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Settle in Faster with Advice from an RBC Advisor

Many RBC Advisors were once newcomers and have been through the newcomer journey themselves. We’re here to provide the advice, support, and community connection you need for your new beginning in Canada.

  • Unbiased advice that goes beyond banking, based on advisors’ own experiences settling into Canada

  • Introductions to community partners that could help you with housing, career, childcare, and mentorship services

  • Convenient consultations tailored to your schedule, either virtually or in person, to accommodate your needs

  • Personalized support in your preferred language

What’s Included in the RBC Newcomer Advantage


No-Monthly-Fee Banking for a year7 with an eligible chequing account 


You can get up to a $15,000 credit card limit9—no credit history required 


$0 Transfer Fees18 for International Money Transfers. Send money to almost any country in the world, including India, China, and the Philippines


Free Small Safety Deposit Box for 2 Years92


No RBC fee to use another bank’s ATM in Canada61 67


Specialized advice for newcomers from RBC Advisors


Get up to 12% cash back on a new RBC Cash Back Mastercard for the first 3 months. Offer ends July 19, 2024.

Our Featured Chequing Account for Newcomers

Explore RBC Advantage Banking

Designed for newcomers, an RBC Advantage Banking Account is loaded with great features and benefits.

  • $0 monthly fee for one year for newcomers7

  • Monthly fee $11.95 after one year

  • Unlimited debit transactions in Canada 

  • Free Interac e-Transfer transactions61 65 

  • $0 Transfer Fees18 for International Money Transfers. Send money to almost any country in the world, including India, China, and the Philippines

  • Enrol your account in the Value Program, then shop online and in-store with your enrolled account to earn

    points on debit.10

  • Free small safe deposit box for 2 years92 

Add a Credit Card with up to a $15,000 Limit9

It’s easy to apply for your first Canadian credit card. No credit history required for RBC personal banking clients. Here are a few of our most popular cards. We can help you choose one when you call or visit a branch. 

Plus Perks to Help You Get Settled 

$0 Transfer Fees18 for International Money Transfers

  • Send money any time, day or night

  • Send to over 120 countries

  • Easy and secure transfers through RBC Online Banking or the RBC Mobile25 app.

Free Small Safe Deposit Box for 2 Years92

  • Protect your valuable documents and small items

  • Securely stored inside the vault at your local RBC Royal Bank branch

  • Access your items any time during branch hours

Offer ends June 30, 2024

Common Next Steps for Newcomers


Buying Your First Car in Canada

No credit history required4 with flexible repayment options and financing terms.

Discover Car Loan Options


Buying Your First Home in Canada

Get an RBC mortgage with no credit history required5, plus, get advice and tools to help you plan and buy. 

Learn More About RBC Mortgages


Saving for Your Future in Canada

With RBC you can invest in Canada’s popular investment plans to help you save, grow and protect your money16.

Learn More About RBC Investing


Business Owners/Entrepreneurs

When you’re starting a business in Canada, getting the right financial advice can make all the difference to your success. 

Products & Services for Businesses

Special Savings and Services Beyond Banking

We’ve partnered with many brands and agencies to bring newcomer savings and services. It’s one way we’re helping to make your transition to Canada a little easier. 

See Partner Offers

Get a Canada eSIM/SIM, plus a phone plan deal


Savings on gas with Petro Canada

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Free Employment Webinars with Acces

Build your professional network with TRIEC

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Free information / resources for your newcomer journey

Ready to Get the Newcomer Advantage?

How Can We Help You?

We offer a few ways to talk to an advisor. Choose whichever option is best for you.


Call to book an appointment or open a bank account over the phone or by video conference

  • Call Toll-Free 1-866-756-1107

  • Call Toll-Free 1-866-756-1107


  • Call collect: 1-506-864-2275

  • Call collect: 1-506-864-2275