Skip to main content

Back to Accounts and Services

RBC VIP Banking

RBC VIP Banking

An all-inclusive package designed to simplify your banking including unlimited transactions, credit card rebates, unlimited debits at other bank ATMs, and much more.

Monthly Fee:
$30.00

Debits Included:
Unlimited

Open Account

Features of This Account

Pay only one monthly fee for a full range of personal banking services and travel benefits including:

  • Applicant and co-applicant fees rebated on one RBC Royal Bank premium credit card15
  • Unlimited banking transactions including Interac and PLUS System network fees waived3
  • Choice of up to two additional Canadian and one U.S personal account with monthly fees waived23
  • Overdraft protection5,46 and free RBC Royal Bank VIP personalized style cheques
  • Exclusive Avion Rewards - Travel, Shop, and Invest With Avion Points, as well as special deals on vacation packages, last minute travel, cruises, tours and more.
  • Waived fees or discounts for many other RBC services
  • RBC Direct InvestingTM quarterly maintenance fee is waived. The maintenance fee covers all RBC Direct Investing accounts including TFSA, RESP, RRSP, Spousal RRSP, RRIF and non-registered accounts.

Is It Right for You?

  • You have a high number of transactions and frequently use other bank ATMs
  • You have a rewards credit card with an annual fee
  • You could use other services like overdraft protection, safety deposit box, multiple accounts, and occasional drafts

Protect Yourself

RBC Virtual Visa Debit

A safe and secure way to pay for online, telephone or mail order purchases in the U.S. and internationally anywhere Visa is accepted39 and in Canada, anywhere Visa Debit is accepted with the funds debited directly from your personal deposit account41.

Over 15,000 online Canadian merchants already accept Visa Debit

Learn More

Save Even More

  • You may also qualify for a rebate1 on your monthly banking fee if you have other eligible products with RBC
  • Earn double, triple even quadruple Avion points25 when you book your travel on your Avion Rewards credit card through Carlson Wagonlit Travel
  • With our Seniors Rebate, the monthly fee is $22.50 for eligible clients age 65 and over2

Accessing Your Accounts

Free access to RBC Online Banking, Mobile, and Telephone Banking

Convenient access to Canada's largest network of branches and ATMs

Customer service available in over 150 languages

Qualifying Credit Cards

Fee Information

RBC Royal Bank credit card15

Annual fee fully rebated for the primary cardholder and the co-applicant on any of the following eligible credit cards15: Visa Infinite Avion, Visa Platinum Avion, RBC Rewards Visa Preferred, U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, Cathay Pacific Visa Platinum, or WestJet RBC World Elite MasterCard. Partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of the RBC Avion Visa Infinite Privilege.

Recordkeeping Options

Fee Information

eStatement and eNotifications including cheque images viewed online less than 90 days old

  • FREE

Monthly Paper Statement (consolidated/combined20)

  • FREE

Cheque Images returned with paper statement

  • FREE

Other Services Provided

Fee Information

Access to Online, Mobile and Telephone Banking4

  • FREE

Avion Rewards - Travel, Shop, and Invest With Avion Points

Identity Theft Protection

  • Included

Drafts6

  • Up to 12 FREE/year, $9.95 each thereafter commission-free per calendar year

Safe Deposit Box7

  • Annual discount — Maximum Annual discount – maximum $60.00

Recurring funds transfers

  • Included

Certificate of Loan Balance / Interest paid (for tax purposes)

  • Waived Fee

Priority Service — 24/7

  • Call 1-800-769-2511 and enter your client card number to experience shorter wait times and connect with our most knowledgeable specialists.

Free Access to Online Banking4

If you're looking for the most convenient and comprehensive way to manage your day-to-day banking needs, look no further than RBC Royal Bank Online Banking. From financial calculators to a variety of convenient services including bill payments and fund transfers — you'll wonder how you ever lived without it. Even more, you'll enjoy free access with your banking account!

  • Transfer funds between accounts
  • Pay bills; even postdate payments if you choose
  • Make payments to personal loans, mortgages, credit card accounts, etc.
  • Obtain account balances and updates
  • Track previous transactions
  • Contribute to your RBC Royal Bank RRSP
  • Check current interest and foreign exchange rates
  • Apply for other RBC Royal Bank products

RBC Online Banking
Security Guarantee

We understand how important information security and privacy are to you. To provide you with greater peace of mind, we have developed the RBC Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Online Banking service, you will be reimbursed 100% for any resulting losses to those accounts54.

Operating Account

Account on which the monthly fee is applied

Fee Information

Monthly fee: $30.00

Monthly fee after Value Program Rebate1: As low as $18.05

Monthly fee after MultiProduct Rebate1: $19.95

Monthly fee after Seniors Rebate2: $22.50

Free debits per monthly cycle: Unlimited

Interac and PLUS System ATM network access fees3: Unlimited

Free personalized cheques13: FREE, with RBC VIP Style

Search for Records/Trace Items greater than 90 days old6,13: 4/year

Deposited item returned NSF: Waived Fee

Overdraft protection5,46: Included

Stop payments13: Included

Interac e-Transfer6,13: Unlimited

Cross-Border Debit13,14: FREE

Alternate Accounts23

Available, if selected, with waived fees

Fee Information

Additional accounts available if selected (in name of primary account holder and/or spouse)

  • Two Canadian dollar accounts plus one U.S. dollar account

Free debits per monthly cycle

  • Unlimited

Interac and PLUS System ATM network access fees3

  • Waived fee on Canadian dollar accounts; not available on U.S. account

Start Your Application

Applying online is safe and secure.