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Powerful benefits every day with any eligible RBC bank account.
Get the new Apple Watch
with an eligible RBC bank accountlegal bug 1
Choose your case size, colour and band!legal bug*
Offer Ends June 3, 2024
Unlock More from Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. Only at RBC.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 4 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 22
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 23
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 24 learn your spending patterns to find your extra dollars and move them to a savings account for you.
Get rewarded for the things you do every day
You can now earn Avion points when you enrol an eligible account in the Value Program and use your account to make debit purchases in-store or online.legal bug 2
Combine points with those earned with your Avion Rewards credit card and redeem them for gift cards, travel and much more!
Save on monthly fees—no minimum balance needed
Pay as low as $0/month when you use your account and have other products.legal bug 3
Save on monthly fees—no minimum balance needed
Save on your account’s monthly fee when you enrol in the Value Program, have other RBC products—like a mortgage and an investment—and do simple activities such as direct deposit.legal bug 3
The best part? You can enrol in the Value Program at no additional cost.
Save cash on gas
Link your eligible RBC debit card or credit card to your Petro-Points card to save 3¢/L on gaslegal bug 5 and earn 20% more Petro-Pointslegal bug 20 at Petro-Canada locations.
Get personalized insights with NOMI
Want to know what you spent on groceries last month or if a payment might be due? NOMI Insights can tell you this and more. It can even let you know if an unusual transaction was made on your account. Only available in the RBC Mobilelegal bug 21 app.
See all your cost savings and rewards—in one place.
Keep track of the benefits you get with an eligible RBC bank account using the Vantage Snapshot in the RBC Mobile app.
Get the right account—or your money back.
If you’re not 100% satisfied within the first 4 months, we’ll refund up to 3 months of monthly fees.legal bug 4 That’s our Right Account Guarantee®.
Know your money is safe.
Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal bug 22
Never worry about a lost card.
Easily lock a misplaced debit or credit card in the RBC Mobile app. Unlock it just as fast.
Enjoy personalized offers from the brands you love.
Load available offers to your eligible RBC debit card and get rewarded with offers from popular brands.legal bug 23
Save money you didn’t even know you had.
Let NOMI Find & Savelegal bug 24 learn your spending patterns to find your extra dollars and move them to a savings account for you.
Find the Account That’s Right for You
Find the Account That’s Right for You
There’s no minimum balance needed—even to save on fees.
RBC Day to Day Banking
$4
monthly feelegal bug 6
$0
$0
-
12 debits/month, plus unlimited free debits for eligible
public transitlegal bug 11 - FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
RBC Advantage Banking
$11.95
monthly feelegal bug 6
$5.95 or $0
$0
$0
- Unlimited debits in Canada
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- No RBC fee to use another bank’s ATM in Canadalegal bug 14,legal bug 15
RBC Signature No Limit Banking
$16.95
monthly feelegal bug 6
$10.95 or $5
$12.95
- Unlimited debits in Canada
- Overdraft Protection fee waivedlegal bug 25
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- 3 non-RBC ATM fees waived/monthlegal bug 16
- Up to $48 rebate on the annual fee of an eligible credit cardlegal bug 17
RBC VIP Banking
$30
monthly feelegal bug 6
$24 or $18.05
$22.50
- Unlimited debits worldwide
- Overdraft Protection fee waivedlegal bug 25
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- No RBC fee to use ATMs worldwidelegal bug 14,legal bug 15,legal bug 18
- Up to $120 rebate on the annual fee of an eligible premium credit cardlegal bug 19
RBC Day to Day Banking
$4
monthly feelegal bug 6
$0
$0
-
12 debits/month, plus unlimited free debits for eligible
public transitlegal bug 11 - FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
RBC Advantage Banking
$11.95
monthly feelegal bug 6
$5.95 or $0
$0
$0
- Unlimited debits in Canada
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- No RBC fee to use another bank’s ATM in Canadalegal bug 14,legal bug 15
RBC Signature No Limit Banking
$16.95
monthly feelegal bug 6
$10.95 or $5
$12.95
- Unlimited debits in Canada
- Overdraft Protection fee waivedlegal bug 25
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- 3 non-RBC ATM fees waived/monthlegal bug 16
- Up to $48 rebate on the annual fee of an eligible credit cardlegal bug 17
RBC VIP Banking
$30
monthly feelegal bug 6
$24 or $18.05
$22.50
- Unlimited debits worldwide
- Overdraft Protection fee waivedlegal bug 25
- FREE Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13
- No RBC fee to use ATMs worldwidelegal bug 14,legal bug 15,legal bug 18
- Up to $120 rebate on the annual fee of a premium credit cardlegal bug 19
Want help choosing a chequing account? Let’s find it now.
Want help choosing a chequing account? Let’s find it now.
How many purchases, withdrawals and bill payments do you make each month?
Tip: Exclude Interaclegal bug ‡ e-Transfer transactionslegal bug 12,legal bug 13, public transit purchaseslegal bug 11, and transfers between RBC accounts - they’re free.
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Support & Resources
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Your Top Questions Answered
Your Top Questions Answered
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
- Earn Avion points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account.legal bug 2
- Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each month.legal bug 3
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC card.legal bug 5
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands.legal bug 23
The following RBC bank accounts are eligible to be enrolled in the Value Program:
- RBC Day to Day Banking
- RBC Advantage Banking (includes RBC Advantage Banking for students)
- RBC Signature No Limit Banking
- RBC VIP Banking
- RBC No Limit Banking (discontinued)
- RBC Student Banking (discontinued)
- RBC No Limit Banking for Students (discontinued)
- RBC Day to Day Savings
- RBC Enhanced Savings
- RBC High Interest eSavings
No, you can only receive one monthly fee rebate per bank account. For example, you cannot receive both the Value Program Rebatelegal bug 3 and the Seniors Rebatelegal bug 7 on the same account in the same month. We automatically apply to your account the highest value rebate you are eligible for each month.
If you have multiple bank accounts, you could receive a different monthly fee rebate for each account, as long as you meet the eligibility requirements to receive each of the rebates.
Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.
There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank accountlegal bug 2 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.
Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.
Learn more about Avion Rewards.
Yes. To deposit a cheque in RBC Mobile, simply:
- Tap Move Money in the Navigation Bar
- Tap Deposit a Cheque
- Follow the on-screen instructions
See what it's like to deposit a cheque with the RBC Mobile app
Offers is our way of helping you do more when you choose to pay with your RBC Royal Bank personal or business chequing account or credit card. It allows you to take advantage of a wide range of offers to help you save money and earn bonus Avion points on your shopping, travel, dining and more.
Simply sign in to RBC Royal Bank Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers. You can also get your offers from the Avion Rewards app.
RBC Royal Bank personal and business savings accounts are not eligible at this time.
Whether you bank or invest through the RBC Royal Bank Online Banking service, or the RBC Mobile app, you're covered by an Online Banking Security Guarantee. If an unauthorized transaction is conducted through your RBC Royal Bank, RBC Direct Investing or RBC Dominion Securities accounts on RBC Mobile, you'll be reimbursed 100% for any resulting losses to those accounts.
For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Banking Security Guarantee, please see your Electronic Access Agreement. This guarantee is given by Royal Bank of Canada in connection with its Online Banking service.
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. The number of waived fees per month are not cumulative, and if not used, may not be carried over into the next Monthly Cycle.
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
Eligibility criteria for an offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific offer for more details.