Introducing RBC VantageTM
Unlock More from Your Everyday Banking
With RBC Vantage, your bank account unlocks more savings and rewards than ever before.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 5 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 6
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 7
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 8 learn your spending patterns to find your extra dollars and move them to a savings account for you.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 5 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 6
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 7
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 8 learn your spending patterns to find your extra dollars and move them to a savings account for you.
CHOOSE FROM TWO RBC ACCOUNTS AND SELECT YOUR IPAD COLOUR22
How to Get Started

Open an eligible RBC bank account1 by September 30, 2022. Don’t forget to enrol your new account in the Value Program™ to earn RBC Rewards points on debit purchases2 and save on monthly account fees12.
Get Started
Set up and complete two of the following by January 6, 2023:
- Your payroll as a direct deposit
- Two pre-authorized monthly payments (PAPs)
- Two eligible bill payments to a service provider

We’ll send you an email shortly after you qualify with instructions on how to order your 10.2” iPad Wi-Fi 64GB (9th Generation).
Learn More
2 Great Accounts to Choose From
RBC Signature No Limit Banking
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Tap, click and swipe without extra fees—Unlimited debit transactions in Canada
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Get a credit card for less—Up to $39 rebate on the annual fee of an eligible credit card9
- No minimum balance (even to get rebates)
RBC VIP Banking
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Tap, click and swipe without extra fees
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Unlimited debit transactions worldwide17 and FREE Interac‡ e-Transfer transactions10,11
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Get a premium credit card for less—Up to $120 rebate on the annual fee of an eligible credit card18
- RBC Direct Investing maintenance fees waived13
- Extra accounts included—up to 2 Canadian and 1 U.S. dollar14
Top Frequently Asked Questions
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
Earn RBC Rewards points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account.legal bug 2
Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each monthlegal bug 3
Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC cardlegal bug 4
Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands.legal bug 7
Your Apple device will be shipped to the Canadian mailing address you provided when placing the order for your device (we will not ship to any post office box number). After your order has been shipped, you will receive an email with a tracking number from the courier shipping the item. You can use the tracking number to get updates on your shipments on the courier’s website. If you are not home at the time of delivery, the delivery company will leave a tag, which you can use to pick up the package at a specified depot.
Please go to www.rbc.com/ipadoffer.
If you are opening a new account, you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.
If you already have an eligible bank account, an RBC advisor can enrol your account in the Value Program for you. Please book an appointment call 1-800-769-2511 or visit a branch.
Need Some Additional Help?
Need Some Additional Help?
To take advantage of this offer, you must be a resident of Canada and age of majority by September 30, 2022 and you must not have an existing Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries at the beginning of the “Promotional Period” on June 1, 2022, or in the prior five year period, and otherwise comply with the terms of the offer. You will be eligible to receive a complimentary Apple iPad (Apple 9th Generation Wi-Fi iPad 64GB, Model # MK2K3VC/A (Space Grey) or MK2L3VC/A (Silver)), when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $15.95; changing to $16.95 effective August 1, 2022) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST September 30, 2022 and complete two of the following ”Qualifying Criteria” by 9PM EST January 6, 2023: set up two pre-authorized payments from the Eligible Personal Banking Account; and/or one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account, and/or two eligible bill payments to a service provider from the Eligible Personal Banking Account. RBC has the right to determine what is considered payroll. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Other conditions apply. For full details including defined terms visit www.rbc.com/ipadoffer
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn RBC Rewards points within the RBC Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the RBC Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. RBC Rewards points are governed by the RBC Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. For complete details, please see the
Value Program Terms & Conditions.
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) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your 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. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
The RBC Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an RBC Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific RBC Offer for more details.
The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or a bill payment made at minimum once per month. Conditions apply.
Contact RBC Direct Investing for details.
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S. dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
ATM - RBC ATM Access fees waived An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of account they hold. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.
On operating account only. $1 per cross border debit transaction on companion accounts. Not available on U.S. Personal Account. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Interac Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: (i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
With an RBC VIP Banking Client Card.
iPad colours are subject to availability.
If you received the Reward and then downgraded, changed or closed your Eligible Personal Banking Account or undid any of the Qualifying Criteria you performed to get the Reward, such as cancelled any payroll/pension deposit, pre-authorized payment, at any time before October 31, 2023, we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with RBC for the value of the Reward you selected, plus applicable taxes, even if this places you into overdraft. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we will send you an invoice for the value of the Reward you selected, as described in the table below plus applicable taxes, which invoice you agree to pay within 30 days of its postmark date.
Where can I find the full terms and conditions for this offer?
Please go to www.rbc.com/ipadoffer.
How do I qualify for the Apple offer?
You can qualify for the offer by:
- opening a new RBC Signature No Limit Banking account or RBC VIP Banking account, as a primary owner between June 1, 2022 and the end date of the campaign
- completing two of the three of the Qualifying Criteria from your new account by January 6, 2023 at 9:00PM EST, which are:
- 1 automated and recurring payroll or pension direct deposit or,
- Set up and complete 2 pre-authorized monthly payments, or
- Set up and clear 2 eligible bill payments to a service provider (i.e. utility bill, cable, etc.)
- NOTE: Qualifying Criteria you performed to get the iPad Reward (such as recurring payroll/pension deposit, bill payment or pre-authorized monthly payment) must remain in effect until after October 31, 202323
- Once you qualify, to order your iPad you must have a valid deliverable email address where you will receive a message containing a secure link that will permit you to visit a secure online store where you can select your iPad and confirm an address for delivery, as well as any other shipping details
The offer is available to Canadian residents who:
- have never had a Personal Banking Account (chequing account) with RBC nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period.
-
have attained the age of majority as defined in their province of residence prior to September 30, 2022.
NOTE: If you are not age of majority when you open your new account but will turn the age of majority before September 30, 2022, once you complete the criteria, you will receive the link to order your iPad after your birthday.
See the full Terms and Conditions for details.
If I opened a joint account with my partner then do we each receive the iPad reward?
Only the primary account holder who is not an existing owner of a personal banking account is eligible for the offer. The primary account holder must not have previously been a joint account holder within the past 5 years.
Can I still qualify if I don’t use an automated recurring payroll direct deposit?
Yes, as long as you set up and complete two (2) Pre-Authorized Monthly Payments and have paid 2 bills and both payments are debited from the new eligible account by January 6, 2023.
What types of payments count as Pre-Authorized Payments and meet with the offer requirements?
If you choose to qualify for this offer with the two (2) pre-authorized monthly payments (PAPs) option the payments must be withdrawn from your new eligible account by January 6, 2023. You can set up the two (2) pre-authorized monthly payments from two (2) different companies or if you set them up with the same company, the 2 pre-authorized payments must be for different account numbers. Pre-authorized monthly payments include, but are not limited to, utility bill payments (hydro, water, cable, phone, internet), pre-authorized contributions to your investments and gym membership payments.
When will I receive the iPad reward if I qualify?
Shortly after July 11, 2022 or after you complete the Qualifying Criteria (whichever is later), you will receive an email from RBC to the email address you have provided to us on account opening with a link to a secure website where you can select your device and confirm your shipment details. When selecting your device, the website will provide you with an estimated delivery time which will vary based on your selection.
How will my Apple device be delivered?
Your Apple device will be shipped to the Canadian mailing address you provided when placing the order for your device (we will not ship to any post office box number). After your order has been shipped, you will receive an email with a tracking number from the courier shipping the item. You can use the tracking number to get updates on your shipments on the courier’s website.
Can I exchange my Apple device for another product?
No, you will receive the Apple device you selected.
What Apple device models are included as part of this offer?
You will be able to select the 10.2” iPad (Wi-Fi) in your choice of Silver or Space Grey colour. Colours are subject to availability.
If I open more than one banking account, can I get more than one Apple device?
No. The Apple offer is limited to one reward per customer during the Promotional Period.
The Apple device offer is only available for new personal banking clients who open an RBC Signature No Limit Banking account or RBC VIP Banking account during the Promotional Period and complete the Qualifying Criteria.
No. This offer is only for clients who have never had a Personal Banking Account nor qualified for any of our offers related to opening a Personal Banking Account at any time during the Promotional Period or in the five year period before the start of the Promotional Period. Account upgrades do not qualify for the Apple offer.
What if I have questions about the iPad?
If you have any questions about your iPad or for technical support, visit https://www.apple.com/ca/
I did not receive the iPad reward. What could be the reason?
You may not have received the iPad reward due to one of the following:
- If the qualifying criteria was not completed by January 6, 2023.
- Your new eligible account was downgraded or closed prior to January 6, 2023 .
- The recurring payroll, 2 bill payments or two (2) pre-authorized monthly payments were not recognized by RBC Royal Bank
I believe I qualified but I did not receive the iPad reward. What do I do?
Please contact your branch or our Advice Centre on 1-800-769-2511 no later than January 24, 2023 if you have not received your iPad Reward. Any notice received after this date, will not be accepted and you will be deemed not to have qualified for this Promotional Offer.
How long does my account and qualifying criteria have to remain open?
Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to get the iPad Reward (such as payroll/pension deposit, bill payment or pre-authorized payment) must remain in effect until after October 31, 2023.
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
- Earn RBC Rewards points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account.legal bug 2
- Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each monthlegal bug 3
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBClegal bug 4
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands.legal bug 7
How do I enrol an eligible bank account in the Value Program?
If you are opening a new account, you can enrol it in the Value Program at the same time you open the account. If you open an account online, simply enrol in the Value Program when you are invited to do so.
If you already have an eligible bank account, an RBC advisor can enrol your account in the Value Program for you. Please book an appointment call 1-800-769-2511 or visit a branch.