RBC Royal Bank

RBC Royal Bank

RBC Business Credit Cards

Credit cards for business owners from RBC.

RBC Royal Bank

RBC Business Bank Accounts

Business chequing accounts from RBC with several transaction-based plans.

RBC Royal Bank

RBC Business Line of Credit

A revolving credit line for business cash flow from RBC.

RBC Royal Bank

RBC Advantage Banking

A personal chequing account for everyday banking. Value Program eligibility can reduce the monthly fee.

Monthly fee

$12.95

RBC Royal Bank

RBC Advantage Banking for students

A student chequing account with no monthly fee and unlimited debits.

RBC Royal Bank

RBC Day to Day Banking

A personal chequing account for everyday banking. Value Program eligibility can reduce the monthly fee.

Monthly fee

$4

RBC Royal Bank

RBC Signature No Limit Banking

A personal chequing account for everyday banking. Value Program eligibility can reduce the monthly fee.

Monthly fee

$16.95

RBC Royal Bank

RBC U.S. Personal Account

A U.S.-dollar chequing account with six debits each month. Additional debits have a separate charge.

Monthly fee

$3/month USD

Transactions included

6

RBC Royal Bank

RBC VIP Banking

A personal chequing account for everyday banking. Value Program eligibility can reduce the monthly fee.

Monthly fee

$30

RBC Royal Bank

RBC Avion Visa Infinite

A travel rewards card that earns Avion points redeemable for flights, hotels and other travel.

Annual fee

$120

Purchase interest rate

20.99%

Cash advance rate

22.99%

Minimum income

$60,000 or a minimum household income of $100,000

RBC Royal Bank

RBC Cash Back Mastercard

A cash back card with no annual fee and different earning rates for groceries, transportation and other purchases.

Annual fee

$0

Purchase interest rate

21.99%

Cash advance rate

22.99%

RBC Royal Bank

RBC Visa Classic Low Rate Option

A card with a fixed standard purchase rate and a separate rate for cash advances, including balance transfers.

Annual fee

$20

Purchase interest rate

12.99%

Cash advance rate

14.99%

RBC Royal Bank

Royal Credit Line

Reusable personal borrowing with secured and unsecured options. Confirm your applicable rate, limit and repayment requirements.

Repayment

Interest-only payments and flexible schedules available.

Withdrawal fee

No fee to withdraw funds.

Structure

Revolving line of credit, not an instalment loan.

Minimum unsecured limit

CAD 5,000.

RBC Royal Bank

Equipment Leasing

Customized equipment leasing for a significant asset purchase or ongoing needs, including taxes and installation.

Equipment examples

Tractors, computer systems, aircraft and furniture.

Financing scope

Up to 100% of equipment costs, including taxes and installation.

Structure

Customized leasing based on equipment needs.

RBC Royal Bank

RBC Mortgages

Fixed and variable rate mortgages from RBC, including options for first-time buyers.

RBC Royal Bank

RBC Homeline Plan

RBC's combined mortgage and home equity line of credit.

RBC Royal Bank

RBC High Interest eSavings

A savings account with no monthly fee and one included monthly withdrawal. Additional debit charges can apply.

Monthly fee

Free

Savings interest rate

0.550%

RBC Royal Bank

RBC U.S. High Interest eSavings

A savings account with no monthly fee and one included monthly withdrawal. Additional debit charges can apply.

Monthly fee

Free

Savings interest rate

0.250%

RBC Royal Bank

RBC Personal Loan

Lump-sum borrowing with a set repayment schedule and a choice of payment frequencies. Early repayment is available without penalties.

Payment frequency

Weekly, biweekly, semi-monthly or monthly.

Rate structure

Fixed or variable.

Prepayment

No early payment penalties.

Minimum loan

CAD 5,000.

RBC Royal Bank

RBC Car Loan

Financing from RBC for new or used vehicles.

RBC Royal Bank

RBC Newcomer Advantage

RBC banking and credit offers for newcomers to Canada.

RBC Royal Bank

NOMI Find & Save

An automated savings account that identifies spare money and moves it into savings through the RBC Mobile app.

RBC Royal Bank

RBC British Pound eSavings

A foreign-currency savings account for holding and sending British pounds. There is no monthly fee or minimum balance requirement.

Monthly fee

Free

RBC Royal Bank

RBC Day to Day Savings

A savings account with no monthly fee and one included monthly withdrawal. Additional debit charges can apply.

Monthly fee

Free

RBC Royal Bank

RBC Enhanced Savings

A savings account with no monthly fee and one included monthly withdrawal. Additional debit charges can apply.

Monthly fee

Free

RBC Royal Bank

RBC Euro eSavings

A foreign-currency savings account for holding and sending Euros. There is no monthly fee or minimum balance requirement.

Monthly fee

Free

RBC Royal Bank

RBC Hong Kong Dollar eSavings

A foreign-currency savings account for holding and sending Hong Kong dollars. There is no monthly fee or minimum balance requirement.

Monthly fee

Free

RBC Royal Bank

RBC Leo’s Young Savers Account

A children’s account intended to help young savers learn to manage their money.

RBC Royal Bank

RBC Direct Investing

RBC's self-directed online brokerage for trading stocks, ETFs, GICs, mutual funds and bonds.

RBC Royal Bank

RBC RESP

A Registered Education Savings Plan at RBC that can receive the Canada Education Savings Grant.

RBC Royal Bank

RBC Retirement Budget Calculator

Compare income and expenses to explore retirement cash flow. Replace dated default pension examples with current personal estimates.

Caution

Linked budget interface includes dated pension examples; use current figures.

Resource type

Educational calculator, not an investment offer.

Workflow

Income, expenses and results.

RBC Royal Bank

RBC ION Visa

A no-annual-fee card that earns Avion points on eligible everyday purchases.

Annual fee

$0

Purchase interest rate

20.99%

Cash advance rate

22.99%

RBC Royal Bank

RBC InvestEase

RBC's digital managed investing service with ready-made ETF portfolios.

RBC Royal Bank

RBC RRIF

A Registered Retirement Income Fund at RBC to draw income from RRSP savings.

RBC Royal Bank

Business Term Loan

Lump-sum business borrowing for a major purchase or refinancing, separate from revolving business credit.

Structure

Lump-sum term financing.

Uses

Equipment, inventory, property purchases and debt refinancing.

Minimum loan

Loans start at CAD 5,000.

RBC Royal Bank

RBC Canada Small Business Financing Loan

A government-sponsored term loan for small business property, equipment, leasehold improvements, intangible assets and working capital.

Maximum amount

CAD 1,000,000

Sublimits

CAD 500,000 for equipment, leaseholds, intangibles and working capital, including CAD 150,000 for intangibles and working capital

Government guarantee

85% guaranteed by the federal government

Amortization

Up to 15 years

RBC Royal Bank

Royal Credit Line for Students

Student revolving credit for eligible post-secondary programs. Credit limits and repayment arrangements depend on the program.

Interest basis

Interest charged only on borrowed funds.

Co-signer

May be required for limited credit history or study outside Canada.

Requirements

Enrolment confirmation, cost estimate and financial-resource information.

Minimum limit

CAD 5,000.