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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

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For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.

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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.

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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.

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On operating account only.

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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.

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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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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.

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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.

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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.

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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

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For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.

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Proof of any Registered Disability Savings Plan open in your name or for your benefit is required in Branch before the rebate will be applied to the bank account fee. Any fees paid before eligibility has been confirmed will not be refunded. Each account owner is eligible for one fee waiver.

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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.

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On operating account only.

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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.

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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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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.

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Offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC).

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The account owner must provide proof of eligibility by presenting an acceptable form of identification in Branch, as defined by the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC), effective 2025. Each account owner is eligible for one fee-waiver. Any fees paid before eligibility has been confirmed will not be refunded. For more information, visit https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/low-cost-no-cost-accounts.html.

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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.

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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.

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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

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For clients age 65 or older. Limit one rebate per client. Some conditions and exceptions may apply. May not be combined with MultiProduct Rebate.

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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.

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No charge for your first order of RBC style personalized cheques (100 singles or 50 duplicates). A fee applies to all cheques ordered thereafter.

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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.

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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.

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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.

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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.

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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

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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.

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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.

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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.

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Unlimited FREE Interac e-Transfer transactions through the Interac e-Transfer service are available with all Canadian dollar personal bank accounts and are not counted in the monthly total of debits for accounts with a limited number of free debits. 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. For all Canadian dollar savings accounts, transfers through the Interac e-Transfer service are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction Fee, if applicable. The Interac e-Transfer service is not available with U.S. Dollar Accounts.

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The following debits will not count toward the number of included Debit Transactions per Month: RBC Virtual Visa‡ Debits; Self-Serve electronic funds transfers from your personal deposit account to another personal deposit account in your name; pre-authorized or self-service transfers made to any RBC credit card; payments to your RBC Royal Bank personal loan, Royal Credit Line®, RBC residential mortgage or RBC Homeline Plan®; contributions made to RBC investments/ investment accounts such as Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Registered Education Savings Plans (RESPs), Registered Disability Savings Plans (RDSPs), Tax-Free Savings Accounts (TFSAs), and Royal Mutual Funds. Unless otherwise specified herein, all other debits, including bill payments, will count towards the number of included Debit Transactions and will result in an Excess Debit Transaction Fee if you go over the number of included debits per Month. Notwithstanding the foregoing:

For Chequing Accounts only, Third Party Payments debits will not count toward the number of included Debit Transactions per Month.

For RBC Day to Day Banking Account only, 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” will not count towards the number of included Debit Transactions per Month. All other debits, including those 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, will count towards the number of included Debit Transactions and will result in an Excess Debit Transaction Fee if you go over the number of included debits per Month.

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When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations."