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Settle in Faster with 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.

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
  • Pay no fees to send an unlimited number of International Money Transfers4Disclaimer Send money to almost any country in the world, including, India, China, and the Philippines13.
  • Enjoy the Value Program at no additional cost: Shop online and in-store with your enrolled account to earn points on debit.12Disclaimer
  • Free Small Safe Deposit Box for 1 year5Disclaimer. Offer ends October 31, 2024. Subject to availability.

Ask about our other bank accounts when you talk to an RBC Advisor

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 10% bonus cash back for the first 3 months (up to a maximum spend of $2,000) with a new RBC Cash Back Mastercard. 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. Offer ends July 19, 2024.

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


  • Cash Advance Fee: $5.00
  • 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 purchases29Disclaimer
  • Up to 1% cash back on all other qualifying purchases and pre-authorized payments29Disclaimer

No limit to what you can get back

That’s right – get unlimited cashback30Disclaimer. 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 faster31Disclaimer.

Talk to an advisor at an RBC branch about this offer or other eligible credit cards that are suited for you.

Bank How You Want, When You Want

RBC Online Banking17Disclaimer

RBC Mobile17Disclaimer

The largest combined branch and ATM network across Canada

Get the RBC Newcomer Advantage

Start by Opening an RBC Advantage Banking Account

Service available in up to 200 languages.

Start Opening an Account

See Our Offers for International Students

Book a virtual appointment with an advisor 1-888-404-5143