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Get More Perks for Less, Only at RBC

Pay for those little extras. Bank with RBC and get unlimited debit transactions in Canada. Plus, you could get approved for a credit card with no credit history required4Disclaimer.


Get no-monthly-fee banking2Disclaimer

Enjoy unlimited debit transactions in Canada with an RBC Advantage Banking account for students. Sign up for the Value Program to earn Avion points when you pay from your account3Disclaimer

Credit Card

No Canadian credit history required

When you bank with RBC, you can apply for an RBC credit card even with no prior credit history in Canada5Disclaimer. Get a credit limit up to $2,0004Disclaimer.


Bank anywhere, anytime with mobile solutions

Stay on top of your money 24/7. The RBC Mobile Student Edition of the RBC Mobile6Disclaimer app makes banking easy.

Account Features and Benefits

  • No-monthly-fee for full-time students2Disclaimer
  • Unlimited debit transactions in Canada
  • No RBC fee to use another bank’s ATM in Canada7Disclaimer, 8Disclaimer
  • Enjoy the Value Program at no additional cost: Shop online and in-store with your enrolled account to earn points on debit.3Disclaimer
  • Free Interac e-Transfer transactions9Disclaimer, 10Disclaimer
  • Pay no fees to send an unlimited number of International Money Transfers11Disclaimer. Send money to almost any country in the world, including, India, China, and the Philippines29.

How do I qualify?

  • You’re a full-time student 13+
  • You’re currently living in Canada
  • You open an RBC Advantage Banking Account for students
  • You complete qualifying criteria

3 Steps To Get Your $100


Open a new account

Open an RBC Advantage Banking account for students by June 30, 20241


Complete a transaction

Complete one of the transactions from the list below by August 30, 2024

  • Make 3+ debit transactions
  • Register for Interac Autodeposit and send one e-Transfer
  • Sign up for a Virtual Visa Debit Card and make one transaction

Get $100

Leave the rest to us! We’ll deposit your cash into your new RBC bank account

Add a Credit Card—No Credit History Required5Disclaimer

Ask about our other credit cards when you talk to an RBC Advisor

RBC Cash Back Mastercard card
  • Get a credit limit of up to $2,0004Disclaimer
  • No credit history required for RBC personal banking clients5Disclaimer. Higher credit limits are subject to higher income and asset requirements.
  • No annual fee
  • Get 10% bonus cash back for the first 3 months (up to a maximum spend of $2,000) with a new RBC Cash Back Mastercard Disclaimer. That’s up to 12% Cash back on grocery store purchases for the first three months and up to 11% on all other purchases for the first three months Disclaimer. Offer ends May 31, 2024.

  • Annual Fee: $0
  • Additional Card: $0
  • Purchase Rate: 20.99%
  • Cash Advance Rate: 22.99% (21.99% if you reside in Quebec)

Additional Fees

  • Cash Advance: $5.00 in and outside of Canada
  • Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
  • Dishonoured Payment Fee: $45.00
  • Overlimit Fee: $29.00 (fee does not apply if you reside in Quebec)
  • Additional Copies: $5.00 for Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts
  • Installment Plan Fee: If applicable, either a (i) one-time fee of up to 3% of total purchase amount, or (ii) monthly fee of up to 1.15% of total purchase amount (fee does not apply if you reside in Quebec)

Easy and convenient to earn cash back even after the offer period.

  • Up to 2% cash back on grocery store purchases26Disclaimer
  • Up to 1% cash back on all other qualifying purchases and pre-authorized payments26Disclaimer

No limit to what you can get back

That’s right – get unlimited cashback27Disclaimer. Plus, your cash back credits accumulate automatically so you don’t need to keep track.

Save and earn faster with offers

Load personalized offers from great brands before you shop to get cash savings or to earn bonus Avion points faster28Disclaimer.

Open Your RBC Student Account Today

Start opening your account online, through the mobile app, over the phone, by video call or at a branch. Be sure to have your passport and study permit handy for your appointment.

Open Bank Account

Two Ways To Apply30

Recommended for International Students

Sign Up with Mobile

Opening up an RBC account in the RBC Mobile6 app is fast, simple, and secure! It typically takes about 12 minutes.

  • You must have:
    • A valid passport or Canadian driver's license from AB, BC, MB, NB, NS, ON, QC or SK
    • A Canadian address
  • Be ready to take a selfie to verify against your passport or driver’s license
Download the RBC Mobile app
to get started.
   Get the RBC Mobile App

  Sign Up Online

Opening up an RBC account online is easy and secure. It typically takes about 12 minutes.

This is the best option for:

  • Students who have minimum 3 year credit history

  • You must be the age of majority in the province or territory you live in
  • You must have:
    • A minimum of 3 years of credit history
    • A Canadian address you have been living in for the last 6 months
Open Account Online

Other Ways to Apply

Call 1-866-583-9122 to book an appointment.

Call 1-866-583-9122 to book an appointment.

Get the RBC Mobile app in the App Store (opens in a new window) Get the RBC Mobile app on Google Play (opens in a new window)

Get the RBC Mobile app in the App Store (opens in a new window) Get the RBC Mobile app on Google Play (opens in a new window)