RBC Student Hub
Everything you need to take on the challenges of tomorrow.

Legal Disclaimer*

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.

Legal Disclaimer**

Mydoh is $2.99 per month if you are an RBC Client or $4.99 per month if you are not an RBC Client. RBC Client means an individual who holds at least one personal deposit account with Royal Bank of Canada (excluding saving accounts and US dollar accounts), or a personal RBC Royal Bank credit card.

Legal Disclaimer1)

Tickets subject to availability. In order to purchase tickets through RBCxMusic.com, you must authenticate yourself as an RBC client (using your RBC Royal Bank online banking card number/username and password) and purchase through the Ticketmaster application programming interface ("Ticketmaster API"). In order to obtain the applicable discounts, please select the ‘RBCxMusic’ ticket type from the drop down menu. Ticketmaster content (event name, dates, times, venue name, and additional information such as Tickets, Attendees, Orders (“Event Content") are owned by the event organizers and/or Ticketmaster. Any purchase of tickets through the Ticketmaster API will be governed by Ticketmaster’s Terms of Use, located at www.ticketmaster.ca. Royal Bank of Canada (“RBC”) is not responsible for any terms and conditions applicable to your purchases and returns. RBC reserves the right to cancel, modify or withdraw this exclusive access to tickets at any time.

Legal Disclaimer2)

RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are operated by Royal Bank of Canada.

Legal Disclaimer3)

Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.

Legal Disclaimer3a)

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 $5.00 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.

Legal Disclaimer4)

RBC Advantage^TM Banking for students is available to any full-time student upon presentation of student identification. Students who are 25 years of age and older must present proof of student status each year to maintain their eligibility for a student account.

Legal Disclaimer5)

Free Debit Transactions are calculated per Monthly Cycle. $1.25 is charged for each debit over the monthly limit. RBC Virtual Visa 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 Advantage Banking for students are free of charge.

Legal Disclaimer6)

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.

Legal Disclaimer8)

If you are a post-secondary student and an Account owner of an RBC Advantage^TM Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+^TM Visa^‡, Signature^® RBC^® Rewards Visa credit card, or WestJet RBC MasterCard credit card (each, an “Eligible Student Credit Card”), you may be entitled to a rebate towards the annual fee of your Eligible Student Credit Card, every year. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

To benefit from a rebate towards the annual fee of an Eligible Student Credit Card, you must: i) be approved for an eligible RBC Student Credit Card, ii) Open or Activate an Eligible Student Credit Card, and iii) be an Account owner of an Eligible Student Bank Account.

Responsive Table Example

Eligible Credit Cards	Annual Fee Rebate
RBC ION+TM Visa‡	$4 a month ($48 annually)
Signature® RBC Rewards® Visa	$39
Visa Cash Back Card	$19
WestJet RBC® MasterCard‡	$39

You will continue to benefit from the rebate on your annual fee: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided for your Eligible Student Bank Account, whichever comes first. Thereafter, you will no longer receive the rebate on the annual fee. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application form, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders (co-applicants and authorized users) are not eligible for this offer. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. This means that if this is a jointly held Eligible Student Bank Account, and each co-owner is also the primary cardholder of an Eligible Student Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual fee rebate.

As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit 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. Other conditions and restrictions apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

Legal Disclaimer9)

The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.

Legal Disclaimer10)

Fees may apply on the account from which the money has been transferred.

Legal Disclaimer11)

Debit Transactions in RBC Leo’s Young Savers Account^®: RBC Virtual Visa 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 the RBC Leo’s Young Savers 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.

Legal Disclaimer12)

Retail Banking: RBC Royal Bank received the highest numerical score among the big five retail banks in the J.D. Power 2016-2018 Canadian Retail Banking Customer Satisfaction Studies. The study is based on responses from nearly 14,000 retail banking customers of Canada’s largest and midsized banks regarding their experiences with their retail bank. It was fielded from June 2017 to January 2018. Your experiences may vary. Visit jdpower.com

Legal Disclaimer13)

Offers are available to clients with an RBC Royal Bank debit card tied to a personal chequing account and/or an eligible RBC Royal Bank credit card. Program access is determined by RBC and based on the client’s preferences and account status. All offers are subject to eligibility. Please refer to the terms and conditions for each specific offer for more details. RBC Commercial Visa and RBC U.S. Dollar Visa Gold cards are not eligible for offers. Other exceptions may apply to certain offers.

Legal Disclaimer14)

This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. Not available for the Leo’s Young Saver’s Account.

Legal Disclaimer15)

You will earn 1.5 Avion points for every $1.00 in Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

(i) “Grocery Stores and Supermarkets” (MCC 5411) are “Grocery Purchases”;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”;
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite, and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION Visa credit card.

Even though some merchants may sell Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Rides, gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (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 points earned by the amounts originally charged.

Legal Disclaimer16)

Refers to Purchase Security and Extended Warranty insurance. Coverage underwritten by RBC General Insurance Company in the province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. All insurance is subject to limitations and exclusions. Purchase Security Insurance provides coverage for direct accidental physical loss or damage to personal property or gifts that are paid in full on your RBC credit card for 90 days from the date of purchase. Refer to the insurance booklet for complete details.

Legal Disclaimer17)

Avion points are earned on qualifying net purchases only; they 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 points earned by the amounts originally charged.

Legal Disclaimer18)

RBC Canada, the Avion Rewards app, and RBC Online banking are operated by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. Standard message and data charges apply to any Bonus Offers you fulfill using your device.

Legal Disclaimer19)

To receive 3500 Avion points (or “welcome points”) and to be exempt from the annual fee for one year (the “annual fee waiver offer”), your application must be received by the date indicated on this landing page, and it must be approved by us. Upon enrolment, 3500 welcome points will appear within the first two billing cycles. Additional cardholder(s), as well as existing RBC ION+ Visa cardholders, applying for or transferring to an RBC ION+ Visa card as of the offer eligibility period, are not eligible for this offer. This offer is only eligible for the RBC ION+ Visa card if you are approved through this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

Legal Disclaimer20)

All rewards are subject to availability. The regular redemption rate for Avion Rewards members, is 3,500 Avion points for $25 in Amazon.ca, iTunes, Starbucks, McCafe, Indigo or Cineplex gift cards. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit www.avionrewards.com or call 1-800-769-2512.

Legal Disclaimer21)

You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 in Grocery Store Purchases per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 in Net Purchases (other than Grocery Store Purchases) per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited.

Unlimited means there is no maximum Cash Back Credits you can earn on Grocery Store and other purchases (up to your available credit limit) per Annual Period. Grocery Store Purchases are purchases made at merchants classified by Mastercard’s “Merchant Category Code” as “grocery stores and supermarkets” (MCC 5411). Royal Bank of Canada (“Royal Bank”) cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank of Canada be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, and/or ii) be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.

Legal Disclaimer22)

You will earn i) $2.00 back for every $100.00 (2% Cash Back Credit) in Grocery Store Purchases you make, up to a maximum of $6,000 per Annual Period, ii) $1.00 back for every $100.00 (1% Cash Back Credit) in Grocery Store Purchases you make in excess of $6,000 during an Annual Period, unlimited, iii) $0.50 back for every $100.00 (0.5% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, up to a maximum of $6,000 per Annual Period, and iv) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments), other than Grocery Store Purchases, in excess of $6,000 during an Annual Period, unlimited. Grocery Store Purchases are purchases made at merchants classified by Mastercard's "Merchant Category Code" as "grocery stores and supermarkets" (MCC 5411). Royal Bank of Canada ("Royal Bank") cannot guarantee that any merchant, operating in whole or in part as a grocery store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified by MCC 5411. To consult the list of participating merchants, please visit: www.rbc.com/nofeecashbackinfo (opens new window) Provided your New Cash Back Balance is $25.00 or more, Cash Back Credits earned during the year will i) automatically be credited to your January Account balance and appear on your February monthly statement, ii) and/or be credited to your account at any other time, upon request. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and certain 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. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbackterms.

Legal Disclaimer23)

Royal Credit Line for Students is provided by Royal Bank of Canada and is subject to its standard lending criteria. Offer may be changed, withdrawn or extended at any time, without notice. Not available in combination with any other rate discounts or offers. Some conditions apply. The minimum payment is the accrued interest and, only if applicable, service fees that apply for that period as well as your LoanProtector insurance premium and taxes. Co-signer is required for the following programs: Midwifery, Dental Hygiene, Physician Assistant, Registered Nursing.

Legal Disclaimer24)

Interest rate for Royal Credit Line is based on the Royal Bank Prime Rate, plus or minus a premium or discount depending upon your program of study. Two Royal Credit line cheques may be written during each monthly cycle without charge. A $2.00 Royal Credit Line Cheque Fee applies to each cheque thereafter. Refer to your Student Royal Credit Line Agreement for details.

Legal Disclaimer25)

RBC Online Banking is provided by Royal Bank of Canada. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, Avion Rewards and RBC eGift are operated by Royal Bank of Canada.

Legal Disclaimer26)

Offer available February 1, 2023 – May 31, 2023 (“Promotional Period”)

This Promotional 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 Promotional offer. The Bonus Offer is $100 with an Eligible Personal Banking Account.

To qualify for the $100 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on May 31, 2023 and complete one of the following Qualifying Criteria by 9:00 PM EST on July 31, 2023 using your Eligible Personal Banking Account:
i. a minimum of three (3) debit transactions;
ii. register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii. enroll for a Virtual Visa Debit Card and make one (1) transaction

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) of this section 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 Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 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.

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/student100terms.

Legal Disclaimer27)

“Up to $95” is a combined total of (a) $25 when you open an RBC Leo’s Young Savers Account by March 31, 2023 (footnote 27a), plus (b) Mydoh Bonus Offer of a no-monthly fee subscription with your first Mydoh account for the first 12-monhts of your subscription, valued at $35.88 a year (footnote 27b), plus a no-fee 6-month pass MoneyPrep single use promo code, valued at $5.99 per month (footnote 27c), each in accordance with their respective terms and conditions set out below.

Legal Disclaimer27a)

This LYSA Bonus Offer is available to any Eligible Clients without a Personal Banking Account with Royal Bank of Canada within the last 3 years before the start of the promotional period on January 10, 2023. The Bonus Offer is $25 with an RBC Leo's Young Savers Account^®. This account type is intended for clients 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo's Young Savers Account. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. 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 or modify this offer at any time without notice, even after acceptance by you. You must open your first new Eligible Personal Banking Account by 9:00 PM ET on March 31, 2023.

For full legal terms click here: rbc.com/leo25

Legal Disclaimer27b)

This product is only available in English.

Legal Disclaimer27c)

This limited time offer is not transferable and is available to first time MoneyPrep subscribers. In order to take advantage of this offer and receive a no-fee 6-month pass (valued at $5.99 per a month) (“Discount”) MoneyPrep single use promo code will be emailed to you to the email address you provided when opening RBC Leo’s Young Savers Account. You must download the MoneyPrep Kids Learning Games app between January 10, 2023 and May 15, 2023, inclusively (“Offer Period”), and enter the promotional code provided in the welcome RBC email during the app sign up process - click Play Now to begin. No purchase necessary, no payment information required unless you choose to extend. Promotional code can only be used once per client during the Offer Period, and is not redeemable for cash and has no face or cash value. No minimum spend required. Offer cannot be applied to purchases made prior to or after the conclusion of the offer. This offer may not be combined or used in conjunction with any other offers, and cannot be applied retroactively to previous purchases. Any refunds will not include the value of the promotional code. MoneyPrep Inc., not Royal Bank of Canada (“RBC”), is responsible for the sales, and terms and conditions applicable, which are available at: https://www.moneyprep.com/terms-and-conditions/, including those applicable to the use of the promotional code. RBC reserves the right to cancel, modify or withdraw this offer at any time. This product is only available in English. You have until May 31, 2023 to notify us by way of email at support@moneyprep.com if you believe you have qualified for but not received your “MoneyPrep Bonus Offer”.

Legal Disclaimer28)

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. Please refer to the section labelled “Rebates, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “Personal Deposit Accounts (PDA) Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document. You must advise us of your student status at the time of account opening an RBC Advantage Banking for students account and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.

Legal Disclaimer29)

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 $1.00.

Legal Disclaimer30)

When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.

Legal Disclaimer32)

To take advantage of this offer you must not have held an RBC InvestEase account prior to January 1, 2023. This offer applies to your first RBC InvestEase account only. Accounts opened from January 1, 2023 to June 30, 2023 using promo code SA668 will not be charged the regular 0.5% management fee by RBC InvestEase for 6 months from the date of account opening. RBC InvestEase will notify clients 60 days in advance of any changes to the fees associated with their account as set out in the investment management agreement. A weighted average management expense ratio will still apply to the ETFs held in our portfolios. For further information please refer to Pricing on https://www.rbcinvestease.com/. This offer cannot be combined with any other offers. RBC InvestEase Inc. reserves the right to amend or withdraw this offer at any time without notice.

RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs with each model portfolio holding up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.

The services provided by RBC InvestEase are only available in Canada.

Legal Disclaimer35)

Real-time streaming quotes are available automatically to all clients for exchange listed equities, ETFs and most over-the-counter (OTC) securities. Real-time streaming quotes for options and grey market OTC securities are available to Active Traders and Royal Circle clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site.

Legal Disclaimer36)

Fund transfers from an RBC Royal Bank account to your RBC Direct Investing account using RBC Online Banking, Direct Investing Online Investing, or the RBC Mobile app are processed in real time between the hours of 4:30 a.m. and 7:54 p.m. ET, seven days a week. Transfers into an RBC Direct Investing account made outside of these hours will be processed the next morning. Transfers out of your RBC Direct Investing account to an RBC Royal Bank account are processed in real-time between 9:00 a.m. and 4:00 p.m. ET, Monday to Friday (excluding holidays). Transfers out of your RBC Direct Investing account made outside of these hours will be processed the next business day. Locked-in, Registered Retirement Income Fund, and Registered Education Savings Plan (transfer out only) accounts excluded. Other conditions apply.

Legal Disclaimer37)

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.

Legal Disclaimer38)

Legal Disclaimer39)

To participate in the Program as an Eligible Avion Rewards Core Product Account Client, you must have at least one Avion Rewards Core Product Account and either i) have at least one Rewards Account or ii) enroll in the Program through either www.avionrewards.com or the Avion Rewards app. Where the Avion Rewards Core Product Account is jointly owned, each joint owner must enroll separately.

Legal Disclaimer47)

21.99% if you reside in Quebec.

Legal Disclaimer48)

Primary Cardholders can get 500 Avion points for completing each of the following activities within 60 days of approval, up to a maximum of 3,500 Avion points: (i) share their email address with us; (ii) sign up for eStatements for the card; (iii) download and sign into either the RBC Mobile app, RBC Wallet or Avion Rewards app; and, if the Primary Cardholder banks with us, (iv) make an Interac e-Transfer with the RBC Mobile app or RBC Online Banking (US Dollar accounts are not eligible for this Bonus Offer); (v) transfer funds with the RBC Mobile app or RBC Online Banking; (vi) deposit a cheque with the RBC Mobile app; (vii) pay a bill with the RBC Mobile app or RBC Online Banking. It may take up to 60 days after Bonus Offers expire for the Bonus Points to appear on the credit card statement. The Primary Cardholder can provide us their email address and sign up for eStatements through RBC Online Banking, by visiting a branch or calling 1-800-769-2512. Only the Primary Cardholder of an RBC ION Visa card is eligible for these offers. Additional cardholder(s), as well as existing RBC ION Visa cardholders at any relevant time are not eligible for these offers. Royal Bank of Canada reserves the right to cancel, modify or withdraw this Offer at any time.

Legal Disclaimer49)

All rewards are subject to availability. The regular redemption rate for Avion Rewards members, other than RBC ION cardholders, is 3,500 Avion points for a $25 gift card for Amazon.ca, iTunes, Starbucks, McCafe and Cineplex. Point redemption values may fluctuate. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit www.avionrewards.com or call 1-800-769-2512.

Legal Disclaimer51)

To be eligible for this offer your application for the RBC ION Visa must be received by the date indicated on this page and must be approved by us. Upon enrolment, 6,000 (“welcome points”) Avion points will appear within the first two monthly statements. Additional cardholder(s), as well as existing cardholders of any RBC credit cards, applying for or transferring to an RBC ION Visa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512

Legal Disclaimer52)

To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. Additional cardholder(s), as well as existing cardholders of any RBC credit cards, applying for or transferring to an RBC ION+ Visa, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. For complete terms and conditions that apply to the Avion Rewards Program, please visit https://www.avionrewards.com/terms-and-conditions.html or call 1-800-769-2512.

Legal Disclaimer53)

You will earn 3 Avion points for every $1.00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Depending on how certain merchants are categorized by Visa’s “Merchant Category Code” (MCC) they may not qualify as an eligible MCC. Eligible MCCs are listed as:

(i) “Grocery Stores and Supermarkets” (MCC 5411), “Eating Places and Restaurants” (MCC 5812), “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” (MCC 5813), “Fast Food Restaurants” (MCC 5814), “are “Grocery, Dining, and Food Delivery Purchases”. Government liquor agencies and package stores that sell beer, wine, and liquor do not qualify as part of the “Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques” MCC;
(ii) “Service Stations (With or without Ancillary Services)” (MCC 5541), “Automated Fuel Dispensers” (MCC 5542), “Taxicabs and Limousines” (MCC 4121), “Local and Suburban Commuter Passenger Transportation, Including Ferries” (MCC 4111), “Electric Vehicle Charging” (MCC 5552) are “Rides, Gas & Electric Vehicle Charging Purchases”. Non-commuter passenger railway purchases and non-commuter bus line purchases do not qualify as part of “Rides, Gas & Electric Vehicle Charging Purchases”.
(iii) “Digital Goods Media – Books, Movies, Music” (MCC 5815), “Digital Goods – Games” (MCC 5816), “Digital Goods – Applications (Excludes Games)” (MCC 5817), “Digital Goods – Large Digital Goods Merchants” (MCC 5818), “Cable, Satellite and Other Pay Television/Radio/Streaming Services” (MCC 4899) are “Streaming, Digital Gaming & Subscriptions Purchases”. The “Digital Goods – Games” MCC does not include games of chance and gambling.

You will earn 1 Avion point for every $1.00 on all other purchases (including pre-authorized bill payments) you make on your RBC ION+ Visa credit card.

Even though some merchants may sell Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, Digital Gaming & Subscriptions merchandise, purchases made at these locations may not necessarily qualify as Eligible MCCs if the merchant is not classified as such by Visa. Also, you may make a purchase at a merchant that is not classified as an Eligible MCC but is located on the premises of a merchant that is classified as an Eligible MCC, in which case your purchase would not qualify as an Eligible MCC. We cannot guarantee that any merchant, operating in whole or in part as a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions merchant is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchase made at a merchant that is not classified as an Eligible MCC. Avion points are earned on net purchases only; they are not earned on cash advances (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 points earned by the amounts originally charged.

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Effective for all account holders as of December 1 2022. NOTE: The Leo’s Young Savers Account is not eligible for the RBC Virtual Visa Debit card, and therefore incapable of RBC Virtual Visa Debit Debit Transactions.

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Purchase Rate: 19.99% (20.99%, as of April 1, 2023)