds directly from your account.
Register for Interac Autodeposit and send or receive 1 Interac e-Transfer: You can quickly send or receive money with friends and family who have a Canadian bank account using Interac e-Transfer. With Interac Autodeposit, you do not need a security question; in most cases, funds are deposited directly into your account.
Sign up for an RBC Virtual Visa Debit and make 1 purchase: This is a debit card that lets you shop online, in-app, and internationally.
NOTE:
The Qualifying Criteria you perform to get the $150 cash offer (such as registering for Interac Autodeposit, signing up for and keeping the RBC Virtual Visa Debit, recurring payroll/pension deposit, bill payment or pre-authorized monthly payment) must remain in effect until at least at least May 31, 2028.
This student banking deal is available to Canadian residents who:
have never had a Personal Banking Account (chequing and savings account) with RBC 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 a full-time student as defined in the full Terms and Conditions.
See the full Terms and Conditions for details.
This offer is available to eligible full-time students.
To be considered a full-time student, you must be attending a primary or secondary school, or be enrolled in a program at the post-secondary level at a college, university or other educational institution. 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.
Only the primary account holder who is not an existing owner of a personal banking account is eligible for the $150 offer. The primary account holder must not have previously been a joint account holder within the past three years.
Yes. Your child will be eligible for the $150 cash offer if they are the primary account holder and are not an existing owner of a personal banking account.
A pre-authorized monthly payment (PAP) includes, but is not limited to, bill payments to a service provider such as gym membership or utility (hydro, water, cable, phone, internet) or pre-authorized contributions to your RBC investment account.
If you choose to qualify for this offer with the one (1) pre-authorized monthly payment (PAP) option, the payment must be withdrawn from your new eligible account by 9:00 PM EST on January 15, 2027.
Once you have met the qualifying criteria, the $150 cash offer will be deposited into your new student account within 10 weeks.
No. Only one $150 offer is available per Eligible Student Client, no matter how many Eligible Personal Banking Accounts you may open during the Promotional Period.
No, each eligible student client can get only one $150 cash offer, regardless of how many eligible personal banking accounts they may open during the promotional period.
Yes. Full-time International Students who reside in Canada are eligible for this offer.
The $150 offer is only available to new personal banking clients who open an RBC Advantage Banking Account for students during the Promotional Period and complete the Qualifying Criteria.
No. This offer is only for clients who have 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. Account upgrades do not qualify for the $150 offer.
You may not have received the $150 offer due to one of the following reasons:
If the qualifying criteria was not completed by 9:00 PM EST on July 26, 2027.
Your new eligible account was downgraded or closed prior to May 31, 2027.
The recurring payroll, one (1) bill payment or one (1) pre-authorized monthly payment were not recognized by RBC Royal Bank.
You had a Personal Banking Account with us within the last three years before the start of the Promotional Period.
Please contact your branch or our Advice Centre at 1-800-769-2511 no later than October 4, 2027, if you have not received your $150 offer. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for this Promotional Offer.
Please go to rbc.com/student150terms.
Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the $150 offer (such as registering for Interac autodeposit, signing up for and keeping the RBC Virtual Visa Debit, recurring payroll/pension deposit, bill payment or pre-authorized monthly payment) must remain in effect until at least May 31, 2028.
Not necessarily. You can be an existing RBC client and qualify for this offer, as long as you:
Do not have an existing Personal Banking Account with RBC.
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.
Complete qualifying criteria.
More Ways to Open a Student Bank Account
Book an Appointment
Book an appointment with an RBC through RBC Online Banking, the RBC Mobile app, or by calling the number 1-866-583-9122. Appointments are available in person, by phone, or by video conference. Learn more.
Apply with the RBC Mobile App
Or text “RBC” to 722722 and we’ll send you the link.
1)
Offer available November 3, 2026 – May 31, 2027 (“Promotional Period”)
This Promotional Offer is available to any Eligible Student Client, who is a minimum of 13 years of age and older as of May 31, 2027, without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period and in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $150 with an Eligible Personal Banking Account.
To qualify for the $150 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on May 31, 2027 and complete two of the following Qualifying Criteria by 9:00 PM EST on July 26, 2027 using your Eligible Personal Banking Account:
- 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.
- 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.
- 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 be credited to your new Eligible Personal Banking Account by 9:00 PM Eastern Time July 26, 2027.
- 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 July 26, 2027.
- 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 July 26, 2027.
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction 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, 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 included as qualifying transactions.
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option ii. (above) 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 one of the other eligible transaction types described.
The $150 cash component of the Promotional Offer will be deposited into your Eligible Personal Banking Account within 10 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/student150terms.
3)
RBC Advantage Banking for students is offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC). For more information, visit: https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/low-cost-no-cost-accounts.html.
4)
To be eligible for a monthly fee waiver on your Advantage Banking account, you must be 24 and under OR a full-time student. To be considered a full-time student, you must attend a college, university, or other educational institution in a program at a post-secondary school level (whether in Canada or not), and during a particular semester, you must take at least 60% of the usual course load for the program in which you are enrolled. Proof of enrolment may be requested at our discretion. It is your responsibility to notify us of changes to your student status and/or your graduation date throughout the period that you are receiving the Monthly Fee waiver for Students on the RBC Advantage Banking Account. Based on the graduation date you provide to us, your student status will expire with us and we will begin charging you the Monthly Fee for the RBC Advantage Banking account.
5)
Subject to credit approval. If you are either i) post-secondary student of any age, or ii) a non-student age 24 and under, and an owner or co-owner of an RBC Advantage™ Banking Account for students ("Eligible Student Bank Account") and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an "Eligible Credit Card"), the annual fee of your Eligible Credit Card may be fully rebated, every year. Rebates that apply to eligible credit cards are (listed in order of highest standard annual fee to lowest standard annual fee):
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until you turn 25 (provided you are no longer a full-time student), or iii) if you are 25 or older, until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. If your Expected Graduation Year occurs after your 25th birthday, or you are turning 25 and are still a full-time student but have not yet notified us of your Expected Graduation Date, please visit a branch to ensure continuity of benefits pertaining to your Eligible Student Bank Account (proof of enrollment required). Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank 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.
| Credit Card Annual Fees | values |
|---|---|
| RBC ION+ Visa | $48 |
| WestJet RBC MasterCard | $39 |
6)
Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. There is a limit of 999 free Interac e-Transfer Transactions per Month per Account. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.
7)
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 $5.00 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.
8)
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.
9)
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.
10)
This is the account you access with your RBC Royal Bank Client Card when you select the "Chequing" option on a merchant payment terminal or at an automated teller machine. RBC Virtual Visa Debit is not available to business clients. The Virtual Visa Debit card allows you to shop online, pay bills, make in-app purchases and shop in-store internationally. When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations. Debit transactions made using your RBC 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. When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement for further details.
12)
RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada.
13)
This rating reflects the Apple App Store score as of December 2025 and is subject to change.
14)
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.
For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement 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. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee.
For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement 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. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee.
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All other trademarks are the property of their respective owner(s).
Right Account Guarantee
Whether you're looking for an all-inclusive banking package or a simple day-to-day account, we have the right one for you. Our suite of accounts has been specifically designed to meet our clients' wide range of banking needs, so we're confident you'll find the one that fits you best. In fact, we're so confident that you'll be happy with your new account that if you're not satisfied with it, we'll give you your money back*.
If you open or upgrade to an eligible* RBC banking account and you're not completely satisfied with it, we will refund your monthly fees for up to 3 months.
*Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Advantage Banking for students, 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.