Instantly Save 3¢/L on Fuel and Earn 20% More Points at Petro-Canada
with any linked RBC banking account*
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RBC Day to Day Banking
RBC Signature No Limit Banking
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1)
Our recommendation is based on the accuracy and completeness of the information provided and is for illustrative and general information purposes only. This tool is not intended to provide specific financial, investment or other advice, and should not be relied upon in that regard. Royal Bank of Canada uses reasonable effort to include accurate and up-to-date information in this tool, but cannot guarantee that all information is accurate or complete or current at all times. Royal Bank of Canada does not make any express or implied warranties or representations with respect to any information or results in connection with the Account Selector tool. Royal Bank of Canada will not be liable for any losses or damages arising from any errors or omissions in any of the information or results, as well as any action or decision made by you in reliance on any information or results.
2)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-25111-800-769-2511 or view the full Value Program Terms & Conditions
3)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Value Program Terms & Conditions
4)
Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a Retail Petro-Canada Location, you will save three cents ($0.03) per litre at the time of the transaction.
5)
Each time you use your linked Eligible RBC Card to pay for qualifying purchases at a Retail Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points Terms and Conditions.
6)
Debit Transactions in the Day to Day Banking and U.S. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U.S. Personal Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
Applicable to Day to Day Banking Accounts: In addition to above, Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge.
Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
Applicable to Day to Day Banking Accounts: In addition to above, Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge.
Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
7)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Monthly Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
8)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
9)
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
10)
On operating account only.
11)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
12)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and WestJet RBC World Elite Mastercard.
13)
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
14)
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.
15)
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.
16)
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.
17)
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.
*
To participate in this offer, you must have an RBC debit or credit card which is issued by RBC Royal Bank of Canada (excluding RBC commercial credit cards) ("Eligible RBC Card"). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one RBC Client Card to a Petro-Points Account.
Any/every card means an Eligible RBC Card that is linked to a Petro-Points card. You must be enrolled in RBC Online Banking in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
‡
All other trademarks are the property of their respective owner(s).
RBC Advantage Banking
Key Features
-
Use your account as often as you need.
Unlimited Debits -
Save on Fees
Save on your monthly fees with our MultiProduct Rebate4 to disclaimer
-
Pay your friends back with Interac e-Transfers
Unlimited
Pay your friends back with Interac e-Transfers
UnlimitedMore Great Features
| Monthly Fee after Value Program rebate2 to disclaimer | $5.95/month or $0/month Free |
| Monthly Fee after Seniors Rebate3 to disclaimer | $7.95/month |
| Overdraft Protection Monthly Fee4 to disclaimer | $5.00 per month plus applicable Overdraft Interest |
| Interac Access Fee at Non-RBC Royal Bank ATMs in Canada1 to disclaimer | $2.00 each |
| Credit Card Included | N/A |
| Bank Drafts | $9.95 each |
| Assisted and Self-Serve Transactions | Included |
| Cross-Border Debit5, to disclaimer6, to disclaimer7 to disclaimer | $1.00 each |
| Personalized Cheques | Fees Apply |
| Safe Deposit Box | Fees Apply |
| PLUS System Access Fee at Non-RBC Royal Bank ATMs within Canada and U.S.8 to disclaimer | $3.00 each |
| PLUS System Withdrawals at ATMs Outside Canada and U.S.9 to disclaimer | $5.00 each |
1)
ATM - RBC ATM Access fees waived
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.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
2)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Value Program Terms & Conditions
3)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
4)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
5)
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
6)
On operating account only.
7)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
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.
9)
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
RBC Day to Day Banking
Key Features
-
Use your account as often as you need.1 to disclaimer
12 debits / month plus unlimited free debits for eligible public transit2 to disclaimer; $1.25 each thereafter
-
Pay your friends back with Interac e-Transfers
Unlimited
More Great Features
| Monthly Fee after Value Program rebate | Free |
| Monthly Fee after Seniors Rebate4 to disclaimer | Free |
| Monthly Fee after RDSP Rebate5 to disclaimer | Free |
| Overdraft Protection Monthly Fee6 to disclaimer | $5.00 per month plus applicable Overdraft Interest |
| Interac Access Fee at Non-RBC Royal Bank ATMs in Canada7 to disclaimer | $2.00 each |
| Bank Drafts | $9.95 each |
| Credit Card Included | N/A |
| Assisted and Self-Serve Transactions | Included |
| Cross-Border Debit1, to disclaimer8, to disclaimer9 to disclaimer | $1.00 each |
| Personalized Cheques | Fees Apply |
| Safe Deposit Box | Fees Apply |
| PLUS System Access Fee at Non-RBC Royal Bank ATMs within Canada and U.S.10 to disclaimer | $3.00 each |
| PLUS System Withdrawals at ATMs Outside Canada and U.S.11 to disclaimer | $5.00 each |
1)
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
2)
Debit Transactions in the Day to Day Banking and U.S. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U.S. Personal Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
Applicable to Day to Day Banking Accounts: In addition to above, Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge.
Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
Applicable to Day to Day Banking Accounts: In addition to above, Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge.
Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
3)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Value Program Terms & Conditions
4)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
5)
Applies to RBC Day to Day Banking account only. Limit one rebate per client. Some conditions & exceptions may apply. Proof of any Registered Disability Savings Plan open in your name or for your benefit is required before the rebate will be applied to the banking account fee. Any fees paid before eligibility has been confirmed will not be refunded.
6)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
7)
ATM - RBC ATM Access fees waived
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.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
8)
On operating account only.
9)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
10)
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.
11)
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
RBC Signature No Limit Banking
Key Features
-
Use your account as often as you need.
Unlimited Debits -
No need to wait. Use other bank’s ATMs
Interac access fees at non-RBC Royal Bank ATMs. 3 refunded / month, $2.00 each thereafter1 to disclaimer -
Get credit where credit is due
Up to $48 rebate on the annual fee of an eligible credit card2 to disclaimer
-
Pay your friends back with Interac e-Transfers
Unlimited -
Peace of mind
No monthly overdraft protection fee3 to disclaimer -
Save on Fees
Save on your monthly fees with our MultiProduct Rebate4 to disclaimer
More Great Features
| Monthly Fee after Value Program rebate2 to disclaimer | As low as $5.00 |
| Monthly Fee after Seniors Rebate5 to disclaimer | $12.95/month |
| Bank Drafts6 to disclaimer | 6 Free/year, $9.95 each thereafter |
| Assisted and Self-Serve Transactions | Included |
| Cross-Border Debit6, to disclaimer7, to disclaimer8 to disclaimer | 5 / month, $1.00 each thereafter |
| Personalized Cheques7 to disclaimer | 1 Book of Cheques FREE, afterwards Fees Apply7 to disclaimer |
| Safe Deposit Box9 to disclaimer | Maximum annual discount $12.00/year |
| PLUS System Access Fee at Non-RBC Royal Bank ATMs within Canada and U.S.10 to disclaimer | $3.00 each |
| PLUS System Withdrawals at ATMs Outside Canada and U.S.11 to disclaimer | $5.00 each |
1)
ATM - RBC ATM Access fees waived
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.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
2)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
3)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
4)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Value Program Terms & Conditions
5)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
6)
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
7)
No charge for your first order of RBC style personalized cheques (100 singles or 50 duplicates). A fee applies to all cheques ordered thereafter.
8)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
9)
Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year.
10)
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.
11)
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
RBC VIP Banking
Key Features
-
Use your account as often as you need.
Unlimited Debits -
No need to wait. Use other bank’s ATMs
Unlimited1 to disclaimer -
Get credit where credit is due
Up to $120 rebate on the annual fee of an eligible credit card2 to disclaimer
-
Pay your friends back with Interac e-Transfers
Unlimited -
Peace of mind
No monthly overdraft protection fee3 to disclaimer -
Multiple accounts without borders
Up to 2 additional Canadian dollar and 1 additional U.S. dollar accounts4 to disclaimer
More Great Features
| Monthly Fee after Value Program rebate2 to disclaimer | As low as $18.05 |
| Monthly Fee after Seniors Rebate6 to disclaimer | $22.50/month |
| Bank Drafts7 to disclaimer | 12 Free/year, $9.95 each thereafter |
| Assisted and Self-Serve Transactions | Included |
| Cross-Border Debit7, to disclaimer8, to disclaimer9 to disclaimer | Free |
| Personalized Cheques8 to disclaimer | Free, with RBC VIP Style |
| Safe Deposit Box10 to disclaimer | Maximum annual discount $60.00/year |
| PLUS System Access Fee at Non-RBC Royal Bank ATMs within Canada and U.S.11 to disclaimer | Free |
| PLUS System Withdrawals at ATMs Outside Canada and U.S.12 to disclaimer | Free |
1)
ATM - RBC ATM Access fees waived
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.
ATM use outside Canada
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATM - Unlimited banking transactions including Interac and PLUS System network fees waived
ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.
ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle
ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
2)
Subject to credit approval. As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum and WestJet RBC World Elite Mastercard.
3)
Overdraft Protection is an optional feature that may be added to your account. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. Subject to credit approval. Overdraft interest charge applies if used. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest.
4)
RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U.S dollar deposit account, limited to the U.S. Personal Account, with the monthly fees waived. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your branch.
5)
If you have an eligible banking account and enrol that account in the Value Program, you may receive a partial or full rebate on that account’s Monthly Fee when you also hold eligible RBC products and complete monthly account activities using your enrolled eligible banking account. For more information on the Value Program rebate, visit any RBC Royal Bank branch, call 1-800-769-2511 or view the full Value Program Terms & Conditions
6)
For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.
7)
Totals are not cumulative, and if not used, may not be carried over into the next monthly cycle or calendar year. Excess debit transaction fee may also apply depending on the account.
8)
On operating account only.
9)
Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase.
10)
Safe Deposit Box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a Safe Deposit Box discount at any time after the Safe Deposit Box fees have been collected that year, the discount on those Safe Deposit Box fees will not be pro-rated and applied to the fees of the partial year. The discount will start in the following year and be applied to the Safe Deposit Box fees billed in January of the following year.
11)
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.
12)
Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction.