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Available only to newcomers to Canada who arrived in Canada within the last year and who show proof of permanent resident status. Also available to newcomers to Canada who arrived between 1 and 3 years ago when they switch their account from another financial institution using CustomSwitch^®. Other conditions apply. See branch for details. This offer may be withdrawn at any time and is subject to change without notice.

Monthly fee will be waived for the first six months upon account opening. Monthly fee is $14.95. Other account transaction fees may apply. Applies to RBC Signature No Limit Banking^® account only. Available only to newcomers; please see the eligibility requirements in note 1.

Debit transaction means a withdrawal of funds from an account and includes an assisted transaction and an electronic self-serve transaction.

One year’s rental of a small safe deposit box with annual fees waived, where available. Safe deposit box fees are collected in January for each calendar year. If you open, switch or are converted to an account that is eligible for a safe deposit box discount at any time after the safe deposit box fees have been collected for that year, the discount on those safe deposit box fees will not be prorated and applied to the fees of the partial year. The discount will start in the following year and be applied to the safe deposit box fees billed in January of the following year. Only available with the RBC Signature No Limit Banking account or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1.

An RBC Royal Bank® credit card with a maximum credit limit of $500 and no security deposit required is available to permanent residents who arrived in Canada within the last 12 months provided they: have refugee status as a permanent resident; have no credit history in Canada (except utility trades); and have an RBC Royal Bank deposit account. 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. For secured cards a credit history may be required. See branch for details.