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Call Us to Get the RBC Newcomer Advantage^Disclaimer

As one of Canada’s largest banks—with over 150 years serving newcomers—we have learned what you need when you first arrive in Canada. With the RBC Newcomer Advantage^Disclaimer you can get what you need for a strong financial start in Canada.

Up to a $15,000 credit limit on an eligible RBC credit card*Disclaimer

No-Monthly-Fee Banking for a year with an eligible account2Disclaimer

2 Free International Money Transfers per month for a year4Disclaimer

Free Small Safe Deposit Box for 2 years5Disclaimer

1 Free Online Doctor Visit (up to $99 value) through Maple, with a qualifying credit card3Disclaimer

Get Started With an RBC Advantage Banking Account

  • No-monthly-fee banking for a year2Disclaimer
  • Unlimited debit transactions in Canada
  • Free Interac e-Transfer transactions6Disclaimer , 7Disclaimer
  • No RBC fee to use another bank’s ATM in Canada8Disclaimer , 9Disclaimer
  • 1 book of 50 cheques free10Disclaimer
  • Enjoy the Value Program at no additional cost: Shop online and in-store with your enrolled account to earn points on debit.12Disclaimer

Included With This Account

International Money Transfers

  • 2 free per month for a year4Disclaimer
  • Offer ends October 31, 2022.

Small Safe Deposit Box

  • Free for 2 years5Disclaimer
  • Offer ends December 31, 2021. Subject to availability.

Add a Credit Card – No Credit History Required1Disclaimer

RBC Rewards+ Visa credit card
  • Up to $15,000 credit limit*Disclaimer
    No credit history required for RBC personal banking clients1Disclaimer. Higher credit limits are subject to higher income and asset requirements.
  • No annual fee
  • Get 2,500 welcome points upon approval14Disclaimer
  • Get an additional bonus of up to 3,500 RBC Rewards points when you go digital within 60 days of card approval15Disclaimer.

  • Additional Card: $0
  • Purchase Rate: 19.99%
  • Cash Advance Rate: 22.99% (21.99% if you reside in Quebec)29Disclaimer
  • Includes Purchase Security and Extended Warranty Insurance16Disclaimer

Additional Fees

  • Cash Advance: $5.00
  • 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
  • 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 (no fee in Quebec).

2,500 welcome RBC Rewards points offer ends October 31, 2021.

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

Maple doctor requesting a video chat on a mobile phone

Free Online Doctor Visit Through Maple3Disclaimer

As an eligible RBC 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.

Eligible newcomer clients who pay with a qualifying credit card will receive a rebate of up to $99 for their Maple visit with a General Practitioner3Disclaimer. Offer ends October 31, 2021 and must be used by February 28, 2022.

Bank How You Want, When You Want

RBC Online Banking17Disclaimer

RBC Mobile17Disclaimer

Send money or pay a bill with Siri.

The largest combined branch and ATM network across Canada

Call Us to Get the RBC Newcomer Advantage

Call 1-866-756-1106 to book an appointment.

Call 1-866-756-1106 to book an appointment.

Get started by opening an RBC Advantage Banking account by phone, video conference or in branchOpens modal pop-up .

Service available in up to 200 languages

See Our Offers for International Students