Investing in Canada for Newcomers

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Popular Investment Plans in Canada

Your future is important. Whether you’re here to stay or in Canada just for a while, with RBC you can invest in Canada’s popular investment plans to help you save, grow and protect your money.

Tax-Free Savings Account (TFSA)

How can I use it?

Save for anything you want in the next few years⎯an emergency fund, a car, renovation or retirement.

What is it?

A registered savings plan where investment earnings and withdrawals are tax-free⁴¹.

Canadian residents
Permanent residents/landed immigrants
Foreign workers⁴²
International students

Eligibility requirements:

Have reached age of majority in your province of residence
Have a Social Insurance Number

Are contributions tax-deductible?

Do savings grow tax-free or tax-deferred?

Tax-free⁴¹

Are withdrawals taxed?

Never

What investment products can I hold in it?

Cash
GICs
Mutual funds
Savings deposits
Stocks, bonds, Exchange-Traded Funds (ETFs) and more⁴⁶

Annual contribution limits

$6,000 for 2019 (subject to change) plus any unused contribution room from previous years⁵⁴

Do I need to earn an income to contribute?

Registered Retirement Savings Plan (RRSP)

How can I use it?

Set money aside now, while you’re still working, to use when you retire.

What is it?

A registered investment plan where investment earnings are tax-deferred until retirement, and contributions are tax-deductible.

Canadian residents
Permanent residents/landed immigrants
Foreign workers⁴⁴
International students⁴⁴

Eligibility requirements:

Have earned income and file an income tax return in Canada
Under age 71 (you can contribute until December 31 of the year you turn 71)
Have available contribution room

Are contributions tax-deductible?

Yes⎯contributions reduce your taxable income

Do savings grow tax-free or tax-deferred?

Tax-deferred, until withdrawal

Are withdrawals taxed?

Yes⎯withdrawals are added to taxable income the year the money is withdrawn

What investment products can I hold in it?

Cash
GICs
Mutual funds
Savings deposits
Stocks, bonds, Exchange-Traded Funds (ETFs) and more⁴⁶

Annual contribution limits

18% of previous year's earned income, less any pension adjustment, up to the maximum annual contribution limit⁴⁵

Do I need to earn an income to contribute?

Yes

Registered Education Savings Plan (RESP)

How can I use it?

Save for a child’s post-secondary education costs.

What is it?

A registered investment plan where investment earnings are tax-deferred. Some contributions are eligible for government incentives.⁴³

Canadian residents
Permanent residents/landed immigrants
Foreign workers⁴⁴
International students⁴⁴

Eligibility requirements:

Have a Social Insurance Number (Canadian residency not required)

The beneficiary of an RESP (or the student), must:

Be a Canadian resident or permanent resident/landed immigrant
Have a Social Insurance Number

Are contributions tax-deductible?

Do savings grow tax-free or tax-deferred?

Tax-deferred,⁴³ until withdrawal

Are withdrawals taxed?

May be taxed at a lower rate, or not taxed at all, when paid out to the beneficiary (or student) for their education costs

What investment products can I hold in it?

Cash
GICs
Mutual funds
Savings deposits
Stocks, bonds, Exchange-Traded Funds (ETFs) and more⁴⁶

Annual contribution limits

No annual limit, but there is a lifetime contribution limit of $50,000 per beneficiary

Note: There are also government grants and bonds that you may be able to take advantage of to grow your child’s savings faster

Do I need to earn an income to contribute?

Non-Registered Investment Account

How can I use it?

Save for any reason in a flexible account that gives you easy access to your money.

What is it?

A non-registered investment account that you can contribute any amount to and withdraw from when needed.

Canadian residents
Permanent residents/landed immigrants
Foreign workers
International students

Eligibility requirements:

Have reached age of majority in your province of residence
Have a Social Insurance Number

Are contributions tax-deductible?

Do savings grow tax-free or tax-deferred?

Investment income, interest and capital gains are taxed

Are withdrawals taxed?

Yes

What investment products can I hold in it?

Cash
GICs
Mutual funds
Stocks, bonds, Exchange-Traded Funds (ETFs) and more⁴⁶

Annual contribution limits

No limit to how much you can contribute

Do I need to earn an income to contribute?

Note: The chart above is intended for general information purposes only. It should not be regarded as comprehensive or a substitute for professional advice. For complete details on eligibility, contributions, withdrawals and more, please talk to an advisor.

Investment Products at RBC

To protect your initial investment or explore opportunities to grow your money, you can choose from our broad lineup of products, including:

Savings Deposits

A savings deposit is simple and safe, giving you easy access to your money and guaranteeing your original investment (principal) and the interest you earn.

May be right for you if:

You want to make a last-minute contribution to a registered plan
You’re not sure how you want to invest your money
You're looking to start saving in a registered account/plan

Guaranteed Investment Certificates (GICs)

A GIC is a secure fixed-income investment that guarantees 100% of your original investment, while earning interest at a fixed or variable rate, or based on a specific formula.

May be right for you if:

You want the security of knowing that 100% of your original investment is protected
You seek competitive rates that are guaranteed for the full term of your investment, including preferred rates for newcomers¹⁶
You’re looking for more growth potential than a savings deposit

Mutual Funds

A mutual fund is an easy way to invest in a pool of stocks, bonds and other investments that is managed on your behalf by a professional money manager.

May be right for you if:

You want to benefit from the expertise of a professional money manager
You’re looking to diversify your investments (a strategy to help reduce risk by holding investments across a variety of regions, sectors, industries and issuers)
You’re looking for more growth potential than a savings deposit or GIC
You want ease and convenience

Exchange-Traded Funds (ETFs)⁴⁶

An ETF is similar to a mutual fund, except an ETF trades like a stock on an exchange. Like a mutual fund, you can buy ‘units’ in an ETF to own a proportional interest of a pool of assets (such as stocks or bonds).

May be right for you if:

You’re looking for instant diversification
You prefer their lower fees compared to other types of investments
You need the flexibility to easily buy and sell

Stocks⁴⁶

Stocks (or equities) let you purchase a small part of an individual company. You can participate in and benefit from the company’s growth, and potentially receive tax-efficient dividend income and capital gains.

May be right for you if:

You’re comfortable with fluctuating returns
You want the potential for greater long-term returns compared to cash and fixed-income investments like GICs
You’re looking to earn dividends and capital gains

Bonds⁴⁶

Bonds are conservative fixed-income investments issued by a company or government. When you buy a bond, the bond issuer pays you interest for a specific time period and repays your initial investment when the bond matures.

May be right for you if:

You want to reduce the overall risk in your investment portfolio
You want a relatively safe investment

Ways to Invest at RBC

There are a number of ways you can invest with us here at RBC. Not sure what’s right for you? No problem—we can help guide you!

With an RBC Royal Bank advisor

Whether you are saving for retirement, a big purchase, or your child’s education, RBC Royal Bank advisors and financial planners can provide you with holistic financial advice from goal planning to investment decisions. As an RBC Client you have access to MyAdvisorAnother RBC site, where you can keep an eye on all your investments, track your goals and connect with an advisor for personalized advice in person, by phone or via video chat.

With an RBC Wealth Management advisor

A dedicated RBC Wealth Management advisor can help you with your sophisticated or complex investing and wealth management needs. Advisors can create a personalized investment portfolio drawing on a complete range of investment choices, and provide customized wealth management solutions.

Visit RBC Wealth ManagementAnother RBC site

Self-directed, online investing with RBC Direct Investing

For those who want to make their own investment decisions, RBC Direct Investing offers in-depth research, a wide range of investment choices and accounts, and an innovative Community where you can learn, share ideas and connect with other investors—so you can invest online with confidence. Want to see how it works? Open a Practice Account to try online investing, risk free!

Visit RBC Direct InvestingAnother RBC site

Online with RBC InvestEase, guided by a portfolio advisor

If you want to leave the investing work to experts, RBC InvestEase can recommend an automated, online investment plan made up of a mix of ETFs in a professional portfolio. Our advisors work behind the scenes to help you stay on track.

Visit RBC InvestEaseAnother RBC site

The RBC Newcomer Advantage

We know that you and your family have unique needs. Let us help. With the RBC Newcomer Advantage¹ you can get everything you need for a great financial start in Canada. We are Canada’s largest bank^* and leading financial institution, and we’ve been providing advice and solutions to newcomers for over 150 years.

Why Newcomers Love Our Investment Solutions

With so many types of investments available in Canada, it can feel overwhelming to get started. We can help, with expert advice and the guidance you’ll need to create a bright future for you and your family.

Start investing before you have permanent residency

If you’re in Canada under a temporary work or study permit, you can still invest for the years ahead.
Earn a better rate on a safe, secure investment

We offer newcomers preferred interest rates on select Guaranteed Investment Certificates (GICs).¹⁶

Save for all the important things in life and track your progress

Whether you're saving for a home or your kids’ education, we can help create a personalized investment plan.
Build and protect your wealth with confidence

We make it easier to manage your more complex wealth management needs.

How to Invest

How do you want to invest? Talk to us today and we’ll help you start investing for your future in Canada.

See details on investing options under Ways to Invest at RBC.

For help making investment decisions:

Visit a Branch
and Ask for an Advisor

Find a Financial Planner

Call 1-800-463-3863

For professional advice to help you invest your wealth:

Visit RBC Wealth Management

To make your own investment decisions with support from online research and tools:

Visit RBC Direct Investing

To invest online the easy, automated way:

Visit RBC InvestEase

Discover & Learn

View Investment Legal DisclaimersHide Investment Legal Disclaimers

Investment advice is only provided by Royal Mutual Funds Inc. (RMFI) and RBC Dominion Securities Inc. (RBC DS) to their respective clients. RMFI is licensed as a financial services firm in the province of Quebec. RMFI, RBC DS, RBC Direct Investing Inc. (RBC DI) and Royal Bank of Canada are separate corporate entities which are affiliated. RBC DS and RBC DI are members of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RMFI, RBC DS and RBC DI.

RBC DI does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC DI.

This publication is for informational use only and is furnished on the basis and understanding that none of RMFI, RBC DS, RBC DI and Royal Bank of Canada, nor any of their respective employees, agents or information suppliers, are to be under any responsibility or liability whatsoever in respect hereof. The strategies, advice and technical content in this publication are provided for the general guidance and benefit of readers based on information believed to be accurate and complete, but we cannot guarantee the accuracy or completeness of such information. Interest rates, market conditions, tax and legal rules and other investment factors are subject to change. This publication is not intended as nor does it constitute tax or legal advice. Readers should consult their own professional advisors when planning to implement a strategy. This will ensure that individual circumstances have been considered properly and that action is taken based on the latest available information.

Mutual funds are distributed through RMFI, RBC DS and RBC DI. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation or by another government deposit insurer, their values change frequently, and past performance may not be repeated. For money market funds, there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

View Legal DisclaimersHide Legal Disclaimers

Based on market capitalization.

Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. 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 (i) permanent residents and international students who arrived in Canada within the last 12 months, and (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.

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 personal automotive car loan even if you have no Canadian credit history. Available to permanent residents and temporary foreign workers who have been in Canada less than 3 years. Down payment of up to 15% may be required. Maximum financing term is 96 months with a maximum loan amount of $75,000. No credit history required on vehicles less than 10 years old, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada. Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria.

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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 No Limit Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $10.95 for the RBC No Limit 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. 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 No Limit Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in note 1. 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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Handling fee applies. If for any reason you do not come to Canada, we will reimburse you the principal and any accumulated interest at any time. You agree to pay the wire transfer fees that apply to the return of the funds to you.

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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 Student Banking 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.

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RBC Student Banking and RBC No Limit Banking for Students accounts are available to any full-time student 13 years of age or above. Students who are 25 years of age or older must present proof of student status each year to maintain their eligibility for a student account.

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International Money Transfer is available for a $13.50 CAD per transaction fee. 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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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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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 that year, the discount on those Safe Deposit Box fees will not be pro-rated 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.

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Available only to newcomers (please see the eligibility requirements in disclosure 1) who become RBC clients between May 1, 2018 and September 30, 2019 (Promotional Period) by opening an RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (Eligible Personal Banking Accounts). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 6 months from the day of account open, with up to 2 transactions per month (for a total of 12 transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 transactions per month (for a total of 18 transactions) for RBC VIP Banking Account holders. Rebates to be applied to the Eligible Personal Banking Account within 45 days of the IMT transaction. Offer applies only to the first 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 account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is then opened as second account. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking Account within 30 days of the account being opened. 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 joint Eligible Personal Banking Account will qualify for the Promotional Offer. Eligible Personal Banking Account must remain open and in good standing to receive the rebate. If an Eligible Personal Banking Account is downgraded or closed, the Promotional Offer will cease to apply as of the downgrade or closure and unrebated transactions will not be credited.

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If you are a post-secondary student and are the Primary Owner or co-owner of an RBC Student Banking or RBC No Limit Banking for Students account (each an Eligible Bank Account) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below, you may be entitled to a rebate on your annual fee, every year, as long as you:

complete the Student Information section of the credit card application form in full;
remain a student; and
are the primary or co-owner of an Eligible 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: i) until you close your Eligible Bank Account, or ii) until the Expected Graduation Year you have provided upon opening your Eligible 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 time of opening your Eligible Bank Account differs from the one you indicate on your credit card application form, the Expected Graduation Year you have provided at the time of opening of your Eligible Bank Account will prevail and be used for determining the expiry of this offer.

Additional cardholders are not eligible for this offer. Only one credit card annual fee rebate per Eligible Bank Account is allowed. This means that if both the primary owner and co-owner of an Eligible Bank Account are also the primary cardholders of an Eligible Credit Card each, only the primary owner of the Eligible 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 Wallet is operated by Royal Bank of Canada.

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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 Wallet, 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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You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. There is no minimum account balance required. You must log back into your Ownr account and click ‘Refund Me’ to receive a credit on your credit card account. Your credit card account will be credited within 7–10 business days from requesting refund. Ownr offer may be revised or withdrawn at any time without notice.

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Ownr is a trademark used under license.

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Wave’s invoicing software, accounting software and receipt scanning are free. Wave credit card processing is a pay-as-you-go service at 2.9% + 30 cents per transaction for all credit cards, with no additional fees for normal transaction processing. Wave’s bank payments feature is a pay-as-you-go service at 1% per transaction. For more information visit https://www.waveapps.com/pricingExternal Site

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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 including Interac 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. RBC business deposit accounts will incur an Interac e-Transfer fee of $0.50 for each deposit received. The Autodeposit fee is in addition to the account deposit fee. The daily limit to receive Interac e-Transfer payments still applies.

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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.

³⁸

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.

³⁹

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.

⁴⁰

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.

⁴¹

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.

⁴²

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

⁴³

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.

⁴⁴

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

⁴⁵

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

⁴⁶

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.

⁴⁷

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.

⁴⁸

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.

⁴⁹

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.

⁵⁰

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.

⁵¹

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.

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.

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

To receive the 2,500 bonus RBC Rewards points, your application form must be received 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 card 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.

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.

⁷⁴

Offer available to newcomers and international students who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between April 1, 2019 and December 31, 2019 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period. Only RBC newcomer clients who do not have an RBC personal deposit account at the start of the Promotional Period and have otherwise complied with the terms of the offer are eligible for this offer. TELUS is not responsible for determining eligibility for this offer. See RBC branch for eligibility details. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2019. Once the Prepaid Top-Up offer has been activated, it will be available for use for a period of 60 days from the time of activation, and any unused portion of the top-up will expire after 60 days unless another top-up or 30- day rate plan is purchased within 7 days of expiry date. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. TELUS, the TELUS logo, the future is friendly and telus.com are trademarks of TELUS Corporation, used under license. © 2019 TELUS. All rights reserved.

⁷⁵

A $10 credit will be applied to your TELUS account within 30 days after activation and again within 30 days of each date that you renew your plan to a total value of $120. If you do not top up your account each month and renew on a 30-day $35 and up rate plan, you will not receive the subsequent credits. Other conditions may apply. Click hereExternal Site for more information on this special offer or on TELUS Prepaid services or call TELUS at 1-866-558-2273. This offer may be withdrawn at any time and is subject to change without notice. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service.

⁷⁶

Savings offer on vehicle rental base rate (“Offer”) available until December 31, 2019 and only to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between January 1, 2019 and December 31, 2019 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period; (iv) are 21 years of age or older; and (v) received the offer through the RBC Offers platform in RBC Online Banking (“Eligible Client”). Eligible Clients must enter the unique promo code provided in the RBC Offers platform when making a reservation using the link provided. Offer applicable to eligible vehicle rentals at participating Avis locations across Canada and the contiguous U.S. All taxes, fees and surcharges are extra. A valid credit card must be presented at time of vehicle pick up and a deposit hold will be placed on that credit card. Final payment can be made at vehicle return with any valid debit or credit card accepted by Avis Budget Car Rental Canada ULC, or with cash. Subject to vehicle availability at the time of rental. Holiday and other blackout periods may apply. Offer may not be combined with any other offer and may be withdrawn or amended at any time without notice. Other terms and conditions apply. Avis Budget Car Rental Canada ULC, not Royal Bank of Canada, is solely responsible for the terms and conditions applicable to this Offer and any Avis product or service. See Avis Terms and ConditionsPDF for details.

⁷⁷

Savings offer on vehicle rental base rate (“Offer”) available until December 31, 2019 and only to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between January 1, 2019 and December 31, 2019 (“Promotional Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Promotional Period; (iv) are 21 years of age or older; and (v) received the offer through the RBC Offers platform in RBC Online Banking (“Eligible Client”). Eligible Clients must enter the unique promo code provided in the RBC Offers platform when making a reservation using the link provided. Offer applicable to eligible vehicle rentals at participating Budget locations across Canada and the contiguous U.S. All taxes, fees and surcharges are extra. A valid credit card must be presented at time of vehicle pick up and a deposit hold will be placed on that credit card. Final payment can be made at vehicle return with any valid debit or credit card accepted by Avis Budget Car Rental Canada ULC, or with cash. Subject to vehicle availability at the time of rental. Holiday and other blackout periods may apply. Offer may not be combined with any other offer and may be withdrawn or amended at any time without notice. Other terms and conditions apply. Avis Budget Car Rental Canada ULC, not Royal Bank of Canada, is solely responsible for the terms and conditions applicable to this Offer and any Budget product or service. See Budget Terms and ConditionsPDF for details.

⁷⁸

Offer is available in Ontario only. Offer only available to newcomers who have arrived in Canada within the last 5 years and (i) have opened an RBC personal deposit account or have been approved for an RBC credit card account between August 1, 2019 and September 27th, 2019 (“Account Opening Period”); (ii) show proof of entry into Canada with supporting documents such as landing papers or permanent resident card; (iii) do not have an RBC personal deposit account at the start of the Account Opening Period and have otherwise complied with the terms of the offer (“Eligible Client”). This offer is not transferable. You will receive a $5 statement credit (“Statement Credit”) each time you make up to four transactions of at least $50 each, including taxes, at any FreshCo or Chalo! FreshCo location in Ontario (“Qualifying Purchase”), between August 1, 2019 and October 30, 2019, inclusively (“Offer Period”) and pay using any eligible RBC Royal Bank debit or credit card(s).

⁷⁹

This offer is available to any Eligible Student Clients 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 TermsAnother RBC site of the offer. The Bonus Offer is $60 with an RBC No Limit Banking for Students^® account (monthly fee of $10.95) or $60 with an RBC Student Banking^® account. You must open your first new Eligible Personal Banking Account by 9:00 PM EST on September 30, 2019 and complete two of the following Qualifying Criteria by 9:00 PM EST on November 29, 2019 using your Eligible Personal Banking Account: mobile cheque deposit, Interac^† e-Transfer; or any purchase—including those done with RBC Virtual Visa^† Debit, Interac Flash, Apple Pay^†, Google Pay, Samsung Pay^† or with the RBC Wallet. Qualifying Criteria can be made within RBC Online Banking, RBC Mobile Banking or with your RBC Client Card. Transactions made in branch or through the ATM network, as well as bank fee transactions, are not included as a qualifying transaction.

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 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, unless otherwise indicated. 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/offerterms60isAnother RBC site.

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