Branch Safety and Account Opening Options
For the health and safety of our communities and employees, we have introduced new safety protocols in some branches and temporarily closed others.
To address the challenges facing newcomers, we are happy to schedule an appointment to open a bank account by phone, video conference or in branch.
Call Us to Get the RBC Newcomer Advantage* Disclaimer
As Canada’s largest bank5 Disclaimer—with over 150 years serving newcomers—we have learned what you need when you first arrive in Canada.
1 Free Online Doctor Visit (up to $99 value) through Maple, with a qualifying bank account or credit card^ Disclaimer
$100 Cash when you open an eligible bank account and complete the qualifying criteria‡ Disclaimer
No-Monthly-Fee Banking for a year with a qualifying account1 Disclaimer
Up to 6,000 RBC Rewards Points with an RBC Rewards+ Visa credit card6 Disclaimer
2 Free International Money Transfers per month for a year3 Disclaimer
Free Small Safe Deposit Box for 2 years4 Disclaimer
Get Started with an RBC No Limit Banking Account
To enjoy the benefits of the RBC Newcomer Advantage, start by opening one of our most popular bank accounts for newcomers.
Get $100 Cash
When you open your account by February 1, 2021 and complete the qualifying criteria by March 15, 2021.‡
- No-monthly-fee banking for a year1 Disclaimer
- Unlimited debit transactions in Canada
- Unlimited Interac e-Transfer transactions
No-monthly-fee banking offer ends October 31, 20211 Disclaimer.
Included With This Account
International Money Transfers
- 2 free per month for a year3 Disclaimer
- Offer ends March 31, 2021.
Small Safe Deposit Box
- Free for 2 years4 Disclaimer
- Offer ends December 31, 2021. Subject to availability.
Add a Credit Card—No Credit History Required2 Disclaimer

- No annual fee
- Get 2,500 welcome points upon approval7 Disclaimer
- Get an additional up to 3,500 bonus RBC Rewards points when you go digital within 60 days of card approval8 Disclaimer.
- Additional Card: $0
- Purchase Rate: 19.99%
- Cash Advance Rate: 22.99%
- Includes Purchase Security and Extended Warranty Insurance9 Disclaimer
Additional Fees
- Cash Advance: $3.50 in Canada and $5.00 outside of Canada
- Balance Transfer Promotional Rate Fee: Up to 3% of transaction amount
- Dishonoured Payment Fee: $45.00
- Overlimit Fee: $29.00 (No Overlimit Fee for residents of Quebec)
- Additional Copies: $5 for a Monthly Statement, $1.50 for Statement updates at the ATM, $2 for Transaction Receipts
2,500 welcome RBC Rewards points offer ends October 31, 2021.
Free Online Doctor Visit Through Maple^
As a newcomer, whether or not you have healthcare coverage or access to a doctor yet, you can connect to a Canadian doctor from the safety and comfort of your home. Maple’s network of Canadian licensed doctors can provide you or a family member with a medical diagnosis and treatment, prescriptions and more—24/7 by text, phone or video.
For eligible newcomer clients with a qualifying bank account or credit card^. Offer ends February 1, 2021 and must be used by April 30, 2021.
Bank How You Want, When You Want
RBC Online Banking10 Disclaimer
RBC Mobile10 Disclaimer App
The largest combined branch and ATM network across Canada
Call Us to Get the RBC Newcomer Advantage
Call 1-866-811-0596 to book an appointment to open an eligible account.
Get started by opening an RBC No Limit Banking account by phone, video conference or in branchOpens modal pop-up .
Service available in up to 200 languages
Offer is available to newcomers to Canada who are Eligible Personal Clients and do not have an existing credit card account with Royal Bank of Canada.
“Eligible Personal Client” means a client who meets all of the following conditions:
- Is a newcomer to Canada having arrived in Canada within the last 12 months of the date an Eligible Personal Banking Account is opened, and/or a newcomer who arrived in Canada within the last five years of the date an Eligible Personal Banking Account is opened when they switch an account they have with another financial institution to an Eligible Banking Account. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card;
- Is a resident of Canada and is of the age of majority in the province in which they reside as of the date that an Eligible Personal Banking Account is opened. Residence is determined by the jurisdiction (province or territory) where a person has their primary tax filing obligation based on their regular place of residence; and,
- Does not have an existing Personal Banking Account with us.
For full details, including defined terms, visit http://www.rbc.com/newcomers/_assets-custom/pdf/Terms-and-Conditions.pdf(PDF opens in new window). This offer may be withdrawn at any time and is subject to change without notice.
For the RBC Rewards+ Visa credit card offer, “Eligible Personal Client” means newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months.
Offer of one free Maple online consultation, for a maximum value of $99, with a general practitioner physician (“Offer”) is available to Newcomers who (i) have arrived in Canada within the last 5 years and show proof of date of entry into Canada with supporting documents such as landing papers or Permanent Resident Card; (ii) between October 5, 2020 – February 1, 2021 (the “Promotional Period”) have opened an RBC Royal Bank Personal Banking Account, as set out in the PDF opens in a new widowPersonal Deposit Accounts Disclosures and Agreements document (excluding RBC Royal Bank Private Banking and RBC US-dollar personal deposit accounts) or have been approved for an RBC personal credit card (excluding the RBC Avion Visa Infinite Privilege for Private Banking credit card) ; (iii) do not have an RBC Royal Bank personal banking account at the start of the Promotional Period; (iv) are of the age of majority in the province or territory in which they reside as of the date of account open during the Promotional Period; and (v) have signed up with RBC Online Banking and received the offer through the RBC Offers platform in RBC Online Banking (“Eligible Client”). Royal Bank of Canada reserves the right to determine eligibility for this Offer at its sole discretion. Eligible Clients must enter the unique promo code provided in the RBC Offers platform www.rbc.com/offers Another RBC site opens in a new window when registering for Maple using the link provided. It may take up to 45 days from the date of completion of all qualifying criteria for the Offer to be presented in RBC Offers. Offer must be used by April 30, 2021. Limit of one Offer per Eligible Client. No credit will be granted for any unused portion of the Offer amount ($99), and any such unused portion will be forfeited. Maple Corporation, not Royal Bank of Canada, is responsible for all terms and conditions related to the Maple services and the unique promo code, which are available at https://www.getmaple.ca/terms External site opens in a new window. Offer may be changed or withdrawn at any time without notice.
Offer available to Eligible Personal Clients without a Personal Banking Account with Royal Bank at the beginning of the Promotional Period or in the five year period before the start of the Promotional Period, who open their first new Eligible Personal Banking account by February 1, 2021 and who comply with all other terms and conditions. Bonus Amount is $60 with an RBC Day to Day Banking account (monthly fee of $4.00) or $100 with an RBC No Limit Banking account (monthly fee of $10.95) (each, an "Offer"). You must also complete at least two of the following Qualifying Criteria by March 15, 2021: (i) set up at least two pre-authorized payments from the Eligible Personal Banking Account; (ii) set up at least one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account; and/or (iii) set up at least two bill payments to a service provider from the Eligible Personal Banking Account. Offer will be deposited into your Eligible Personal Banking Account between 2 and 10 weeks of completing all Qualifying Criteria. Offer may not be combined with any other Personal Banking Account offers. Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit www.rbc.com/cashoffer(Another RBC site).
Offer expires October 31, 2021. Monthly fee will be waived for the first twelve months upon account opening of the RBC No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete terms and conditionsPDF opens in new window that apply to this promotional offer.
An RBC Royal Bank credit card with no credit history required is available to (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria.
Available only to newcomers (please see the newcomer eligibility requirements in above note *) who become RBC clients between April 1, 2020 and March 31, 2021 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (Eligible Personal Banking Accounts). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the day of account open, with up to 2 transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders. Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. 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. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited.
International Money Transfer transactions that are under $1,000 will be $6 per transaction. Transactions between $1,000.01 to $2,500 will be $10 per transaction. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U.S. dollar account or the RBC High Interest eSavings account.
Available only to newcomers (please see the eligibility requirements in above note *). For RBC No Limit Banking and RBC Signature No Limit Banking accounts (eligible account), up to two-year rental (offer ends December 31, 2021) of a small safe deposit box (SDB) with annual fees waived, where boxes are available. Safe deposit box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an eligible account, your fees for the box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. RBC VIP Banking account holders receive one small box free for every year they maintain the account in good standing as part of the ordinary product construct; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.
Based on market capitalization.
Up to 6,000 RBC Rewards points is a combination of 2,500 welcome RBC Rewards points exclusive to newcomers, as outlined in note 7, and the digital bonus offer of up to 3,500 RBC Rewards points set out in note 8.
Available to newcomers who are (i) permanent residents and international students who arrived in Canada within the last 12 months, and (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. To receive 2,500 welcome RBC Rewards points, your application form must be received by October 31, 2021 and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer. Offer may be amended or withdrawn at any time without notice.
To receive 3,500 RBC Rewards points on your RBC Rewards+ Visa credit card account as part of our digital bonus offer, get 500 points for completing each of the following activities within 60 days of credit card approval: (i) share your email address with us, (ii) sign up for eStatements for your card, (iii) download and sign into either the RBC Mobile app or the RBC Wallet app, and provided you bank with RBC (with an RBC Day to Day Banking, RBC No Limit Banking, RBC Private Banking, RBC Signature No Limit Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC VIP Banking, US Personal Account, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest eSavings account), (iv) make an Interac e-Transfer with the RBC Mobile app or RBC Online Banking, (v) Transfer funds with the RBC Mobile app or RBC Online Banking, (vi) deposit a cheque with the RBC Mobile app and (vii) pay a bill with the RBC Mobile app or RBC Online Banking. Additional cardholder(s), as well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer, unless otherwise indicated by us. Offer may be amended or withdrawn at any time without notice.
Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Please refer to the certificate of insurance for complete details.
RBC Canada, RBC Wallet, the RBC Rewards app and RBC Online Banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any bonus offers you fulfill using your device.
Branch Safety
For the health and safety of our communities and employees, we have introduced new safety protocols in some branches and temporarily closed others.
RBC Rewards
RBC Rewards is a loyalty program that lets you earn RBC Rewards points when you use an eligible RBC Rewards credit card. You simply pay for purchases with your card, earn points on those purchases, and then redeem your points for rewards like gift cards, travel and merchandise.11 Disclaimer
- Get 2,500 welcome RBC Rewards points12 Disclaimer which is enough to redeem for a $25 gift card from select brands like Amazon.ca, Starbucks or McCafé13 Disclaimer! Apply by October 31, 2021.
- Earn 1 RBC Rewards point for every $1 spent on gas, grocery and drug store purchases with your credit card11 Disclaimer
- Earn 1 RBC Rewards point for every $2 you spend with your credit card on all other purchases11 Disclaimer
- Link your card with a Petro-Points card and instantly save 3¢/L on fuel14 Disclaimer and earn 20% more Petro-Points14 Disclaimer and 20% more RBC Rewards points15 Disclaimer when you pay with your credit card at a Petro-Canada location
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You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa’s “Merchant Category Code” (MCC) as: (i) “service stations” (MCC 5541) or “automated fuel dispensers” (MCC5542) are “Gas Purchases”; (ii) “grocery stores” (MCC 5411) are “Grocery Purchases”; and (iii) “drug stores & pharmacies” (MCC 5912) are “Drug Store Purchases” (“Eligible MCCs”). Even though some merchants may sell gas, grocery, and drug store merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. See sample list of eligible merchantsPDF opens in new window. RBC Rewards points are earned on net purchases only; they are not earned on cash advances (balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
To receive the 2,500 bonus RBC Rewards points, your application form must be received by October 31, 2021 and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards+ Visa card cardholders as of the offer eligibility period, are not eligible for this offer. Offer may be amended or withdrawn at any time without notice.
RBC Rewards+ Visa cardholders get our most popular $25 gift cards for 2,500 points. All rewards are subject to availability. The regular redemption rate for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards points for a $25 gift card for Amazon.ca, iTunes, Starbucks, McCafe and Cineplex. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit www.rbcrewards.comexternal site opens in a new window or call 1-800-769-2512. Please note that the redemption rate for gift cards not listed above, including Petro-Canada gift cards, is 3500 RBC Rewards points.
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) (“Eligible RBC Card”). You must be enrolled in RBC Online Banking in order to link your Eligible 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. 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. Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditionsexternal site opens in a new window
Each time you use your linked Eligible RBC Card that earns RBC Rewards points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your RBC Rewards account.
Get Up to 3,500 Bonus RBC Rewards Points
Get 500 points for each of these actions if completed within 60 days of your credit card approval16 Disclaimer:
- Share your email address with us
- Sign up for eStatements for your card
- Download and sign into either the RBC Mobile app17 Disclaimer or the RBC Wallet17 Disclaimer app
And if you bank with RBC18 Disclaimer:
- Make an Interac e-Transfer19 Disclaimer with the RBC Mobile app or RBC Online Banking17 Disclaimer
- Transfer funds with the RBC Mobile app or RBC Online Banking
- Deposit a cheque20 Disclaimer with the RBC Mobile app
- Pay a bill with the RBC Mobile app or RBC Online Banking
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Limited time offer must be fulfilled within 60 days from date of credit card approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points (“Bonus Points”) for each listed offer (each a “Bonus Offer”) up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking by visiting a branch or calling 1-800-769-2512.
RBC Canada, RBC Wallet, the RBC Rewards app and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.
To bank with RBC means you must hold any of the following RBC bank accounts (Eligible Accounts): RBC Day to Day Banking, RBC No Limit Banking, RBC Private Banking, RBC Signature No Limit Banking, RBC Student Banking, RBC No Limit Banking for Students, RBC VIP Banking, US Personal Account, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest eSavings. If you do not have an Eligible Account you may open one by visiting a branch.
Interac e-Transfer transactions are free for all RBC personal chequing accounts. US Dollar accounts are not eligible. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account (see note 3).
Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies.