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Call the Shots, Let Us Invest for You or Work with an Advisor

Choose one, two or all three services—whatever’s right for you.

Self-Directed Trading and Investing

Call the Shots on Your Investments

Take control of your investments and get the tools and research you need to feel equipped and empowered.

  • Buy and sell stocks, exchange-traded funds (ETFs) and more
  • Hold your investments in a wide range of under this offer
  • Trade and invest on three platforms, including the RBC Mobile2 app
$0
  • Commission-free trading on select ETFs including Crypto ETFs3
  • Commission-free mutual funds4
  • No account maintenance fees
Open an Account RBC Direct Investing

Low-Effort Online Investing with Support

Invest Online in Managed ETF Portfolios5

Save time and invest for your future with a diversified portfolio and a team to manage it and support you.

  • Get a professionally-built portfolio of ETFs that we manage for you, all for a low cost6
  • Hold your portfolio in a range of under this offer
  • Talk to a Portfolio Advisor if you have questions about your investments or the markets
Open an Account RBC InvestEase

Advice How and When You Want It

Get Personalized Advice from an Advisor

Put your money to work with access to advice7 to help reach your goals.

  • Hold guaranteed investment certificates (GICs), mutual funds8 and savings deposits in a range of under this offer
  • Create a savings plan and get help choosing investments
  • Meet in person, by phone or over video chat9
Open an Account RBC Royal Bank/Royal Mutual Funds Inc.
MacBook
iPad

Help Reach Your Goals and Upgrade Your iPad? Win-Win.

Here’s how to get this exclusive offer1—and save for your first home, retirement and more:

iPad
Step 1

Open an eligible RBC bank account1 and complete all required activities1 by November 3, 2025 to qualify for iPad A16.

Step 2

Transfer $50,000+ (CAD) to one or more eligible investment account(s)1 within 90 days of opening your eligible bank account to upgrade iPad A16 to iPad Pro M4 or MacBook Air M4.

Did you know? You may also qualify for up to $500 transfer fee reimbursement. See Details.

Step 3

Keep an eye on your inbox for an email with details on how to choose your device (iPad Pro M4 or MacBook Air M4).

Maintain at least $50,000 of your deposit in your eligible investment account(s) for at least one year.

Your eligible personal bank account must also remain open and in good standing, and the qualifying activities you performed (for example, setting up payroll/pension deposit or pre-authorized payments) must remain in effect until at least November 3, 2026.

Frequently Asked Questions

This offer is only available to individuals who open an eligible RBC personal bank account and complete all qualifying activities to receive the “Personal Banking Reward” under the Summer 2025 iPad Offer: Apple 11-inch iPad Wi-Fi 128GB, Model # MD3Y4CL/A (Silver); MD4A4CL/A (Blue); MD4D4CL/A (Yellow); MD4E4CL/A (Pink). 1

Please see the offer terms and conditions for full details.

Yes, you may qualify for the offer by depositing or transferring $50,000 or more into multiple , as long as the total equals $50,000 (CAD) across all the investment accounts and you meet all of the other qualifying conditions of the offer. 1

Eligible accounts can be held at just one or across all the following investment services: RBC Direct Investing, RBC InvestEase, Royal Mutual Funds Inc. and RBC Royal Bank.

Please see the offer terms and conditions for full details.

You will be reimbursed up to $200 in transfer fees when you transfer $15,000 or more to RBC Direct Investing or RBC InvestEase.10 (Royal Circle and Royal Distinction members at RBC Direct Investing will be reimbursed up to $500 in transfer fees.11)

To select and receive your upgraded device, you must satisfy all conditions for the offer1 and have a valid deliverable email address associated with your RBC client profile by November 3, 2025.

After completing all qualifying criteria, you will receive an email at your email address on file letting you know if you have qualified for the upgrade. If you have qualified, the email will contain a secure link to a secure online store where you can select your device and confirm your shipping details. You have until March 13, 2026 to use the secure link provided in this email to select your device.

Please see the offer terms and conditions for full details.

RBC Direct Investing Inc. (RBC Direct Investing), RBC InvestEase Inc. (RBC InvestEase), Royal Mutual Funds Inc. (RMFI) and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing, RBC InvestEase and RMFI are wholly owned subsidiaries of Royal Bank of Canada. Products and services may be offered by one or more separate corporate entities that are affiliated to Royal Bank of Canada, including without limitation: RBC Direct Investing, RBC InvestEase, RMFI, RBC Dominion Securities, RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company.

RBC Direct Investing Inc. is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. . RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. ® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Used under licence.

RBC InvestEase Inc. is registered as a restricted portfolio manager in all provinces and territories in Canada, and provides access to model portfolios consisting of RBC iShares ETFs. Each model portfolio holds up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs. RBC InvestEase Inc. uses the business name RBC InvestEase.

Investment advice is provided, and Mutual Funds are sold, by RMFI. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the Fund Facts/prospectus before investing. Mutual fund securities are not insured by the Canada Deposit Insurance Corporation. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. RMFI is licensed as a financial services firm in the province of Quebec.
® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

To take advantage of this offer, you must be a resident of Canada and age of majority by November 3, 2025 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 July 3, 2025, 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 11-inch iPad Wi-Fi 128GB, Model # MD3Y4CL/A (Silver); MD4A4CL/A (Blue); MD4D4CL/A (Yellow); MD4E4CL/A (Pink) Terms and Conditions, when you open your first new Eligible Personal Banking Account of either an RBC Signature No Limit Banking® account (monthly fee of $16.95) or RBC VIP Banking® account (monthly fee of $30) by 9PM EST November 3, 2025 and complete two of the following ”Personal Banking Qualifying Criteria” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account:

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.

Provided you fulfill the “Personal Banking Qualifying Criteria” and the “Investments Qualifying Criteria” below ” by 9PM EST time by the 90th day after opening the Eligible Personal Banking Account, you may elect to receive one of the following (Apple 13-inch MacBook Air: M4 chipwith 10-core CPU and 8-core GPU, 16GB, 256GB SSD, Model # MC6T4C/A (Bleu ciel, Français); MC6T4LL/A (Sky Blue); MW0W3C/A (Argent, Français); MW0W3LL/A (Silver); MW0Y3C/A (Comète, Français); MW0Y3LL/A (Starlight); MW123C/A (Minuit, Français); MW123LL/A (Midnight) Or; (Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass, Model # MVV83CL/A (Space Black); MVV93CL/A (Silver):

  • a) Be the primary account holder of an Eligible Investments Account after opening the Eligible Personal Banking Account;
  • b) Transfer-in or deposit Qualifying Net Contributions of at least C$50,000 into any Eligible Investments Account, or collectively into any combination of Eligible Investments Accounts
  • c) Maintain the minimum Qualifying Net Contributions required under the Investments Promotional Offer until 365 days after completing the Investments Qualifying Criteria
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
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
The commission fee detailed in the Commission and Fee Schedule as applicable to Stocks and ETFs will be waived for ETFs listed as eligible for commission free trading at the time an order is placed. The list of ETFs eligible for commission-free trading is not guaranteed and may change from time to time. The standard commission fee may be applied to ETFs not listed as eligible for commission-free trading at the time an order is placed. The inclusion or exclusion of any ETF under commission-free trading does not constitute a recommendation by RBC Direct Investing to purchase or sell such securities. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions.
Mutual fund companies may assess additional fees — for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and fees for insufficient funds for pre-authorized purchases.
All portfolios have been developed by RBC InvestEase Inc. ("RBC InvestEase") in conjunction with RBC Global Asset Management Inc., an affiliate of RBC InvestEase. The portfolios include RBC iShares ETFs, which are managed by BlackRock Asset Management Canada Limited. RBC Global Asset Management Inc. and BlackRock Asset Management Canada Limited have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares ETF brand, and to offer a unified distribution support and service model for RBC iShares ETFs. As such, the RBC iShares ETFs are related or connected issuers of RBC InvestEase.
The annual investment management fee is 0.50% + applicable sales taxes (billed monthly, based on average Assets Under Management).
Investment advice is provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.
Mutual Funds are sold by Royal Mutual Funds Inc. (RMFI). There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the Fund Facts/prospectus before investing. Mutual fund securities are not insured by the Canada Deposit Insurance Corporation. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. RMFI is licensed as a financial services firm in the province of Quebec.
Available with MyAdvisor.
Up to C$200 in transfer fees will be covered when you transfer C$15,000 or more to RBC Direct Investing from an investment account held at a financial institution that is not affiliated with RBC. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement. To be eligible for reimbursement at RBC InvestEase, clients must provide proof of transfer fee payment by e-mailing RBC InvestEase at questions@rbcinvestease.com within three months of transfer. For more details, please call 1-800-769-2560 to speak with an RBC Direct Investing representative or call 1-800-769-2531 to speak with an RBC InvestEase Portfolio Advisor.
For Royal Circle and Royal Distinction members, up to C$500 in transfer fees will be covered when you transfer C$15,000 or more to RBC Direct Investing from an investment account held with a financial institution that is not affiliated with RBC. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement.
Assets in a TFSA must be Qualified Investments under the Income Tax Act. If the TFSA holds non-Qualified Investments, it could be subject to tax.
You may be eligible to open an FHSA if you or your spouse have never owned a home in which you lived at any time during the part of the calendar year before the account is opened or at any time in the preceding four calendar years.
Assets in an FHSA must be Qualified Investments under the Income Tax Act. If the FHSA holds non-Qualified Investments, it could be subject to tax.
Not all clients may be eligible to work with an accredited financial planner. Eligibility may depend on a number of factors including, but not limited to: type and amount of investments, client’s investment and financial goals, availability and capacity of accredited financial planners.