Services Beyond Banking

Partnerships to Support Your Business

Business Registration

RBC Client Offer:

Register or incorporate your business with Ownr in Ontario, Alberta, BC, or Quebec and get up to $300^* back when you open an RBC business bank account at any RBC Royal Bank branch.

$100 refund for sole proprietorships. Offer Details
$300 refund for incorporations. Offer Details

View Details

Best for

New businesses looking for an easy way to register or incorporate.
Businesses looking to save on startup costs.
Businesses that want to open up a business deposit account.

Digital Transformation

Is your business looking to cut costs, boost productivity and increase value to customers? It may be time for your digital transformation.

The RBC Go Digital program is designed to help you adapt to changes in the digital world, access new technologies and differentiate yourself in a disruptive market.

Learn More

Best for

Businesses eligible for the Go Digital program, which includes those in the wholesale, logistics, retail and manufacturing industries
Organizations ready to see how prepared they are for digital transformation
Companies looking to unlock value to reinvest in new growth opportunities

Business Services

Make informed decisions with real-time consumer data insights.

RBC Insight Edge^TM for Small Business

This easy-to-use dashboard transforms anonymized credit and debit card transactions, along with demographic and location data, into real-time consumer insights⁷. Track shopping behaviour, research locations, optimize store hours and staffing, and more!

RBC Client Offer:

RBC Retail and Consumer Services business clients⁸ can subscribe to RBC Insight Edge for Small Business for $10/month⁹.

View Details

Best for

RBC business clients who have a retail or consumer services business that sells directly to customers, typically at one physical location.

For larger retail and consumer services businesses, or if you use RBC Express, learn about RBC Insight Edge for Commercial and CCG Clients.

Receive quality leads to expand your creative and marketing business and grow your client base.

RBC Client Offer:

RBC Business clients who register as a Service Provider receive a tailored offer of 30% off the monthly fee with the Premium Growth plan¹⁰.

Learn More

Note: After Signing into Online Banking for Business, select the “How it Works” tab for Freelancers and Agencies, or contact your Account Manager.

Best for

Service providers of every size, ranging from freelancers to agencies.
Clients looking for a new way to grow their marketing business through increased visibility and awareness.
Businesses interested in receiving customized leads for projects that match their expertise and criteria.

Small Businesses can take advantage of our latest product offers to improve connectivity, collaboration, security and more. Move your business forward with TELUS.

RBC Client Offer:

Shop the latest offers on mobility, internet, security and business connect plans to help your thriving business.

Learn More

Best for

Start-ups or on-the road businesses looking for clear and simple phone plans.
Growing businesses looking to improve their communication processes with multiple phone lines and take advantage of monthly volume discounts.
Established businesses looking to improve productivity with business phones for employees.
Businesses with a physical location looking for a security system with 24/7 premises protection.

Nextdoor is an easy-to-use app where neighbours can connect and share information. By promoting your business on Nextdoor, you can reach community members in real time and grow your business.

RBC Client Offer:

RBC business clients receive 3 free Local Deals⁴. Offer ends July 31^st, 2023

Promote new products, services or incentives to new and existing customers with three free Local Deals.
Build Relationships with Local Customers: Post an update, ask for feedback and share expert advice.

Learn More

Best for

Businesses that want to attract new customers from within their neighbourhood
Businesses that want to grow their online – and offline – presence
Promoting offers, product or service updates or seasonal deals

Legal Tools for Your Growing Business

Managing a growing business is no easy feat, especially when it comes to staying on top of legal work. That’s why we created an all-in-one platform to help save you time and money.

Ownr’s Managed Corporation Plan lets you automate some of your routine legal tasks to help you stay compliant. Quickly and easily create customized legal documents and manage your company’s ownership structure—so you can get back to business.⁶

Ownr services are offered in Ontario, Alberta, British Columbia, and Quebec only.

Learn More

Best for

Established or growing businesses that want to save on legal costs
Business owners who want to create their own legal documents
Business owners looking to easily make changes to their company ownership

Payment Processing

Looking for Faster Payments into your business bank account?

Moneris^{disclaimer ‡} has payment solutions for every type of business, and you can get access to your money the next day, every day at no extra cost.

Set up is easy, fast and secure
Accept payments in-store, online or on-the-go
Access to funds by next day – 7 days a week, 365 days a year
Get 24-7 access to advice and support along the way

Learn More

Best for

Businesses that want to boost sales by making it more convenient for customers to pay.
Businesses looking for payment solutions to grow with them, providing scalable options and improved cash flow.
Those looking for in-store point-of-sale or wireless terminals for curbside pick-up

Human Resources & Payroll

Simplify and streamline your payroll and human resources processes.

RBC Client Offer:

Get 3 months of free payroll processing (including ADP^± and ADP HR Assist^SM bundles) and your set-up fee waived¹!

Best for

Growing businesses that want help managing their payroll and human resources.
Companies that remit taxes on behalf of their employees.

Hire the best young talent with skills that are matched to your business via Canada’s largest campus recruiting platform.

Leverage Magnet’s built-in Applicant Tracking System (ATS) to review profiles of qualified applicants, and download their resumes.
Track posting metrics and receive hiring related news on your Employer Homepage.
Access Employer Resources and content feeds from trusted partners.
There are no fees for employers or job seekers

Register now on the RBC Youth Employer Portal to create your account and start posting jobs to find the right candidates. (For best results, use the following browsers: Chrome, Firefox, Edge or Safari). The URL is bilingual:

Best for

Businesses of all sizes, looking to grow by easily hiring students for work integrated learning opportunities in a cost-effective way.
Employers seeking a current, customizable recruiting strategy, with integrated filters to target job seekers based on selected skills, work experience, and diversity employment groups.
Businesses wishing to take advantage of government subsidies supporting youth and diversity employment

Find out more about Magnet here.

Business Resources

Get access to creative and marketing company experts based on your project and budget.

Meet the industry experts on helloDarwin’s network of 5,000+ vetted web and marketing professionals to accelerate your business growth.

RBC Client Offer:

helloDarwin’s Basic Support package is 100% free with no obligation required. Ever better, RBC business clients get Premium Support at no extra cost¹¹.

Learn More (opens new window) or contact your Account Manager.

Best for

Businesses of every size looking to increase their online presence.
Clients who want to grow their business by increasing their exposure through digital and marketing projects such as video design, website or app development, developing marketing strategies, etc.
Clients looking for a project manager to help assess project needs and provide unbiased guidance throughout the process.
Services are available to all industries and sectors.

GrantMatch is an industry leader in securing government funding for a wide variety of organizations.

RBC Client Offer:

RBC business clients can access preferred pricing from GrantMatch⁵

Learn more or contact your Account Manager

Best for

Businesses interested in receiving a complimentary curated list of available government incentives based on their unique company profile
Businesses looking for assistance in grant writing services and application completion
Businesses looking to uncover funding for future projects through ongoing, customized grant program matches
Businesses wanting to work with funding experts to develop long-term funding strategies

Access business resources, financing and mentoring to help build and grow your business.

RBC Client Offer:

Futurpreneur Canada supports young entrepreneurs with an expert business mentor for up to two years and resources to help you plan, launch, manage and grow your business.

Best for

Aspiring business owners aged 18-39.
Businesses in the ideation stage or less than 12 months in full-time operation.
Individuals looking to acquire an existing business or franchise a business.
Entrepreneurs looking for mentorship programs and support.

Access digital tools to enhance productivity, communication, collaboration, data analytics and your business operations.

Meet with IT experts to help you navigate the cloud computing marketplace to find the right software solutions from one provider.

RBC Client Offer:

Sherweb will provide RBC Business clients with offers for solutions including Microsoft365, Microsoft Teams plus voice calling, Dynamics 365, Bitdefender, Proofpoint, and more¹²

Learn More or contact your Account Manager

Best for

Clients looking for solutions to defend against spam, phishing and malware
Businesses who want to access a team of digital experts to help them understand how to work more efficiently in the cloud and unlock productivity with automation
Businesses and organizations across all industries with simple to complex software needs

Fuel Savings

Link your eligible RBC Business client card and credit cards³ to your Petro-Canada^± card.

Instantly save 3¢/L on fuel³ when you fuel up at Petro-Canada.

Best for

Businesses purchasing gas on a regular basis.
RBC clients with an RBC debit and/or credit card.
Businesses looking to save on everyday operating costs.

Offers

Save money and earn bonus points faster with customized offers that can help you run your business.

View Details

Best for

New businesses looking for ways to make their money go further as they get started.
Business owners looking for savings and other incentives that can reduce their day-to-day business expenses.
Business owners looking for programs that reward them for spending with the suppliers they already use.

Security

Kobalt.io can help protect your business, customers, and data from growing cybersecurity threats.

RBC Client Offer:

RBC business banking clients get a 10% discount (before tax) on all one-time Kobalt services and on a subscription for the first year term¹³.

Learn more (opens new window) or contact your Account Manager

Best for

Businesses looking for support to evaluate and assess their security risks.
Businesses looking for help to build a security program, achieve compliance, ensure the safety of their data to maximize business growth.
Businesses that want continuous support 24x7, with an investment at a fraction of the cost of building an internal security team.

Access digital tools to enhance productivity, communication, collaboration, data analytics and your business operations.

Meet with experts to help you navigate the cloud computing marketplace to find the right software solutions from one provider.

RBC Client Offer:

Sherweb will provide RBC Business clients with offers for solutions including Microsoft365, Bitdefender, Proofpoint, Veeam, and more¹²

Learn More or contact your Account Manager

Best for

Clients looking for the right digital solutions without the headaches
Businesses who want to access a team of software experts to help them understand how to work more efficiently in the cloud
Businesses and organizations across all industries with simple to complex software needs

Small Businesses can take advantage of our latest product offers to improve connectivity, collaboration, security and more. Move your business forward with TELUS.

RBC Client Offer:

Shop the latest offers on mobility, internet, security and business connect plans to help your thriving business.

Learn More

Best for

Start-ups or on-the road businesses looking for clear and simple phone plans.
Growing businesses looking to improve their communication processes with multiple phone lines and take advantage of monthly volume discounts.
Established businesses looking to improve productivity with business phones for employees.
Businesses with a physical location looking for a security system with 24/7 premises protection.

International Trade

All of the information, tools and resources you need to help your business go global

A free, online global trade resource, RBC Global Connect offers market profiles, trends and tools, as well as access to the RBC Trade Club, which connects you to businesses like yours around the world. Learn more

Access trade insights all in one place.
Find trade partners through our global network of over 190,000 importers and exporters.
Identify the best countries for your product or service from our database of 170 international markets.

Best for:

Business owners who want to expand and diversify their supply chain
Business owners looking to find new trading partners

Point-of-Sale Financing

Give Your Customers More Ways to Pay with PayPlan by RBC^†.

PayPlan by RBC gives your customers the option to pay for items over time on the terms that work best for them through a simple, positive payment experience that supports strong, lasting relationships.

Offer more options and flexible financing terms for your shoppers to pay.
Provide your shoppers with a way to pay for larger items with a pay‑over‑time solution.
Make the buying decisions easier for your shoppers when the costs can be split over time, across multiple payments.

Ready to explore PayPlan by RBC?

Learn More

Best for

Companies looking to drive sales, grow average order value and increase overall conversions through different payment options
Companies in business-to-consumer sales
Companies who want to enhance their brand with a pay-over-time solution backed by a trusted Canadian Bank

Speak To A Business Advisor At RBC

Call our 24/7 Business Helpline: 1-800-769-2520 Find a branch near you

More than 10 employees? Contact a business specialist

View Legal DisclaimersHide Legal Disclaimers

^‡

All other trademarks are the property of their respective owner(s).

MONERIS is a registered trademark of Moneris Solutions Corporation.

Petro-Canada is a Suncor business. Trademark of Suncor Energy Inc. Used under licence.

Trademarks of Sherweb Inc.

Ownr™ is a trademark used under license.

^†

PayPlan by RBC financing is provided by RBC Ampli Inc.

For sole proprietorship registration "$100 back" offer is inclusive of any applicable taxes, and for incorporation, "$300 back" offer is inclusive of any applicable taxes ("Offer"). Offer available when you register or incorporate with Ownr and apply and get approved for a new RBC business deposit account associated with the business registered or incorporated with Ownr ("BDA") within 60 days ("Application Criteria"). Royal Bank of Canada (not Ownr or RBC Ventures Inc.) will in its discretion make approval decisions for all BDA applications. Once you complete the Application Criteria, you must log back into your Ownr account and click 'Refund Me'. You will receive the Offer as a credit in your BDA within 7-10 business days of clicking 'Refund Me'. To qualify for this Offer your BDA must remain open for a period of 1 year from the date it is opened but there is no minimum balance that must be maintained in your BDA. If you received this Offer then change or close your BDA within 1 year of the date it was opened, we reserve the right to debit from your BDA an amount equal to the value of this Offer (inclusive of applicable taxes), even if this places the BDA into overdraft. Offer may be revised or withdrawn at any time without notice.

Terms and conditions: Receive three months of free payroll processing and free implementation when you are referred by Royal Bank of Canada (“RBC”) by June 30, 2023 and have entered into ADP’s standard form services agreement by July 31, 2023. Cannot be combined with any other offers and is only available to new ADP clients in Canada that are referred by RBC and have 1-49 employees. Applies only for Small Business Payroll solutions - ADP Workforce Now On the GoSM, TeamPay by ADP® (including ADP HR Assist bundles), TeamPay by ADP Live, and Comprehensive Outsourcing Services. Free payroll processing applies to the recurring payroll processing fees paid by you to ADP. “Recurring payroll processing fees” exclude, without limitation: (i) any underlying payroll funding obligations (wages, taxes, third party remittances); (ii) any fees for official bank cheques, tax or special one-time reports, third-party remittances or cheque stuffing; (iii) Year-end services; (iv) refundable deposits or third party pass-through charges (including delivery charges); (v) direct expenses/charges (e.g. NSF fees); (vi) penalties and interest; (vii) fees for shipping, delivery and installation of equipment or software, custom programming, the sale or leasing of equipment or software, or maintenance; and (viii) income derived from the float. ADP reserves the right to discontinue or modify this promotion at any time. ADP, the ADP logo, and Always Designing for People, and TeamPay by ADP are trademarks of ADP, INC. ADP HR Assist and ADP Workforce Now On the Go are service marks of ADP, INC. ® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. All other marks are the property of their respective owners. Services referenced herein are provided by ADP Canada Co. ADP Canada Co. is not a member of RBC Financial Group. Copyright © 2022, ADP Canada Co.

To participate in this offer, you must have an eligible RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) (“Eligible RBC Card”). When you participate in the Linked Loyalty Program as an RBC business client, you will only be able to link up to two (2) Eligible RBC Cards that are business credit cards and one (1) Eligible RBC Card that is a debit card to a Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases.

Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction

This offer is not transferrable. You will receive three (3) free Local Deals (valued at approximately $1,625 - exact value is dependent on the number of neighbours within a 10km radius of the business) (collectively, “Offer”). “RBC Business Clients” are RBC clients who have an RBC business bank account or an RBC business credit card (excluding RBC commercial credit cards). Offer is valid for the first 3 months from the date of sign-up. The Local Deal is a way for businesses to share deals and offers. RBC Business Clients must either sign up with Nextdoor via the Offers for Business platform or if they who have an existing business account with Nextdoor must email Nextdoor at the email address provided in the offer terms in the Offers for Business platform using their email associated with their business account for Nextdoor in order to receive the Offer. Offer must be activated before July 31^st, 2023. Offer will be applied to your Nextdoor business account within 48 hours after the initial Nextdoor business account sign-up via Offers for Business or for RBC Business Clients with an existing business account with Nextdoor upon email receipt.

For more information on Local Deals, please visit: https://help.nextdoor.com/s/article/Offers-rules-best-practices-official?language=en_CA (opens to external site).

Nextdoor Canada Ltd, and not Royal Bank of Canada, is responsible for the terms and conditions applicable to this offer.

This offer is only available to Royal Bank of Canada (RBC) business clients and Group Advantage sponsors (“RBC Customers”) and is non-transferable. RBC Customers will receive free access to the GrantMatch Funding Assessment and Strategy Tool (FAST). RBC Customers who wish to access the FAST more than once must contact GrantMatch directly. Upon completing a FAST assessment, RBC Customers can get access to preferred pricing for 1.GrantMatch grant writing services (where GrantMatch personnel will assist with the completion and submission of a grant application) and 2.GrantMatch Premium (where GrantMatch funding specialist will assist in developing long term grant strategy, offer guidance on the grant application process and if a grant is awarded will assist with reporting and compliance requirements) and 3.the GrantMatch Hub platform at a 20% discounted subscription rate of either $24 per month, or $240 per year. These Offers are valid from December 15, 2022 to January 31, 2024 (“Offer”).

Preferred pricing for GrantMatch grant writing services consists of the following which is a 20% discount from GrantMatch’s standard pricing for GrantMatch grant writing services:
(1) Hourly rate $175.

Preferred pricing for GrantMatch Premium consists of the following options which are a 20% discount from GrantMatch’s standard pricing for GrantMatch Premium:
(1) an hourly rate $175; or
(2) a percentage fee model which is based on a percentage of approved funding:
- Up to $250,000 = 20% fee (of the first $250,000 of approved funding)
- Between $250,000 - $499,999 =16% (of approved funding)
- Between $500,000 - $999,999 =12% (of approved funding)
- More than $1mm = 8% (of approved funding)

Preferred pricing does not include HST. GrantMatch Corp., not Royal Bank of Canada, is responsible for all terms and conditions applicable to your GrantMatch services, which are available at: https://ca.grantmatch.com/gm-terms-of-use-ca. Offer may not be combined or used in conjunction with any other offer(s). GrantMatch and RBC each reserve the right to discontinue or modify this Offer at any time.

Ownr^TM is not a law firm and does not provide legal advice or legal services. We provide self-help services at your specific direction.

Insights provided by RBC, in electronic or paper form, (“Insights”) are for general guidance and informational purposes only. Insights are not intended to provide specific financial, investment, tax, legal, accounting or other advice, and they should not be relied on for any such advice. Not all guidance contained in Insights will be appropriate in all cases. Royal Bank of Canada does not offer guarantees of any kind, and is not responsible in any way for the content of Insights including opinions, information and resources offered. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any Insights. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any information in Insights, or arising from any action or decision made by you in reliance on any Insights. Before implementing any strategy, you should speak to a professional advisor and create a plan that is designed to suit your requirements.

Insight Edge for Small Business is only available for retail businesses in Canada that accept debit and credit card payments from customers.

Applicable taxes will be charged on the monthly subscription fee. The fee will be debited on the fourth business day of each month from the RBC business deposit account designated by you at registration. The fee will be prorated during your first month of subscription, depending on when you subscribe. You may cancel your RBC Insight Edge subscription at any time directly in the tool. If you cancel your subscription, the cancellation will be effective at the end of the month in which you cancel. You will continue to have access to RBC Insight Edge until the end of the month of cancellation, and you will be charged the fee for your last full month on the fourth business day of the following month.

10)

This offer is non-transferable. This offer and its associated terms and conditions are provided by helloDarwin, not Royal Bank of Canada (“RBC”), and are available at: https://hellodarwin.com/terms-of-service.
To take advantage of this offer, click the link in this offer. Under the “How it works” tab, select “For Freelancers & Agencies” and register to become a service provider to start receiving curated leads. A representative from helloDarwin will reach out to you. helloDarwin has agreed to provide you an exclusive discount of 30% off the monthly fee for the first year. helloDarwin has agreed you may cancel the subscription at any time without penalty. Monthly fee packages include Studio $100/month, Kick-Start $250/month, and Growth $500/month.
This offer cannot be combined with any other offers. Offer may be amended or withdrawn at any time. For more details on the Offers program, please visit rbc.com/offers.

11)

This offer is non-transferable. This offer and its associated terms and conditions are provided by helloDarwin, not Royal Bank of Canada (“RBC”), and are available at: https://hellodarwin.com/terms-of-service.
To take advantage of this offer, click the link in this offer to fill out the form which outlines your business and project details and a representative from helloDarwin will reach out to you. helloDarwin has agreed to provide an exclusive discount of 100% off the Nominal Fee. The Nominal Fee is set at 1.5% of the total cost of the project. Where the Premium service discount is available, a Nominal Fee of 0.75% of the total cost of the project will be charged.
This offer cannot be combined with any other offers. Offer may be amended or withdrawn at any time. For more details on the Offers program, please visit rbc.com/offers.

12)

This offer is not transferable. This offer, all software solutions and their associated terms and conditions are provided by Sherweb, not Royal Bank of Canada (“RBC”). Sign in to see the full terms and conditions offered by Sherweb. The offers contained in this document are available for RBC clients only. Subject to client acceptance of any applicable terms and conditions related to Sherweb and/or listed vendor offerings. Offers are subject to change at any time.

13)

This offer is only available to Royal Bank of Canada (RBC) business clients and is non-transferable. To take advantage of this offer, please visit the link in the offer and book a consultation with a Koblat.io cyber security advisor. Through the consultation, Kobalt.io will assess your business needs and offer recommendations on available services Kobalt.io shall provide RBC business banking clients with a 10% discount (before tax) on all one-time Kobalt.io Services Kobalt.io shall provide RBC business banking clients with a 10% discount on their subscription for the first year of the term provided for in the applicable Provider and Client Agreement. After the first year of a subscription service, you will automatically be converted to a monthly subscription service. RBC business clients must cancel the service no later than 30 days prior to their next invoice date to avoid being charged the regular monthly fee. RBC business clients will not incur any early termination fee or penalty of any kind. Kobalot.io. not Royal Bank of Canada, is responsible for all terms and conditions, which are available at: https://kobalt.io/terms/. Offer may not be combined or used in conjunction with any other offer(s). Kobalt.io and RBC each reserve the right to discontinue or modify this Offer at any time. Offer ends April 22, 2025.

Services Beyond Banking

Partnerships to Support Your Business

Business Registration

Best for

Digital Transformation

Best for

Business Services

RBC Insight EdgeTM for Small Business

Best for

Best for

Best for

Best for

Best for

Payment Processing

Best for

Human Resources & Payroll

Best for

Best for

Business Resources

Best for

Best for

Best for

Best for

Fuel Savings

Best for

Offers

Best for

Security

Best for

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International Trade

Best for:

Point-of-Sale Financing

Best for

Speak To A Business Advisor At RBC

RBC Insight Edge^TM for Small Business