Skip to main content
Royal Bank of Canada logo
Royal Bank
Royal Bank of Canada logo
Royal Bank
Print
Skip to main content
Royal Bank of Canada logo
Royal Bank
Back to Online Banking
Sign Out
Royal Bank of Canada logo
Royal Bank
Online Banking SIGN OUT

Royal Bank of Canada
Summer 2026 Existing Clients MacBook/ iPad Offer
Terms and Conditions

DEFINITIONS

“Contribution Deadline” means the date of November 30, 2026, at 9:00 PM Eastern Time, by which the Eligible Personal Client can make Qualifying Net Contributions to qualify for the offer.

“Deposit Account” means a Personal Banking Account or Savings Account you have opened with us in sole or joint ownership.

“Eligible Personal Client”means a client who meets all the following criteria:

  • Is a resident of Canada, and by November 30, 2026, is of the age of majority in the province or territory in which they reside. Residence is determined by the jurisdiction (province or territory) where a client has their primary tax filing obligation based on their regular place of residence.
  • Has received the Existing Clients Offer by email directly from the Bank and/or is informed electronically by the Bank, when they log in to RBC Online Banking, that they are eligible for the Offer. The Offer is particular to the individual to whom it is presented and may not be transferred to or shared with any other party.
  • Has a valid deliverable email address associated with his or her client profile with us by November 30, 2026. (Note: It is your responsibility to keep your email address with us current by updating it in RBC Online Banking, contacting the RBC Royal Bank Advice Centre, or visiting a RBC Royal Bank Branch.)

“Eligible Account” means any of the following new or existing personal investment accounts and Savings Account(s) offered by the Royal Bank of Canada and/or Royal Mutual Funds Inc. (RMFI) of which the Eligible Personal Client is the Primary Account Owner:

  • High Interest eSavings Account
  • USD High Interest eSavings Account
  • Enhanced Savings Account
  • Day to Day Savings Account
  • RBC Euro eSavings Account
  • RBC British Pound eSavings Account
  • RBC Hong Kong Dollar eSavings Account
  • Tax Free Savings Account (TFSA) (includes Group TFSA)
  • RRSP (includes Spousal and Group RRSP)
  • Non-Registered Investment Account
  • Locked in Retirement Account (LIRA)
  • Locked In Fund (LIF) Account
  • Registered Retirement Income Fund (RRIF)
  • Registered Education Savings Plan (RESP)
  • Registered Disability Savings Plan (RDSP)
  • Deferred Profit Sharing Plan (DPSP)

“Eligible Product” means RBC Registered Savings Deposit, RBC Non-Registered Savings Deposit or RBC Guaranteed Investment Certificate (GICs). If you contribute to multiple Eligible Products during the Promotional Period, all the contributions and/or transfers-in (net of withdrawals and/or transfers-out) will be added together to assess the qualification for the Offer.

“Existing Clients Offer” means the Offer in respect of an Eligible Personal Client, Eligible Account(s) and Eligible Product(s), as set out in Section A of these Terms and Conditions (Note: For convenience, the Existing Clients Offer may alternatively be referred to herein as the “Offer”).

“Holding Period” means the period starting the day of the Contribution Deadline (November 30, 2026) and ending two years after that (November 30, 2028).

“Investment Account” means any of the following accounts: Tax Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), Non-Registered Investment Account, Locked in Retirement Account (LIRA), Life Income Fund Account (LIFA) Account, Registered Education Savings Plan (RESP), Retirement Income Fund (RIF), Registered Disability Savings Plan (RDSP), Deferred Profit Sharing Plan (DPSP)

“Personal Banking Account” means any of the following accounts: RBC Day to Day Banking®, RBC No Limit Banking, RBC Advantage Banking™, RBC Student Banking®, RateLink Preference®, RateLink Essential®, RateLink Essential - Sixty Plus®, Sixty Plus - Signature Plus®, Sixty Plus - Royal Money Maker®, Sixty Plus - Calculator Plus®, RBC VIP Banking®; RBC Signature No Limit Banking, RBC No Limit Banking for Students account;

“Primary Account Owner” means the person we consider to be the main account owner of the Eligible Account(s). When it is a joint ownership account, it is the first person listed as an owner, per our records;

“Promotional Period” means the period starting on July 16, 2026, and ending November 30, 2026. The Offer qualification will be assessed based upon the sum of all Qualifying Net Contributions completed during the Promotional Period.

“Qualifying Net Contributions” means the total of all lump sum contributions of at least C$75,000 collectively deposited or transferred (in cash or in-kind) into the Eligible Accounts and into the Eligible Products net of all withdrawals or transfer-outs by the Contribution Deadline.

  • Contributions or transfers from non-RBC affiliated legal entities and RBC Personal Banking Accounts of which the Eligible Personal Client is the Primary Account Owner will qualify (“Transferred Assets”) but contributions or transfers-in from other RBC-affiliated legal entities do not qualify (including but not limited to RMFI, RBC Direct Investing Inc., RBC InvestEase Inc., RBC Dominion Securities Inc., RBC Dominion Securities Global Inc., Phillips, Hager & North Investment Services, RBC Phillips, Hager & North Investment Counsel Inc, Royal Trust Corporation of Canada and the Royal Trust Company). For example,
    • - a client selling mutual funds worth $100,000 in an RMFI account and using the proceeds to buy $100,000 of GICs will have no Qualifying Net Contributions as the proceeds are from RMFI (an RBC affiliated legal entity).
    • - A client who has $20,000 in their RBC VIP account of which the client is the Primary Account Owner receives the offer email from RBC and then transfers $60,000 from another Canadian financial institution into their RBC VIP account during the Promotional Period. This client then buys a $50,000 GIC and puts $30,000 into HISA eSavings account will qualify for the offer as their total net contribution will be $80,000.
  • For the purposes of calculating Qualifying Net Contributions, any transactions will be determined in Canadian dollars based on the end of day valuation on the date the lump sum Qualifying Net Contributions are received in the Eligible Account(s) by RBC at its sole discretion. Foreign currencies will be converted to Canadian dollars at RBC’s prevailing prescribed rate on the date Transferred Assets are received.

“Reward” shall have the meaning as set out in Section A

“Savings Account” means any of the following accounts: RBC High Interest eSavings®, RBC Enhanced Savings®, RBC Day to Day Savings®, RBC U.S. High Interest eSavings®, NOMI Find & Save®, RBC Leo’s Young Savers Account®, RBC Euro eSavings®, RBC British Pound eSavings®, RBC Hong Kong Dollar eSavings®,

“you”, “your” means the owner of an Eligible Product in an Eligible Account; “we”, “us”, “our”, the “Bank” mean Royal Bank of Canada or any of our deposit taking subsidiaries in Canada.

A. OFFER

If you are an Eligible Personal Client and meet the qualifying criteria, as set out in Section B and all other terms and conditions set out herein, during the Promotional Period (starting on July 16, 2026, and ending November 30, 2026) and Holding Period (period starting the day of the Contribution Deadline (November 30, 2026) and ending two years after that (November 30, 2028)), you may elect to receive one of the following (subject to availability at time of selection; see additional terms and conditions below).

Apple 13-inch MacBook Air: M5 chip with 10-core CPU and 8-core GPU, 16GB, 512GB SSD

Or;

Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass

(each such item individually referred to as the “Reward”)

  • Only one Reward per Eligible Personal Client, no matter how many Eligible Accounts and Eligible Products you may own during the Promotional Period. (e.g. An Eligible Personal Client must have a minimum Qualifying Net Contribution of C$75,000 to qualify for the Reward. A Qualifying Net Contribution of C$150,000 will not qualify the Eligible Personal Client for two Rewards)
  • Only one Reward per Eligible Personal Client, even if the Eligible Account is opened jointly and the qualifying criteria, as set out in Section B are fulfilled by more than one co-owner. Net contributions in joint accounts will count only towards the co-owner designated as the Primary Account Owner of the joint Eligible Account.
  • The Reward is only available while supplies last. While we reserve the right to substitute the Reward with an offer of equal value, we are not obligated to do so.
  • Eligible Personal Clients are not entitled to a change, upgrade or substitution of the Reward upon selection.
  • Your Eligible Account must remain open and in good standing, and the qualifying criteria you performed to receive the Reward must remain in effect until at least November 30, 2028.
  • If you received the Reward and then fail to maintain the minimum Qualifying Net Contributions required until the end of the Holding Period (i.e. you withdraw part or all of your contributions and/or close your Eligible Account at any time prior to the end of Holding Period), we reserve the right to debit your Personal Banking Account(s) or any of your accounts with us for the value of the Reward you selected, as described in the table below, plus applicable taxes, even if this places your account into overdraft or causes you to exceed your account’s credit limit, as relevant. If your Personal Banking Account(s) 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 you agree to pay within 30 days from the date of receipt, which shall be deemed to be 5 business days from its postmark date.
    Reward Value
    (after any initial payment)

    Existing Clients Offer

    Apple 13-inch MacBook Air (M5) 10-core CPU and 8-core GPU, 16GB, 512GB SSD

    		 $ 1,799

    Existing Clients offer

    Apple 11-inch iPad Pro Wi-Fi 256GB with Standard Glass

    		 $ 1,699
  • In order to select and receive the Reward, you must have a valid deliverable email address associated with your client profile with us by November 30, 2026. It is your responsibility to keep your email address with us current by updating it in RBC Online Banking, contacting the RBC Royal Bank Advice Centre, or visiting an RBC Royal Bank Branch, and we will not be responsible for any failure by you to do so or for any consequences arising from such failure.
  • By December 2026 we will notify you – by way of an email sent to the email address you have provided to us – when you have fulfilled the qualifying criteria, as set out in Section B, for the Offer.
  • In February 2027, we will send you an email message containing a secure link that will permit you to visit a secure online store where you can select your Reward and confirm an address for delivery, as well as any other shipping details.
  • If you believe you have qualified for the Offer but have not received the email described immediately above informing you of your qualification, you have until March 31, 2027, to inform us accordingly, so that we may check whether you have indeed qualified for the Offer. Any notice received after this date will not be accepted and you will be deemed not to have qualified for this Offer.
  • You have until April 30, 2027, to use the secure link provided in the email informing you of your qualification for the Offer and to select your Reward. Any attempt to use the link after this date will not be accepted and you will be deemed to have forfeited the Offer and any entitlement to the Reward.
  • We will ship the Reward to the address you provide when you selected the Reward, as long as it is an address with a civic number and street name and is located in Canada. We will not ship to any post office box (P.O. Box)
  • We may send you an email notification informing you that your Reward has been shipped and/or providing you with a tracking number. It is your responsibility to keep your email address current. If a tracking number has been provided, it is your responsibility to track and make any arrangements necessary to receive delivery of the Reward.
  • A receipt or other record (e.g., by the carrier) of delivery at the address you provided when you selected your Reward, will be sufficient evidence of your receipt of the Reward, regardless of whether the signature on the receipt corresponds to a signature that appears in our records for the Eligible Account(s).
  • We are not responsible for any failure, malfunction or defect in the Reward itself, nor for any services related to it. Any complaint, inquiry, or communication related to any failure, malfunction or defect in the Reward, as well as any services related to it, should be addressed directly to the Reward’s manufacturer.
  • You have until May 1, 2027, to notify us if you believe you have completed all qualifying criteria but have not received the Reward due under these Terms and Conditions. Any notice received after this date will not be accepted even if you had completed the applicable qualifying criteria during the Promotional Period required to earn the Offer.

B. QUALIFYING CRITERIA

To qualify for this Existing Clients Offer, during the Promotional Period and Holding Period you must:

  • Be an Eligible Personal Client;
  • Transfer-in or deposit Qualifying Net Contributions of at least C$75,000 into any Eligible Product(s) within any Eligible Account(s) of which you are the Primary Account Owner by 9:00 PM Eastern Time of the last day of the Promotional Period to be eligible for the Existing Clients Offer;
  • Maintain the minimum Qualifying Net Contributions required under the Existing Clients Offer until November 30, 2028. If you withdraw, deregister, or remove contributed/transferred assets from your Eligible Account(s) at any time during the Promotional Period, these amounts will be subtracted from your contributions.
    • i. For clarity, market driven changes in your account balance will not impact your qualification for the Offer. However, changes to your account balance due to withdrawals (and/or transfers-out) during the Promotional Period will be taken into account (Contributions net of withdrawals will be used) for assessing qualification for the Offer.

C. PROMOTIONAL PERIOD; QUALIFYING NET CONTRIBUTION

  • Lump sum Qualifying Net Contributions may be combined across Eligible Accounts with RBC to meet the Offer’s qualifying criteria. For example, an Eligible Personal Client who contributes $50,000 to a GIC in RRSP (RBC) and $25,000 to Registered Savings in a TFSA (RBC) will qualify for the Offer.
  • Lump sum Qualifying Net Contributions may be combined across Eligible Products to meet the qualifying criteria. For example, an Eligible Personal Client who contributes $50,000 into a Non-Registered Savings Account and $15,000 into a Registered Savings Deposit (RBC) and $10,000 in a 2-year term GIC in a TFSA (RBC) will qualify for the Offer as the total of all qualifying investments meets the minimum investment criteria.
  • Multiple transfers or contributions may be initiated into your Eligible Account(s) to meet the minimum amount of Qualifying Net Contributions required in your Eligible Accounts. All transfers received across your Eligible Account(s) before the Contribution Deadline will be considered cumulatively.

D. EXCLUSIONS

  • The following accounts are not eligible and are excluded from this Existing Clients Offer, and any funds deposited in any such account(s) will not qualify for the Reward:
    • Any Investment Account or Deposit Account owned by the estate of a deceased individual(s) (i.e. with ownership in the name of “Estate of …”);
    • Any Investment Account or Deposit Account of which an Eligible Personal Client is not the Primary Account Owner as of July 15, 2026. (Note: For greater certainty, even if the account ownership of that Investment Account is changed to include an Eligible Personal Client during the Promotional Period, that Investment Account will remain ineligible for the Existing Clients Offer.)
  • Mutual Funds, NOMI Find& Save Savings Account and Leo’s Young Savers Account are excluded from the definition of Eligible Product(s) and are excluded from this Existing Clients Offer. Any funds deposited into any such product(s) during the Promotional Period will not qualify for the Reward.
  • Transfers from RBC Direct Investing and RMFI into an Eligible Product(s) in an Eligible Account(s) are not eligible for the Existing Clients Offer and do not count towards the Qualifying Net Contribution
  • All non-personal accounts and third-party accounts will not be eligible for the Existing Clients Offer.
  • The Promotional Offer shall not be combined with any other of our Personal Banking Accounts or Investment Account offers or promotions (specifically but not limited to Investments Winter Investment Offer, Summer 2026 iPad Offer) except as may be permitted in accordance with the terms and conditions of offers or promotions by RBC. The Promotional Offer shall also not be combined with any other offers or promotions by the Royal Bank of Canada or any affiliated entity, including without limitation, RMFI, RBC Direct Investing Inc. and RBC InvestEase Inc., except as may be permitted in accordance with the terms and conditions of the other offers or promotions.

E. LIMITATIONS

  • We may change the Existing Clients Offer and these Terms and Conditions at any time without giving you notice. The posting of the current Terms and Conditions at New URL shall be deemed sufficient notice of them to you, if required.
  • In the event of a conflict between these Terms and Conditions and the content of any document, brochure or promotional material advertising this Existing Clients Offer, these Terms and Conditions shall prevail. You may view the most current Terms and Conditions by visiting New URL or you may call 1-800 ROYAL® 1-1 to request a current copy.
  • We reserve the right, in our sole discretion, to suspend, disqualify, limit or revoke this Existing Clients Offer to any person or account holder we find or believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, including any person whose overall client relationship with us is in our opinion not in good standing.
  • If we are unable to execute the offer as planned for any valid reason including but not limited to infection by computer/system virus, bugs, tampering, unauthorized intervention, fraud, technical failures, force majeure, pandemic, or any other cause beyond our reasonable control which corrupts, interferes with, or otherwise impacts the administration, security or proper conduct of this Existing Clients Offer, we reserve the right at our sole discretion to, without advance notice, terminate or suspend the Existing Clients Offer, in whole or in part, or modify it as we deem necessary.
  • You are responsible for reviewing your personal contribution room available in your registered accounts (i.e., TFSA, RESP, and RRSP) before effecting any transfer, contribution or pre-authorized contribution (PAC) into your Eligible Account(s). You are solely responsible for any excess contribution penalty or other tax consequences, direct or indirect, losses, damages or opportunity costs suffered or incurred by you or any third party that may arise from a contribution or transfer of assets into your Eligible Account(s). Please consult your personal tax advisor for advice.
  • There may be tax implications associated with this Offer. You will be solely responsible for any tax consequences associated with the Offer and/or the transfer of any assets into the Eligible Account(s). Please consult your personal tax advisor for more information.
  • This Offer is distributed by Royal Bank of Canada (‘RBC’). Royal Bank of Canada, RBC Direct Investing Inc. (‘RBC Direct Investing’) and RMFI are separate corporate entities which are affiliated. RBC Direct Investing and RMFI are wholly owned subsidiaries of RBC. Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC, 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.
  • 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.

Royal Bank of Canada Website, © 1995-