RBC is proud to work with ICICI Bank Canada to make it easier for international students to arrive, study and settle in Canada.
This special collaboration allows you to link your accounts between ICICI Bank Canada, one of the largest banks in India, and RBC, the largest bank in Canada1. By bridging your accounts, you can easily access the products and advice that will help you thrive in Canada.
Everything You Need for a Strong Financial Start in Canada
Open an RBC Advantage Banking account for students
Add an RBC credit card
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Get up to a $2,000 credit limit with no credit history4.
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Start building a credit history in Canada as a student.
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Pay no annual fee and earn perks whenever you spend with your card.
Conveniently bank across Canada
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Bank anytime, anywhere with the RBC Mobile app5.
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Access free digital tools to help you make smart money decisions.
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Take advantage of the largest combined branch and ATM network in Canada – over 1,200 branches and 4,200+ ATMs.
Visit ICICI Bank Canada to start your journey with the Student GIC program
Apply Online (opens in a new window)
INTERNATIONAL STUDENT OFFER
Get up to 12% cash back with an RBC Cash Back Mastercard for the first 3 months
(up to $200 in value)†
Learn MoreOffer ends January 31, 2026. Conditions Apply.
Settle Into Student Life in Canada with Services and Support Designed for You
ICICI Bank Canada Student Partnership Program
- Get your ICICI Student Account for your study permit application. Once you arrive in Canada, receive the funds from that account into your RBC Canadian chequing account.
- Fund transfers are automatic for convenience and peace of mind.
Cashback and rewards
- Enrol your account in the Value Program and earn Avion points on your online and in-store debit purchases.
- Earn cash back or Avion points on purchases made with an RBC credit card.
Support beyond banking
- From fraud prevention to career workshops, access a range of banking (and beyond banking) support at RBC On Campus locations and from RBC On Campus Advisors.
- Discover online resources to help you get settled in Canada – from banking to budgeting to finding work.
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Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
You must apply for the RBC Cash Back Mastercard by January 31, 2026, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including 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 cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 35 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms (opens in a new window). Offer applies to new RBC Cash Back Mastercard accounts only.
One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
You must apply for the RBC Cash Back Mastercard by January 31, 2026, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including 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 cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 35 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms (opens in a new window). Offer applies to new RBC Cash Back Mastercard accounts only.
One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
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Offer available November 4, 2025 – February 2, 2026 (“Promotional Period”)
This 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 offer. The Promotional Offer is $100 Account Bonus deposited in your Eligible Personal Banking Account and$100 Charitable Bonus donated by RBC to an RBC-approved charity (up to a maximum aggregate of $500,000 CAD across all charities) , if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer.
To qualify for the Promotional Offer you must open your first new Eligible Personal Banking Account by 9:00 PM EST on February 2, 2026 and complete one of the following Qualifying Criteria by 9:00 PM EST on March 30, 2026 using your Eligible Personal Banking Account:
i. Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.
ii. Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.
iii. Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
iv. Set up one (1) pre-authorized monthly payment (“PAP”) – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa‡ Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
v. Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa‡ Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
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) 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 Promotional Offer will be deposited into your Eligible Personal Banking Account within 4 to 10 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.
Information around the charitable donation:
Beginning December 8, 2025, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified for the Charitable Bonus portion of the Promotional Offer. This message will be sent at any time up to seven (7) business days after all Qualifying Criteria have been completed. The message will contain a link that will permit you to visit a webpage where you will be able to confirm your participation in the program. After you have participated, RBC will donate the Charitable Bonus amount to 3 RBC-approved charities. In order to have the Charitable Bonus allocated accordingly, you must click the link in the email we’ve sent you by 9:00 PM Eastern Time on April 30, 2026.
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/getgiveofferterms.
RBC will donate to 3 RBC pre-approved charities. The eligible charities are: Food Banks Canada; Habitat for Humanity; and Kids Help Phone.. RBC will donate $100 (up to a maximum aggregate of $500,000 CAD across all charities) to all 3 eligible charities once you complete all of the offer criteria. Offer ends February 2, 2026 and you must complete the Qualifying Criteria by March 30, 2026, in order to have your Charitable Bonus allocated accordingly. For full details including defined terms visit rbc.com/getgiveofferterms
This 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 offer. The Promotional Offer is $100 Account Bonus deposited in your Eligible Personal Banking Account and$100 Charitable Bonus donated by RBC to an RBC-approved charity (up to a maximum aggregate of $500,000 CAD across all charities) , if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer.
To qualify for the Promotional Offer you must open your first new Eligible Personal Banking Account by 9:00 PM EST on February 2, 2026 and complete one of the following Qualifying Criteria by 9:00 PM EST on March 30, 2026 using your Eligible Personal Banking Account:
i. Register your Eligible Personal Banking Account for Interac Autodeposit and send or receive one (1) e-Transfer using RBC Online Banking or the RBC Mobile app.
ii. Request and obtain an RBC Virtual Visa Debit Card and make at least one (1) Qualifying Debit Transaction (as defined in the Note section below) with your Eligible Personal Banking Account.
iii. Transfer the full amount of your automated and recurring payroll direct deposit to your new Eligible Personal Banking Account. For greater certainty, this means that you will not qualify if you split your payroll deposit from one employer between your new Eligible Personal Banking Account and any other account. We reserve the right to determine what is considered payroll and whether any payroll deposit has been split. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
iv. Set up one (1) pre-authorized monthly payment (“PAP”) – such as a pre-authorized eligible bill payment to a service provider (i.e. utility bill, gym membership) or pre-authorized payment to an RBC mortgage, loan, Royal Credit Line, or contribution to your RBC investment account – from your new Eligible Personal Banking Account. PLEASE NOTE: Any bill payments (pre-authorized or otherwise) made using a Virtual Visa‡ Debit will not qualify. The first payment of each PAP must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
v. Make one (1) eligible bill payment to a service provider from your new Eligible Personal Banking Account. PLEASE NOTE: To qualify, the eligible bill payment must be completed through the RBC Mobile app or RBC Online Banking. Excludes any bill payment made in-person at an RBC Royal Bank branch with an RBC Advisor, and any bill payment made to an RBC credit card account, and any bill payment made using RBC Virtual Visa‡ Debit. The eligible bill payment must be debited and must clear from your new Eligible Personal Banking Account by 9:00 PM Eastern Time February 2, 2026
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) 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 Promotional Offer will be deposited into your Eligible Personal Banking Account within 4 to 10 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.
Information around the charitable donation:
Beginning December 8, 2025, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified for the Charitable Bonus portion of the Promotional Offer. This message will be sent at any time up to seven (7) business days after all Qualifying Criteria have been completed. The message will contain a link that will permit you to visit a webpage where you will be able to confirm your participation in the program. After you have participated, RBC will donate the Charitable Bonus amount to 3 RBC-approved charities. In order to have the Charitable Bonus allocated accordingly, you must click the link in the email we’ve sent you by 9:00 PM Eastern Time on April 30, 2026.
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/getgiveofferterms.
RBC will donate to 3 RBC pre-approved charities. The eligible charities are: Food Banks Canada; Habitat for Humanity; and Kids Help Phone.. RBC will donate $100 (up to a maximum aggregate of $500,000 CAD across all charities) to all 3 eligible charities once you complete all of the offer criteria. Offer ends February 2, 2026 and you must complete the Qualifying Criteria by March 30, 2026, in order to have your Charitable Bonus allocated accordingly. For full details including defined terms visit rbc.com/getgiveofferterms
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By market capitalization
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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. 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. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.
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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.
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.
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An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.