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I'm Moving to Canada

Moving to a new country can be overwhelming and will include many questions. Let us make your transition easier by providing you with trusted advice and resources to help you get off to a great start.

Preparing to Move

Getting the right advice before you arrive will make it that much easier to settle in. Here are some resources to help set you on the right path:

Banking in Canada

Banking in Canada may be different from what you're used to. We can help you understand how it works here so that you're prepared when you arrive.

Credit in Canada

When you arrive, it's important to start building a Canadian credit history. Let us help you understand this topic and the ways we can help.

I Just Arrived (0-6 Months)

Welcome to Canada! We know you have a lot to do and all kinds of things to get familiar with. Let us guide you with the right resources, tools and solutions to help you get off to a great start.

Tip for New Arrivals

Have you visited a Government Service OfficeExternal Site yet to apply for your government-issued documents? (It's important to do so within your first 100 days here.)

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Open Your Bank Account

Opening your Canadian bank account now is one of the top things you can do to make your transition easier. Let us help you choose the perfect account.

Get Your First Credit Card

As a newcomer, it's important to build a Canadian credit history. Let us help you understand this topic and apply for your first Canadian credit card.

I'm Settling In (6+ Months)

As you build your new life in Canada, let us help you take the next step towards getting settled. Whether you feel ready to buy a home, invest or start a business—or you just need banking and credit assistance—we can help.

Banking and Borrowing

Need a bank account, a Canadian credit card or financing to buy a car? You'll find what you need here!

Buying a Home in Canada

Enjoy fast, easy approvals and mortgage solutions designed just for newcomers.

Investing for the Future

Let us provide expert advice and guidance to help you create a bright future for yourself and your family.

Starting a Small Business

Achieve your dream of starting a business in Canada with all the tools and resources you need at RBC.

The RBC Newcomer Advantage

Get everything you need for a great financial start in Canada. Discover products and services that can help you settle in faster―including offers valued at up to $550⁸³. Plus, get up to a $15,000 credit limit on a new RBC credit card⁹.

Offers and Services from Our Partners

As an RBC client, you can also enjoy special savings and services from RBC and partner brands.

Learn More

Solutions and Advice

Bank, Borrow and Invest with RBC

Apply for your first Canadian bank account and credit card, buy your first car or home and more!

How Can We Help You?

We understand that moving to a new country comes with many challenges–let us help answer any questions you may have. Our phone services are available in up to 200 languages.

Call to book an appointment to open a bank account over the phone or by video conference.

Connect with an RBC Newcomer Advisor

Book an Appointment to Visit a Branch

For the health and safety of our employees and communities, RBC has temporarily closed a number of branches, reduced hours, and is limiting the number of clients permitted at any given time to practice physical distancing. Open branches also have Plexi Protection Screens installed.

We encourage clients to bank at home if possible.

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Discover & Learn

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Available to international students who have arrived in Canada within the last 5 years. Must show proof of entry into Canada with supporting documents, i.e., passport and study permit.

To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) ("RBC Card"). An "Eligible RBC Credit Card" is any RBC personal credit card, excluding RBC Avion Visa Infinite Business, RBC Visa CreditLine for Small Business, RBC Visa Business, RBC Business Cash Back Mastercard and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf

You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to 2 business days to process before Be Well points can be applied to purchases.

Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details, and defined terms visit Be Well Terms and Conditions available at https://www.letsbewell.ca/terms-conditions.

Be Well points are not awarded on taxes; tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and wireless or long distance phone cards; event tickets; transit tickets and passes; post office transactions; stamps; passport photos; cash back; gifts with purchases; delivery charges; environmental levies; Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.

Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts with RBC. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.

No annual fee is available with the following RBC Royal Bank credit cards: RBCCash Back Mastercard, RBC Rewards + Visa, RBC Visa Platinum.

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You may be eligible for an RBC Royal Bank residential mortgage or mortgage within an RBC Homeline Plan, even if you have no or thin Canadian credit history, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada and do not have adverse credit bureau information . All residential mortgages and lending products are provided by Royal Bank of Canada are subject to its standard lending criteria. Available to permanent residents who have been in Canada less than 5 years. Temporary residents may also apply. To take advantage of these offers, you must show proof of entry into Canada and provide supporting documents such as a passport, and landing papers (work permit/visa) or Canadian permanent resident card. Additional documents may be required to validate down payment funds sourced from another country.

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For applications that result in a written mortgage pre-approval or approval, containing an interest rate commitment, the interest rate is guaranteed for up to 120 days from the rate commitment. The mortgage must fund within 120 days from the start of the rate commitment. Other terms and conditions may apply. See your RBC mortgage specialist or find an RBC mortgage specialistAnother RBC site for more details.

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Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the standard monthly fee applicable to your account type will be charged: monthly fee of $11.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, which expires October 31, 2021. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note 1. Offer may be withdrawn or amended at any time without notice. See complete terms and conditionsPDF that apply to this promotional offer.

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Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank credit card payments, 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) and electronic self-serve fund transfers from your savings account to any account in your name are free of charge. All other Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give rise to an Excess Debit Transaction Fee, if any free monthly Debit Transaction is exceeded.

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Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.

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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, U.S. Personal Account, Leo's Young Savers account or RBC Advantage Banking account for students 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.

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International Money Transfer transactions that are under $1,000 will be $6 per transaction. Transactions between $1,000.01 to $2,500 will be $10 per transaction. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from Canadian dollar bank accounts. The service is not available to recipients in Canada and in restricted countries. You cannot send an International Money Transfer from a U.S. dollar account or the RBC High Interest eSavings account.

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Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. If you don't qualify for an unsecured RBC Royal Bank credit card, you may still be eligible for a credit card provided you give us a security deposit and meet Royal Bank of Canada's eligibility criteria. To receive 2,500 welcome RBC Rewards points, your application form must be received by October 31, 2022 and approved by us. Upon enrolment, 2,500 bonus RBC Rewards points will appear on your first credit card statement. Additional cardholder(s), as well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer. Offer may be amended or withdrawn at any time without notice.

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To receive the 20,000 bonus RBC Rewards points, your application form must be approved by us. Upon enrolment, 20,000 bonus RBC Rewards points will appear on your first credit card statement. Bonus points offer is only offered to the Primary Business Cardholder on the account; Secondary Business Cardholder as well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. RBC Royal Bank reserves the right to withdraw this offer at any time, even after acceptance by you.

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Get preferred interest rates on select GICs. Contact an RBC branch for more details.

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Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and October 31, 2022 (Promotional Period) by opening an RBC Advantage Banking account, RBC Signature No Limit Banking account or RBC VIP Banking account (each an Eligible Personal Banking Account). International Money Transfer (IMT) transaction fee waivers will be given for up to 12 months from the date of account opening, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC Advantage Banking and RBC Signature No Limit Banking accountholders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking accountholders (the ""IMT Offer""). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. This IMT Offer applies only to the first personal banking account opened per newcomer during the Promotional Period, no matter how many Eligible Personal Banking Accounts one may open during the Promotional Period. If the first personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. The IMT Offer will apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the non-eligible account being opened, provided that both the non-eligible account is opened and the upgrade to an Eligible Personal Banking Account is completed within the Promotional Period. The IMT Offer applies to only one account opening during the Promotional Period per Eligible Personal Banking Account, even if the Eligible Personal Banking Account is opened jointly and by more than one co-owner newcomer. In this case, only the co-owner designated as the Primary Owner at the time of opening of the jointly-held Eligible Personal Banking Account will qualify for the IMT Offer. The Eligible Personal Banking Account opened to qualify for the IMT Offer must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded to an ineligible account type or closed, the IMT Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited.

After IMT Offer, International Money Transfer transactions that are under $1,000 have a fee of $6 per transaction. Transactions between $1,000.01 to $2,500 have a fee of $10 per transaction. Excess debit transaction fee may also apply depending on the account. Additional service fees by any intermediary and receiving bank may also apply. Maximum of $2,500 Canadian dollars or Canadian dollar equivalent per client per day. Transfers can only be made from eligible Canadian dollar bank accounts. The IMT service is not available for money transfer transactions with recipients in Canada or in restricted countries. You cannot send an IMT from a U.S. dollar account or an RBC High Interest eSavings account.

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If you are a post-secondary student and an owner or co-owner of an RBC Advantage Banking for students account (each, an "Eligible Student Bank Account") and the primary cardholder of either the 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. You will still be responsible for all other interest charges or fees. 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, every year, you must:

complete the Student Information section of the credit card application form in full,
remain a student, and
be an owner or co-owner of an Eligible Student Bank Account throughout your studies.

Eligible Credit Cards	Annual Fee Rebate
Signature RBC Rewards Visa card^†	$39
WestJet RBC Mastercard	$39

Subject to credit approval

You will continue to benefit from the rebate on your annual fee until: i) you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever occurs earlier, as long as your credit card account remains in good standing. 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.

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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, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard.

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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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Open an eligible business deposit account for your first business in Canada and receive a $50 bonus which will be credited to your new business deposit account within 90 days. Eligible business deposit accounts include: RBC Digital Choice Business account package, RBC Flex Choice Business account package and RBC Ultimate Choice account package. This offer is only available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer cannot be combined with any other offer. The account must remain open for at least 6 months from the date it was opened. If the account is closed within 6 months, Royal Bank of Canada reserves the right to recover the full cash credit. RBC can amend or withdraw this offer at any time without notice.

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Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, or the RBC High Interest eSavings account.

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RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Canada, RBC Rewards and RBC eGift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Standard message and data charges apply. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees.

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Apple, Apple Pay, iPhone, iPad and MacBook Pro are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. All other trademarks are the property of their respective owner(s). View the full list of Terms and Conditions for use of RBC Royal Bank credit cardsAnother RBC site and/or debit cardsAnother RBC site with Apple Pay.

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For sole proprietorship registration, "$89 back" offer, and for incorporation, "$300 back" offer are each inclusive of any applicable taxes ("Offer"). Offer available when you register or incorporate with Ownr and apply and get approved for a new RBC business deposit account associated with the business registered or incorporated with Ownr ("BDA") within 60 days ("Application Criteria"). Royal Bank of Canada (not Ownr or RBC Ventures Inc.) will in its discretion make approval decisions for all BDA applications. Once you complete the Application Criteria, you must log back into your Ownr account and click 'Refund Me'. You will receive the Offer as a credit in your BDA within 7-10 business days of clicking 'Refund Me'. To qualify for this Offer your BDA must remain open for a period of 1 year from the date it is opened but there is no minimum balance that must be maintained in your BDA. If you received this Offer then change or close your BDA within 1 year of the date it was opened, we reserve the right to debit from your BDA an amount equal to the value of this Offer (inclusive of applicable taxes), even if this places the BDA into overdraft. Offer may be revised or withdrawn at any time without notice.

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Request Money is a feature of the Interac e-Transfer service. RBC business deposit accounts will incur an Interac e-Transfer fee of $1.50 for each funds request sent. Recipients of the request may have payment limits at their Financial Institutions.

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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 that is 2.5% above the benchmark 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

ATM - Unlimited banking transactions includingInterac 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.

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Autodeposit is a feature of the Interac e-Transfer service. There are no additional fees to register or receive funds via Autodeposit. Standard fees and charges, such as Regular account deposit fees, apply.

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RBC will refund the Interac network access fee for RBC Signature No Limit Banking account holders, up to a maximum of 3 refunds per Monthly Cycle, if used. RBC will refund the Interac network access fee for RBC VIP Banking account holders, if used. ATM operator surcharge (also called convenience fee) charged by other ATM operators may apply. The convenience fee is not an RBC 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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The interest rate is an annual interest rate and a simple interest calculation. Interest is calculated daily on the closing credit balance. Deposit interest is paid monthly to the account on the second business day of the following calendar month, backdated to the previous business day. Interest rate is subject to change at any time without notice. http://www.rbcroyalbank.com/rates/persacct.htmlAnother RBC site

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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/nofeecashbackAnother RBC site. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/nofeecashbackAnother RBC site.

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You will earn i) 1 RBC Rewards point for every $1.00 in Gas, Grocery, and Drug Store Purchases you make; and ii) 1 RBC Rewards point for every $2.00 on all other purchases (including pre-authorized bill payments) you make on your card. Purchases made at merchants classified by Visa's "Merchant Category Code" (MCC) as: (i) "service stations" (MCC 5541) or "automated fuel dispensers" (MCC5542) are "Gas Purchases"; (ii) "grocery stores" (MCC 5411) are "Grocery Purchases"; and (iii) "drug stores & pharmacies" (MCC 5912) are "Drug Store Purchases" ("Eligible MCCs"). Even though some merchants may sell gas, grocery, and drug store 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 gas, grocery or drug store, is classified as an Eligible MCC and in no event will we be liable or responsible for any claims with respect to a grocery store purchase made at a merchant that is not classified as an Eligible MCC. RBC Rewards 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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Down payment of less than 20% of the value of a property requires a maximum 25-year amortization and will not qualify for a 30-year amortization. In addition, if your down payment is less than 20%, you must pay a mortgage default insurance premium charged by a mortgage insurer. This insurance protects the financial institution if you ever default on your mortgage. Available for Conventional Newcomer Equity and Standard Programs. Default insured programs are limited to 25 years.

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This is provided for informational purposes only and is not intended as legal or other professional advice. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria.

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This information is in summary form and is intended for general guidance and information only. It is not intended to provide financial, legal or other advice. It should not be regarded as comprehensive or a substitute for professional advice.

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This publication provides general information only and is not intended to provide specific advice. Not intended to offer services or solicit customers where prohibited by law. Automotive financing products are offered by Royal Bank of Canada and are subject to its standard lending criteria. Some additional conditions apply. Offer may be changed or withdrawn at any time, without notice. Not available in combination with any other rate discounts, offers or promotions.

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Income earned in a TFSA is tax-free in Canada. There are penalties if excess contributions are made. If a Canadian resident is subject to taxation on their world income in another country (e.g. based on citizenship), the TFSA income may not be tax-free in that country. U.S. taxpayers who hold TFSAs need to comply with U.S. tax requirements such as the annual filing on a timely basis of IRS Forms 3520 and 3520-A.

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The TFSA only shelters foreign workers' investment income from Canadian tax; seek professional advice regarding tax rules in other jurisdictions.

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Income earned in an RESP is tax-deferred in Canada. There are penalties if excess contributions are made. If a Canadian resident is subject to taxation on their world income in another country (e.g. based on citizenship), the RESP income may not be tax-free in that country. U.S. taxpayers who contribute to RESPs need to comply with U.S. tax requirements such as the annual filing on a timely basis of IRS Forms 3520 and 3520-A.

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Foreign workers and international students may begin contributing to an RRSP or RESP before obtaining or applying for permanent residency.

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The maximum RRSP contribution limit for 2018 is $26,230; for 2017, it was $26,010.

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ETFs, stocks and bonds may be purchased through RBC Direct Investing, our low-cost online investing and trading service for self-directed investors or RBC Wealth Management.

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When you use Virtual Visa Debit to make a payment: a) The merchant performs an authorization on your personal deposit account at the time of the purchase and this authorization amount is immediately debited from that account. This process is followed by a settlement, typically 2-5 business days after authorization, which finalizes the amount of the purchase and, in some cases, reflects adjustments to the initial authorization amount. When this happens, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final settlement amount of your purchase. b) The funds are debited from your personal deposit account, which is the account you access with your RBC Royal Bank Client Card when you select the "Chequing" option on a point-of-sale terminal or at an ATM. If the account linked to the primary chequing position on your Client Card is changed before a payment has been settled, it may impact the processing of that payment if the merchant needs to adjust the initial authorization amount. The final settlement amount will be processed on the account that is linked to the primary chequing position on your Client Card at the time of settlement, even if a different account was debited for the authorization amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for further details.

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Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

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When you use your Virtual Visa Debit Number 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 Visa International, a subsidiary of Visa Inc., on the date of the conversion. For most transactions, the authorization amount debited by the merchant at the time of purchase will be adjusted at settlement to reflect changes in the applicable exchange rate.

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You will earn i) $1.00 back for every $100.00 (1% Cash Back Credit) in Net Purchases you make (including pre-authorized bill payments) and, ii) for the first 3 full monthly statement periods (approximately 3 months from the date your Account is opened), you will earn an additional $1.00 back for every $100.00 (1% Cash Back Credit welcome bonus, for a total of 2%) in Net Purchases you make (including pre-authorized bill payments), up to a maximum combined Cash Back Credit of $650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the additional $1.00 Cash Back Credit welcome bonus will only apply for the first 3 full monthly statement periods in your first Annual Period. 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 at any other time, upon request. Cash Back Credits 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 cash back credits earned by the amounts originally charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For complete details, please refer to the RBC Cash Back Program Terms and Conditions at: www.rbc.com/cashbacktermsPDF. Royal Bank of Canada reserves the right to withdraw or amend this benefit at any time.

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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 ConditionsExternal Site. Each time you use your linked Eligible RBC Card that earns RBC Rewards points to pay for purchases at a retail Petro-Canada location, you will earn a bonus of twenty percent (20%) more RBC Rewards points than you normally earn for every $1 in purchases in accordance with the RBC Rewards Terms and ConditionsAnother RBC site. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into your RBC Rewards account.

⁵²

To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) ("Eligible RBC 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.

⁵³

Petro-Canada and Petro-Points are trademarks of Suncor Energy Inc. Used under licence. All other trademarks are the property of their respective owner(s).

⁵⁴

The annual contribution limit is $5,500. This limit will rise along with inflation in future years, in $500 increments. In addition, you can carry forward unused contribution room indefinitely. Previous contribution limits were $5,500 for 2016 and 2017, $10,000 for 2015, $5,500 for 2013 and 2014, and $5,000 for the years 2009 to 2012. Your TFSA contribution limit is tracked by the Canada Revenue Agency (CRA); if you are unsure of your limit, please check with the CRA.

⁵⁷

To participate in this offer as an RBC business client, you must have an RBC client card or credit card issued by Royal Bank of Canada (excluding RBC Commercial Avion, RBC Commercial U.S. Dollar Visa, RBC Commercial Cash Back Visa, and RBC Commercial Visa) ("Eligible RBC Card"). When you participate in the Linked Loyalty Program as an RBC business 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. You must be enrolled in RBC Online Banking for Business in order to link. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. For more information, visit rbc.com/linkbusinessAnother RBC site.

⁵⁸

Unlimited means there is no maximum cash back credits you can earn on Grocery Store Purchases and other purchases (up to your available credit limit) per Annual Period. For complete RBC Cash Back Program Terms and Conditions, please visit: www.rbc.com/cashbacktermsPDF

⁵⁹

Includes electronic (digital) debit and credit transactions to the account, such as online bill payments, pre-authorized payments (PAPs) and point of sale (POS) transactions. Standard fees apply for other services, including cheques and cash deposited at RBC ATMs, Pay Employees & Vendors (PEV), Interac e-Transfer transactions and wire transfers not expressly included in the package when completed online.

⁶⁰

Only includes outgoing Interac e-Transfer transactions sent on the RBC Online Banking for business platform. Excludes all other Interac e-Transfer services such as Autodeposit, Request Money, Request Money Fulfillment and Bulk Interac e-Transfer service.

⁶¹

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.

⁶²

To get a short-haul flight to any adjoining province/state in Canada or the U.S., you will need a total of 15,000 RBC Rewards points, for a maximum ticket price of $350. To receive the 15,000 bonus RBC Rewards points which will appear on your first statement, your application form must be approved by us. Additional cardholder(s), as well as cardholder(s) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite card as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with another offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit https://www.rbcrewards.com/travel-rewards/avion-redemption-grid/Another RBC site. Some restrictions apply. For complete terms and conditions that apply to the RBC Rewards program, please visit: http://www.rbcrewards.comAnother RBC site or call 1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

⁶³

Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable travel arrangements that were purchased with your RBC Avion Visa Business card if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your RBC Avion Visa Business card, and interrupted due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages.

⁶⁴

All insurance is subject to limitations and exclusions. Insurance benefits are available to Canadian residents only. Coverage underwritten by Aviva General Insurance Company in the Province of Quebec and by RBC Insurance Company of Canada in the rest of Canada. Please refer to the insurance certificates included in your Welcome Kit for complete details.

⁶⁵

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.

⁶⁶

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.

⁶⁷

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.

⁶⁸

The length of hold will be four (4) business days after the day of the deposit if the cheque or other negotiable item is deposited in person with an employee at one of RBC's branches or points of service and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution.

The length of hold will be five (5) business days after the day of deposit if the cheque or other negotiable item is deposited in any other manner, such as at an Automated Teller Machine (ATM) or using our Mobile Cheque Deposit service, and is in Canadian dollars, drawn on a Canadian branch of a Canadian financial institution.

The length of hold will also be five (5) business days after the day of deposit if the cheque or other negotiable item is in U.S. dollars and drawn on a Canadian branch of a Canadian financial institution.

⁶⁹

The length of hold will be fifteen (15) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution.

⁷⁰

The length of hold will be twenty-five (25) business days after the first business day of deposit if the cheque or other negotiable item is drawn on a foreign bank other than a U.S. bank and is deposited at a Canadian branch of a Canadian financial institution.

⁷¹

⁷²

Subject to credit approval. The variable annual interest rate will be determined based on information you provide on the application and any credit bureau information. The annual interest rate is based on the Prime Rate plus an additional premium that ranges between 2.9% and 11.9%. Your premium will be calculated on an annual basis and could only change once a year. Prime Rate means the annual rate of interest Royal Bank of Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first business day of the month will be the Prime Rate we use for the purposes of calculating your annual interest rate for the statement period ending in that month, even if our Prime Rate has changed during the month. The Prime Rate may fluctuate from time to time. It can be found in all our branches or online at www.rbcroyalbank.com/ratesAnother RBC site.

⁷³

RBC Royal Bank style cheques can be ordered only through RBC's third-party authorized cheque-printing service provider. The order must be placed within three years of the Account opening date. The first order is for 50 free personalized cheques with no special add-on cheque features and includes shipping and handling, afterwards fees apply.

⁷⁴

⁷⁵

When you enroll your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn RBC Rewards points within the RBC Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the RBC 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. RBC Rewards points are governed by the RBC Rewards Terms and ConditionsAnother RBC site 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.PDF

⁷⁶

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 and Discounts: RBC Advantage Banking for studentsPDF" in the document entitled "Addendum to April 30, 2020 Personal Deposit Accounts 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.

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.

⁷⁷

Your RBC Virtual Visa Debit is associated with your primary chequing account. 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. RBC Virtual Visa Debit is not available to business clients.

⁷⁸

RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Mobile Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.

⁷⁹

Arrive is powered by RBC Ventures Inc., a subsidiary of RBC.

⁸¹

Offer available November 15, 2021 - January 17, 2022 ("Promotional Period")

This 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 opens another RBC site in a new window of the offer. The Bonus Offer is $60 with an Eligible Personal Banking Account.

To qualify for the $60 you must open your first new Eligible Personal Banking Account by 9:00 PM EST on January 17, 2022 and complete two of the following Qualifying Criteria by 9:00 PM EST on March 31, 2022 using your Eligible Personal Banking Account:

i) a minimum of one (1) mobile cheque deposit using the RBC Mobile app;
ii) a minimum of one (1) Interac e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii) a minimum of one purchase transaction completed 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.

The $60 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/isofferterms60 opens another RBC site in a new window

⁸²

We will rebate the standard NSF fee of $45.00 for your first NSF transaction in a given calendar year. You will be charged $45.00 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.

⁸³

Up to $550 value is a combination of: (i) 12-month monthly fee waiver with an RBC Advantage Banking account (a value of $143.40 based on the monthly fee of $11.95), (ii) fee waiver for up to 2 International Money Transfer transactions per month for one year ($10 for each IMT transaction, up to $240 value) until October 31, 2022, (iii) small safe deposit box fee waiver for two years ($120 value) until December 31, 2021, (iv) up to 6,000 RBC Rewards points with an RBC Rewards+ Visa credit card (up to $60 value).

⁸⁴

Up to 6,000 RBC Rewards points is a combination of 2,500 welcome RBC Rewards points exclusive to eligible newcomers, as outlined in note 71, and the digital bonus offer of up to 3,500 RBC Rewards points set out in note 86.

⁸⁵

RBC Rewards+ Visa cardholders get our most popular $25 gift cards for 2,500 points. All rewards are subject to availability. The regular redemption rate for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards 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 RBC Rewards program, please visit www.rbcrewards.com or call 1-800-769-2512. Please note that the redemption rate for gift cards not listed above, including Petro-Canada gift cards, is 3,500 RBC Rewards points.

⁸⁶

To receive 3,500 RBC Rewards points on your RBC Rewards+ Visa credit card account as part of our digital bonus offer, get 500 points for completing each of the following activities within 60 days of credit card approval: (i) share your email address with us, (ii) sign up for eStatements for your card, (iii) download and sign into the RBC Mobile app, and provided you bank with RBC (with an RBC Day to Day Banking, RBC Advantage Banking, RBC Private Banking, RBC Signature No Limit Banking, RBC VIP Banking, US Personal Account, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest eSavings account), (iv) make an Interac e-Transfer with the RBC Mobile app or RBC Online Banking, (v) Transfer funds with the RBC Mobile app or RBC Online Banking, (vi) deposit a cheque with the RBC Mobile app and (vii) pay a bill with the RBC Mobile app or RBC Online Banking. Additional cardholder(s), as well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer, unless otherwise indicated by us. Offer may be amended or withdrawn at any time without notice.

⁸⁷

Limited time offer must be fulfilled within 60 days from date of credit card approval. This offer is not transferable, may not be combined or used in conjunction with any other offer. Offer may be changed, cancelled or withdrawn at any time. Only the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a one-time bonus of 500 RBC Rewards points ("Bonus Points") for each listed offer (each a "Bonus Offer") up to a maximum of 3,500 RBC Rewards points. It may take up to 60 days after offer expires for the Bonus Points to appear on the credit card statement. 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.

⁸⁹

To bank with RBC means you must hold any of the following RBC bank accounts (each an "Eligible Account"): RBC Day to Day Banking, RBC Advantage Banking,RBC Private Banking, RBC Signature No Limit Banking, RBC VIP Banking, US Personal Account, Ratelink Essential, Ratelink Preference, RBC Day to Day Savings, RBC Enhanced Savings or RBC High Interest eSavings. If you do not have an Eligible Account you may open one by visiting a branch.

⁹⁰

Interac e-Transfer transactions are free for all RBC personal chequing accounts. US Dollar accounts are not eligible. A fee of $1.00 may be charged to the sender for Interac e-Transfers sent from RBC personal savings accounts listed as an Eligible Account (see note 18).

⁹¹

Deposits are subject to the same maximum deposit limits as well as release and payment amounts as deposits made at an RBC Royal Bank ATM. Cheques will also be subject to our Personal Banking hold policies.

⁹²

Available only to newcomers (please see the eligibility requirements in above note 1). Annual fees will be waived for RBC Advantage Banking and RBC Signature No Limit Banking accounts (each an "Eligible Account") for up to two-year rental (offer ends December 31, 2021) of a small safe deposit box (SDB), where such boxes are available. Standard safe deposit box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an Eligible Account, the standard fee applicable to your eligible safe deposit box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. RBC VIP Banking account holders receive one small box free as a standard feature of that account type, so long as they maintain their RBC VIP Banking account in good standing; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.

^{93Legal Disclaimer}

Guaranteed investment certificates are issued by Royal Bank of Canada, The Royal Trust Company, Royal Trust Corporation of Canada and Royal Bank Mortgage Corporation. Royal Bank of Canada, The Royal Trust Company, Royal Trust Corporation of Canada and Royal Bank Mortgage Corporation are members of Canada Deposit Insurance Corporation (CDlC). Deposits (such as deposits in a savings account, or GICs and other term deposits) with any of these institutions are eligible for CDIC deposit insurance coverage provided they are payable in Canada. For more information, including conditions of coverage, contact CDIC directly at info@cdic.ca or 1 (800) 461‑2342.

Quebec only: If a guaranteed investment certificate is with Royal Bank Mortgage Corporation or The Royal Trust Company, it is a deposit within the meaning of the Deposit Institutions and Deposit Protection Act (Quebec).

^{94Legal Disclaimer}

Please consult the Application Package documents for restrictions, limitations, and additional conditions that apply to all wire transfers sent by you to us, or returned by us to you.

^{95Legal Disclaimer}

All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the RBC Rewards program, please visit: www.rbcrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^{96Legal Disclaimer}

Offer of one free Maple online, for a maximum value of $99, with a general practitioner in Canada ("Offer") when you pay with your new Eligible Credit Card. Offer available to (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, who are approved for a new Eligible Credit Card through the RBC Newcomer program between August 31, 2021 – December 15, 2021 ("Promotional Period") and do not have an existing RBC Royal Bank personal credit card. Eligible Credit Card means any RBC Royal Bank personal credit card excluding the U.S. Dollar Visa Gold, Rate Advantage Visa and RBC Avion Visa Infinite Privilege for Private Banking card. Royal Bank of Canada reserves the right to determine eligibility for this Offer at its sole discretion. Please allow two to eight weeks from consultation date for the amount to be rebated to your credit card account. Offer must be used by February 28, 2022. Limit of one Offer per Eligible Credit Card account. No credit will be granted for any unused portion of the Offer amount ($99), and any such unused portion will be forfeited. Maple Corporation, not Royal Bank of Canada, is responsible for all terms and conditions related to the Maple services, which are available at https://www.getmaple.ca/terms/(opens to external site). Offer may be changed or withdrawn at any time without notice.

How to Set Up Auto Deposit Rbc App

Source: https://www.rbc.com/newcomers/index.html