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“Up to $330 in value” represents the combined total value of the following promotional offers: (a) $100 when you open an Advantage Banking for students account by October 31, 2024 (footnote 2), plus (b) $80 worth of gift cards/certificates when you open an RBC ION+ Visa credit card account by November 4, 2024 (footnote 11), and (c) $150 when you are enrolled in an Undergraduate or General Program of study and you open a Royal Credit Line for Students (footnote 17), each in accordance with their respective terms and conditions set out below.

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“Up to $230 in value” is a combined total of (a) $80 worth of gift cards/certificates when you open an RBC ION+ Visa credit card account by November 4, 2024 (footnote 11), and (b) $150 when you are enrolled in an Undergraduate or General Program of study and you open a Royal Credit Line for Students (footnote 17), each in accordance with their respective terms and conditions set out below.

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1.

Students who are 14+ in Quebec and 13+ in all other provinces and territories.

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2.

Offer available July 1, 2024 – October 31, 2024 (“Promotional Period”)

This Promotional offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.

To qualify for the $100, you must open your first new Eligible Personal Banking Account by 9:00 PM EST on October 31, 2024, and complete one of the following Qualifying Criteria by 9:00 PM EST on December 27, 2024 using your Eligible Personal Banking Account:

NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay. Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions

NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) of this section is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.

The $100 cash component of the Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.

This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/studentterms (opens in new window).

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3.

Age of majority as dictated by the provinces and territories in Canada. The age of majority is 18+ in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, and Saskatchewan. The age of majority is 19+ in British Columbia, Nova Scotia, New Brunswick, Newfoundland and Labrador, and Northwest Territories.

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4.

RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “(pdf opens in a new window)Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document. You must advise us of your student status at the time of account opening an RBC Advantage Banking for students account and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.

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To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.

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6.

Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. There is a limit of 999 free Interac e-Transfer Transactions per Month per Account. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.

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7.

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 $5.00 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.

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8.

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.

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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.

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Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. You must request a Virtual Visa Debit card.

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11.

This offer only applies to new applications for an RBC ION + Visa credit card received between May 28, 2024 and November 4, 2024 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer.

12,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512

To get $80 worth of gift cards/certificates, you will need a total of 11,200 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.

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You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make with your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

i. “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;

ii. “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.

iii. “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make with your RBC ION+ Visa credit card.

Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions 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 Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion 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.

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13.

Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+™ Visa^‡ credit card ( “Eligible Credit Card”), the $4 monthly fee (charged over 12 months and equating to a $48 annual fee) will be fully rebated, every month. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

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For the $4 monthly fee of your Eligible Credit Card to be fully rebated, every month, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The monthly fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the monthly fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the monthly fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card monthly fee rebate per Eligible Student Bank Account is allowed, which means that if you own a joint Eligible Student Bank Account and each co-owner is also the primary cardholder of an Eligible Credit Card, only the primary owner of the Eligible Student Bank Account will be eligible for the credit card monthly fee rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

Legal Disclaimer

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Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (“Eligible Student Bank Account”) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an “Eligible Credit Card”), the annual fee of your Eligible Credit Card may be fully rebated, every year:

Eligible Credit Cards and Annual Fee Rebate Table

Eligible Credit Cards and Annual Fee Rebate Table

Eligible Credit Cards	Annual Fee Rebate
RBC ION+ Visa	$4 a month ($48 annually)
WestJet RBC MasterCard	$39
Signature RBC Rewards Visa	$39
Visa Cash Back Card	$19

For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

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21.99% if you reside in Quebec.

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Royal Credit Line for Students Promotional Offer Terms & Conditions

This Royal Credit Line for Students Promotional Offer (the “Promotional Offer”) is available June 3, 2024 to October 31, 2024 (the “Promotional Period”).

The Promotional Offer is available to eligible students who, as of the start of the Promotional Period, do not have a Royal Credit Line with Royal Bank of Canada and who otherwise comply with the terms and conditions (the “Terms”) provided herein.

The Promotional Offer is: $150 for an eligible individual enrolled in a General Program, or in a Professional Program (as defined below).

“General Program” means all undergraduate and graduate programs, such as a master’s degree or Doctor of Philosophy degree (PhD), excluding Professional Programs. “Professional Program” means professional graduate or specialized health science programs. For additional details, visit Student Line of Credit – Professional Studies Benefits - RBC Royal Bank. Individuals enrolled in Medical or Dental programs of study, whether in or outside of Canada, are ineligible for this Promotional Offer. Additional conditions apply. Please speak with an RBC Credit Advisor to confirm your eligibility for this Promotional Offer and whether your program of study meets the criteria of a General Program or Professional Program, as applicable.

To qualify to receive the applicable benefit of this Promotional Offer:

Note: as part of your Student RCL application, you must provide proof of your enrolment in an eligible General Program, or Professional Program, as applicable.

In addition to any other exclusions described in these Terms, this Promotional Offer is not available in respect of (i) Credit Limit Increases on existing Student RCLs; (ii) Student RCLs that were opened prior to the Promotional Period; (iii) Student RCLs held by individuals who have already completed their studies (as applicable), even if their Student RCL remains open during or after the Promotional Period; (iv) Student RCLs held or opened by individuals enrolled in programs of study other than an eligible general or professional programs (as described above).

Primary applicants only (the student is eligible if there is a co-signor on the account).

If you qualify to receive the benefit of this Promotional Offer, the amount you qualify to receive, as applicable, will be deposited into your eligible RBC Canadian dollar Personal Banking Account within twelve (12) weeks of your Student RCL activation date (no action required from you). In order to receive the amount for which you have qualified, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of this Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.

Only one Promotional Offer payment per client per activated Student RCL. Promotional Offer and Student RCL applications are subject to Royal Bank of Canada’s standard lending criteria and other applicable restrictions.

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To be considered an eligible student for the purposes of one of the Royal Credit Line for Students promotional offers , you must be enrolled in an eligible program of study at the post-secondary level at a college, university, or other educational institution, as more particularly described in the terms and conditions for the relevant promotional offer. Proof of enrollment may be required. See also notes 17 and 19 for additional details regarding promotional offer eligibility based on programs of study.

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Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.

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20.

“RBC Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. The discounted rate is subject to change at any time without notice. On June 6, 2024, the Royal Bank Prime Rate was 6.950%.

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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

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22.

Offer available May 1, 2024 to July 31, 2024 (the “Promotional Period”). This offer is available to any Eligible Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or within the last 3 years before the start of the promotional period. The Bonus Offer is $25 with an RBC Leo’s Young Savers Account®. This account type is intended for clients age 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account. To receive the $25 Bonus Offer, you must open your new Eligible Personal Banking Account by 11:59 PM ET on July 31, 2024. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw or modify this offer at any time without notice, even after acceptance by you.
For full legal terms click here: rbc.com/leo25.

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When you enroll your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion 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. Avion points are governed by the Avion Rewards Terms and Conditions (opens in new window) 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.

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24.

We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.

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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.

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Subject to credit approval. Overdraft Interest applies if used.

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The minimum payment is the accrued interest and, only if applicable, may include service fees that apply for that period as well as your LoanProtector® insurance premium and taxes.

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®/™

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

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All other trademarks are the property of their respective owner(s).