Student Offers - Get $330 In Value (2024)

Get $80 in value

RBC ION+ Visa

Get 12,000 Welcome Avion Points on approval – that’s an $80 value in gift cards!¹¹ With the RBC ION+ Visa card, earn 3X the points on groceries and more¹² – all the time.

Apply by November 4, 2024. Conditions Apply.

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Get $150¹⁷

Royal Credit Line for Students^18,19

Get $150 as an eligible student when you open a Royal Credit Line for Students^17,18, a flexible way to borrow money for school with the freedom to borrow when you need it.

Apply by October 31, 2024. Conditions Apply.

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RBC Mobile App^{legal disclaimer 21}

You only need to open the RBC Advantage Banking for students account and complete the qualifying criteria to receive the $100 cash offer.

The $100 cash offer is available for anyone who is 13+ and full-time students.

The RBC ION+ Visa card is a rewards credit card that can help you get started on your journey of building a credit history simply by using your card for your everyday purchases. With the RBC ION+ Visa card, you can earn 3X Avion points for every $1 spent on everyday purchases including groceries, restaurants, food delivery, daily transit, rideshare, gas, streaming, subscriptions, digital gaming and more¹².

We’re so happy you’re interested in the RBC ION+ Visa card. Make sure you apply here. If you are an international student, please speak to an advisor at an RBC Branch to learn more about the application process.

The Royal Credit Line for Students provides convenient access to funds to help you pay for school-related expenses. We offer credit limits based on your program of study and other criteria, with competitive interest rates. While you are in school, you will only need to make minimum payments²⁷. After you’ve finished school, you have up to 2 years before you need to start repaying the principal amount. In the meantime, you have full access to your credit line, as long as you continue to meet your loan’s terms and conditions per your Royal Credit Line for Student Loan Agreement.

In order to receive the cash amount available under the Promotional Offer for our Royal Credit Line for Students, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada. If you do not have such an account as of the date we attempt to deposit the benefit of the Promotional Offer, you will forfeit this amount and be deemed to have not qualified for the Promotional Offer.

You do not need to open an RBC Advantage Banking account or apply for the RBC ION+ Visa in order to apply and be approved for a Royal Credit Line for Students. However, in order to participate in the Royal Credit Line for Students Promotional Offer and to receive the cash bonus available under that offer, you must have or open, and maintain in good standing, an active Canadian dollar personal banking account with Royal Bank of Canada.

FREE Interac^{legal disclaimer ‡}
e-Transfer transactions

Send money through Online Banking or the RBC Mobile app^{legal disclaimer 21}, quickly and securely.

No RBC Fee to use other banks’ ATMs in Canada

Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada^{legal disclaimer 8,legal disclaimer 9}.

Get the app that gets you

RBC Mobile Student Edition^{legal disclaimer 21} gives you access to the features that students use most.

Avion Points

Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.

“Up to $330 in value” represents the combined total value of the following promotional offers: (a) $100 when you open an Advantage Banking for students account by October 31, 2024 (footnote 2), plus (b) $80 worth of gift cards/certificates when you open an RBC ION+ Visa credit card account by November 4, 2024 (footnote 11), and (c) $150 when you are enrolled in an Undergraduate or General Program of study and you open a Royal Credit Line for Students (footnote 17), each in accordance with their respective terms and conditions set out below.

“Up to $230 in value” is a combined total of (a) $80 worth of gift cards/certificates when you open an RBC ION+ Visa credit card account by November 4, 2024 (footnote 11), and (b) $150 when you are enrolled in an Undergraduate or General Program of study and you open a Royal Credit Line for Students (footnote 17), each in accordance with their respective terms and conditions set out below.

Students who are 14+ in Quebec and 13+ in all other provinces and territories.

Age of majority as dictated by the provinces and territories in Canada. The age of majority is 18+ in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, and Saskatchewan. The age of majority is 19+ in British Columbia, Nova Scotia, New Brunswick, Newfoundland and Labrador, and Northwest Territories.

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, Fee Waivers and Discounts: RBC Advantage Banking for students” in the document entitled “(pdf opens in a new window)Personal Deposit Accounts (PDA) 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. You must advise us of your student status at the time of account opening an RBC Advantage Banking for students account and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.

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. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion.

Unlimited free Interac e-Transfer transactions are available in all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. There is a limit of 999 free Interac e-Transfer Transactions per Month per Account. In all Canadian dollar savings accounts, Interac e-Transfer transactions are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction fee, if applicable. Interac e-Transfer transactions are not available in US dollar accounts.

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.

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.

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.

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. You must request a Virtual Visa Debit card.

Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (an “Eligible Student Bank Account”) and the primary cardholder of the RBC ION+™ Visa^‡ credit card ( “Eligible Credit Card”), the $4 monthly fee (charged over 12 months and equating to a $48 annual fee) will be fully rebated, every month. For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate.

For the $4 monthly fee of your Eligible Credit Card to be fully rebated, every month, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The monthly fee of your Eligible Credit Card will continue to be fully rebated: i) until 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 comes first. Thereafter, the monthly fee will no longer be rebated. 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, 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-applicant and authorized user(s)) do not qualify for the monthly fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card monthly fee rebate per Eligible Student Bank Account is allowed, which means that if you own a joint Eligible Student Bank Account and each co-owner is also the primary cardholder of an Eligible Credit Card, only the primary owner of the Eligible Student Bank Account will be eligible for the credit card monthly fee rebate. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.

21.99% if you reside in Quebec.

To be considered an eligible student for the purposes of one of the Royal Credit Line for Students promotional offers , you must be enrolled in an eligible program of study at the post-secondary level at a college, university, or other educational institution, as more particularly described in the terms and conditions for the relevant promotional offer. Proof of enrollment may be required. See also notes 17 and 19 for additional details regarding promotional offer eligibility based on programs of study.

Personal lending products are provided by Royal Bank of Canada and are subject to its standard lending criteria. If your credit history is limited, or you are studying at an educational institution outside of Canada, a co-signor may be required.

“RBC Prime Rate” means the annual rate of interest announced by Royal Bank of Canada from time to time as its reference rate then in effect for determining interest rates on Canadian dollar commercial loans made by the Bank in Canada. The current Royal Bank Prime Rate may be viewed here, and is subject to change at any time without notice. On , the Royal Bank Prime Rate was

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

Offer available August 1, 2024 to October 31, 2024 (the “Promotional Period”). This offer is available to any Eligible Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or within the last 3 years before the start of the promotional period. The Bonus Offer is $25 with an RBC Leo’s Young Savers Account®. This account type is intended for clients age 0-12 years. No qualifying transactions or purchases are required for the $25 Bonus Offer with the RBC Leo’s Young Savers Account. To receive the $25 Bonus Offer, you must open your new Eligible Personal Banking Account by 11:59 PM ET on October 31, 2024. The Bonus Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks provided your account remains in good standing. 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 or modify this offer at any time without notice, even after acceptance by you.
For full legal terms click here: rbc.com/leo25.

When you enroll your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion 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. Avion points are governed by the Avion Rewards Terms and Conditions (opens in new window) 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 .

We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years.

In addition to the fee for making a Cross Border Debit, the purchase amount will be subject to foreign exchange rates at the time of the purchase. Transactions are converted to Canadian dollars at an exchange rate that is 2.5% over the Interbank Spot Rate as defined by Interac Corp.

Subject to credit approval. Overdraft Interest applies if used.

The minimum payment is the accrued interest and, only if applicable, may include service fees that apply for that period as well as your LoanProtector® insurance premium and taxes.

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