Credit Cards for Newcomers to Canada – RBC

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available to international students who have arrived in Canada within the last 5 years. Must show proof of entrance into Canada with supporting documents, i.e., recommendation and analyze allow .
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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

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.
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 recognition cards ) ( “ RBC Card ” ). An “ eligible RBC Credit Card ” is any RBC personal credit tease, 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 entirely be able to link up to two ( 2 ) Business Credit Cards and one RBC Debit Card to a Be Well Card. For dispatch details, including the definition of the capitalize terms used in the disclosures below, please see wide Terms and Conditions www.rbcroyalbank.com/credit-cards/documentation/pdf/rexall-terms.pdf You must be enrolled in RBC Online Banking in ordering to link your RBC Card to your Be Well Card. Card associate may take up to 2 business days to process before Be Well points can be applied to purchases.Each clock 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 broad details, and defined terms visit Be Well Terms and Conditions available at hypertext transfer protocol : //www.letsbewell.ca/terms-conditions. Be Well points are not awarded on taxes ; tobacco products ; products containing codeine ; lottery tickets ; alcohol ; bottle deposits ; endowment cards ; prepaid cards and radio receiver or hanker distance phone cards ; event tickets ; transit tickets and passes ; mail position transactions ; stamps ; recommendation photos ; cash spinal column ; gifts with purchases ; delivery charges ; environmental levies ; Home Health Care services/rentals and any other products or services that we may specify from fourth dimension to time or where prohibited by police.


propose available to eligible personal Clients without a personal bank Account with Royal Bank at the begin of the Promotional Period or in the five year time period before the start of the Promotional Period, who open their first new eligible personal bank history by March 31, 2022 and who comply with all other terms and conditions. Bonus $ 300 with an RBC VIP Banking® account ( monthly tip of $ 30 ) or RBC Signature No Limit Banking® report ( monthly tip of $ 15.95 ) ; or $ 100 with an RBC Advantage® Banking explanation ( monthly tip of $ 11.95 ) ( each, an “ Offer ” ). You must besides complete at least two of the following Qualifying Criteria by May 31, 2022 : ( one ) set up at least two pre-authorized payments from the eligible Personal Banking Account ; ( two ) set up at least one automated and recurring payroll or pension direct deposit to the eligible Personal Banking Account ; and/or ( three ) set up at least two placard payments to a military service supplier from the eligible Personal Banking Account. extend will be deposited into your eligible personal deposit Account between 2 and 10 weeks of completing all Qualifying Criteria. offer may not be combined with any early personal Banking Account offers. Royal Bank of Canada may withdraw or amend this offer at any time without notice. For fully details including defined terms visit rbc.com/offerterms300 1
available only to ( iodine ) Newcomers to Canada who arrived within the death 5 years and ( two ) for non-credit card accounts with RBC. Must show proof of introduction into Canada and provide supporting documents such as landing papers or permanent house physician calling card. other conditions apply. See branch for details. This offer may be withdrawn at any fourth dimension and is subject to change without comment .
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An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are ( iodine ) permanent residents and external students who arrived in Canada within the end 12 months, or ( two ) irregular resident workers who arrived in Canada within the survive 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada .
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No annual fee is available with the pursuit RBC Royal Bank credit cards : RBCCash Back Mastercard, RBC Rewards + Visa, RBC Visa Platinum .

RBC automotive financing products are offered by Royal Bank of Canada by means of conditional sales contract ( in Quebec, installation sales compress ) and are subject to its standard lend criteria. 4
available to permanent residents and irregular foreign workers who have been in Canada for less than 3 years. Down payment of up to 15 % may be required. maximal finance term is 96 months with a maximum loanword sum of $ 75,000. note : for investor class permanent wave residents, there is no maximum lend come. No credit history required on vehicles less than 10 years erstwhile, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada .
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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 chest of drawers information. All residential mortgages and lend products are provided by Royal Bank of Canada are subject to its standard lend criteria. available to permanent residents who have been in Canada less than 5 years. irregular residents may besides apply. To take advantage of these offers, you must show proof of entrance into Canada and provide supporting documents such as a passport, and landing papers ( work permit/visa ) or canadian permanent resident poster. extra documents may be required to validate down payment funds sourced from another state .
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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 committedness. early terms and conditions may apply. See your RBC mortgage specialist or find an RBC mortgage specialist

Another RBC site

for more details. 7
monthly tip will be waived for the first twelve months upon report open of the RBC Advantage Banking account or RBC VIP Banking account. thereafter the standard monthly tip applicable to your explanation 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 history. 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, 2022. other account transaction fees may apply. monthly tip release 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 alone to newcomers ; please see the eligibility requirements in above bill 1. offer may be withdrawn or amended at any meter without notice. See complete terms and conditions

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that use to this promotional offer. 8
Debit transaction means a withdrawal of funds from an explanation and includes an assisted transaction and an electronic self-serve transaction. RBC Virtual Visa Debits, RBC Royal Bank lend payments, RBC Royal Bank mortgage payments, pre-authorized or self-serve RBC Royal Bank accredit 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 exempt of mission. All early Debit Transactions from any Savings Account are counted as Debit Transactions in the account and give arise 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. extend available to RBC personal deposit accountholders who are ( iodine ) permanent wave residents who arrived in Canada within the last 12 months, or ( two ) impermanent house physician workers who arrived in Canada within the last 48 months, applying for a newfangled RBC Royal Bank personal accredit wag ( 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 put up at any clock. Higher credit limits are submit to higher income and asset requirements .
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RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loanword 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 ’ mho Young Savers explanation or RBC Advantage Banking account for students are free of agitate. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the release monthly Debit Transactions included in the Account, and give rise to an surfeit 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 besides apply depending on the account. Additional service fees by any mediator and receiving bank may apply. Maximum of $ 2,500 canadian dollars or canadian dollar equivalent per node per day. Transfers can lone be made from canadian dollar bank accounts. The servicing is not available to recipients in Canada and in restricted countries. You can not 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 ( one ) permanent residents or external students who arrived in Canada within the last 12 months, or ( two ) impermanent nonmigratory workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and accredit criteria of Royal Bank of Canada. If you do n’t qualify for an unbarred RBC Royal Bank credit card, you may silent be eligible for a credit batting order 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 lotion form must be received by

October 31, 2022

and approved by us. Upon registration, 2,500 bonus RBC Rewards points will appear on your first credit tease statement. extra cardholder ( s ), american samoa 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 registration, 20,000 bonus RBC Rewards points will appear on your inaugural credit card argument. Bonus points offer is only offered to the Primary Business Cardholder on the account ; Secondary Business Cardholder arsenic well as existing RBC Avion Visa Business cardholders as of the offer eligibility period are not eligible for this propose. This offer may not be combined or used in conjunction with any early offer. RBC Royal Bank reserves the proper to withdraw this offer at any time, tied after toleration by you .
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Get preferable sake rates on blue-ribbon GICs. Contact an RBC ramify for more details. 18
available only to newcomers ( please see the newcomer eligibility requirements in disclosure 1 ) who become red blood cell 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 open, with up to 2 IMT transactions per calendar month ( for a sum of 24 IMT transactions ) for RBC Advantage Banking and RBC Signature No Limit Banking accountholders and up to 3 IMT transactions per calendar month ( for a total of 36 IMT transactions ) for RBC VIP Banking accountholders ( the “ ” IMT crack ” ” ). 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 bank explanation opened per newcomer during the Promotional Period, no matter how many eligible Personal bank Accounts one may open during the Promotional Period. If the first personal bank score opened is not an eligible personal deposit Account, the offer is not applicable, even if an eligible personal bank Account is subsequently opened. The IMT Offer will apply if the foremost non-eligible report is upgraded to an eligible personal bank 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 alone one report 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, lone 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 full stand to receive the rebate. If an eligible personal bank Account is downgraded to an ineligible score type or closed, the IMT Offer will cease to apply as of the time of downgrade or blockage 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 tip of $ 10 per transaction. excess debit transaction tip may besides apply depending on the report. Additional overhaul fees by any mediator and receiving savings bank may besides 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 can not send an IMT from a U.S. dollar report or an red blood cell high Interest eSavings report .
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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 rabbet towards the annual fee of your eligible student Credit Card, every year. You will placid be responsible for all early interest charges or fees. For any early RBC Royal Bank citation menu, regular annual fees apply as they are not eligible for a rabbet .
To benefit from a rebate towards the annual fee of an eligible scholar Credit Card, every year, you must :

  1. complete the Student Information section of the credit calling card application human body in fully ,
  2. remain a scholar, and
  3. 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 rabbet on your annual tip until : one ) you close your eligible Student Bank Account, or two ) until the Expected Graduation Year you have provided at the opening of your eligible Student Bank Account, whichever occurs earlier, angstrom long as your recognition card account remains in good stand. thereafter, you will nobelium longer receive the rabbet 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 citation card lotion 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 death of this offer .
extra cardholders ( co-applicants and authorized users ) are not eligible for this offer. only one credit rating calling card annual tip 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 besides the primary cardholder of an eligible scholar Credit Card, only the Primary Owner of the Eligible Student Bank Account will be entitled to the credit card annual tip rebate .
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subject to credit approval. As a exclusive or joint owner of an RBC VIP Banking ( VIP ) account and the primary coil cardholder of one of the eligible credit cards listed below, the annual tip of that eligible credit circuit board will be amply or partially rebated ( as indicated below ), every year, equally long as your credit tease remains in good stand and you remain a VIP account owner. extra cardholders ’ annual fee is besides in full or partially rebated ( as indicated below ), every year, adenine long as your eligible credit card remains in good stand and you remain a VIP report owner. only one credit card annual tip rebate per VIP account is allowed, which means that if you own a articulation VIP account and each co-owner is besides the chief cardholder of an eligible recognition card, merely the primary owner of the VIP account will be entitled to the citation wag annual fee rebate. early conditions and restrictions apply. Rebates that apply to eligible recognition cards are : ( iodine ) fond rabbet of $ 120 for the basal cardholder and $ 50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and ( two ) annual fee fully rebated for the primary cardholder and the extra cardholders ( co-applicant and authoritative users ) on any of the comply 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 report comes with a choice of up to two extra canadian dollar situate accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one extra U.S dollar lodge explanation, limited to the U.S. Personal Account, with the monthly fees waived. note : Due to organization limitations all accounts must be opened by the node in the lapp geographic location or region to be recognized for this bundling feature. If you have questions, please speak to your outgrowth .
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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 commercial enterprise deposit score within 90 days. eligible business deposit accounts include : RBC Digital Choice Business account box, RBC Flex Choice Business account package and RBC Ultimate Choice account box. This offer is entirely available to Small Businesses registered in Canada by newcomers who have been in Canada for 5 years or less. This offer can not be combined with any early offer. The bill must remain loose for at least 6 months from the date it was opened. If the report is closed within 6 months, Royal Bank of Canada reserves the correct to recover the full cash credit. RBC can amend or withdraw this offer at any meter without comment .
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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. Can not send funds from a US dollar account, or the RBC High Interest eSavings bill .
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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 ( second ). View the full number of Terms and Conditions for habit of RBC Royal Bank credit cards

Another RBC site

and/or debit cards

Another RBC site

with Apple Pay. 27
For sole proprietorship registration, “ $ 89 back ” offer, and for incorporation, “ $ 300 back ” offer are each inclusive of any applicable taxes ( “ Offer ” ). extend available when you register or incorporate with Ownr and apply and get approved for a newly RBC business depository report 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 blessing decisions for all BDA applications. Once you complete the Application Criteria, you must log back into your Ownr account and snap ‘Refund Me ‘. You will receive the offer as a credit rating 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 class from the date it is opened but there is no minimum counterweight 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 total 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 comment .
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Request Money is a have of the Interac e-Transfer serve. RBC business deposit accounts will incur an Interac e-Transfer fee of $ 1.50 for each funds request commit. Recipients of the request may have payment limits at their fiscal Institutions .
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ATM use outside Canada
Each history cash withdrawal at an ATM outside Canada displaying the PLUS System symbol and any fees that may be imposed by any one-third party for using the ATM are converted to canadian dollars at an rally rate that is 2.5 % above the benchmark rate set by the payment tease company when the transaction is posted. Exchange rates fluctuate and, as such, the pace applied will normally differ from the post change rate at the time of the transaction .
ATMs – 3 withdrawals from other bank ATMs refunded per Monthly
Cycle 

ATM operator surcharge ( besides called a convenience fee ) may apply. It is charged by a one-third party and added directly to the amount of your cash withdrawal. Totals are not accumulative, and if not used, may not be carried over into the future monthly cycle
ATM – Unlimited banking transactions including Interac and PLUS
System network fees waived 

ATM operator surcharge ( besides called a convenience tip ) may be charged by other ATM operators. The appliance fee is not a Royal Bank fee and is added immediately to the sum of your cash secession. All clients who use non-RBC ATMs may be charged a convenience fee careless of the character of account they hold .
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Autodeposit is a feature of the Interac e-Transfer service. There are no extra fees to register or receive funds via Autodeposit. Standard fees and charges, such as even account deposit fees, apply .
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RBC will refund the Interac network access tip for RBC Signature No Limit Banking report holders, up to a maximum of 3 refunds per Monthly Cycle, if used. RBC will refund the Interac net access tip for RBC VIP Banking account holders, if used. ATM operator surcharge ( besides called convenience fee ) charged by other ATM operators may apply. The convenience fee is not an RBC fee. It is added directly to the measure of your cash withdrawal. All clients who use non-RBC ATMs may be charged a appliance fee careless of the type of account they hold .
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The interest rate is an annual sake rate and a simpleton interest calculation. Interest is calculated casual on the closing credit balance. situate interest is paid monthly to the report on the second commercial enterprise day of the following calendar month, backdated to the previous business day. interest rate is submit to change at any time without poster. hypertext transfer protocol : //www.rbcroyalbank.com/rates/persacct.html

Another 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 utmost of $ 6,000 per Annual Period ; two ) $ 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 menstruation, outright ; three ) $ 0.50 back for every $ 100.00 ( 0.5 % Cash Back Credit ) in net income Purchases you make ( including pre-authorized bill payments ), early than Grocery Store Purchases, improving to a maximal of $ 6,000 per Annual Period, and four ) $ 1.00 back for every $ 100.00 ( 1 % Cash Back Credit ) in net Purchases you make ( including pre-authorized beak payments ), other than Grocery Store Purchases, in excess of $ 6,000 during an annual period, inexhaustible. 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 ” ) can not guarantee that any merchant, operating in wholly or in part as a grocery store store, is classified by MCC 5411 and in no event will Royal Bank be liable or responsible for any claims with deference 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/nofeecashback

Another RBC site

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

Another RBC site

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You will earn iodine ) 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 tease. Purchases made at merchants classified by Visa ‘s “ Merchant Category Code ” ( MCC ) as : ( one ) “ servicing stations ” ( MCC 5541 ) or “ automated fuel dispensers ” ( MCC5542 ) are “ Gas Purchases ” ; ( two ) “ grocery store stores ” ( MCC 5411 ) are “ Grocery Purchases ” ; and ( three ) “ drug stores & pharmacies ” ( MCC 5912 ) are “ Drug Store Purchases ” ( “ Eligible MCCs ” ). tied though some merchants may sell boast, 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. besides, you may make a leverage 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 can not guarantee that any merchant, operating in whole or in region as a gasoline, grocery or drug memory, is classified as an eligible MCC and in no event will we be liable or responsible for any claims with deference to a grocery store leverage made at a merchant that is not classified as an eligible MCC. RBC Rewards points are earned on net purchases merely ; 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, pastime charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts in the first place charged .
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Down requital of less than 20 % of the measure of a property requires a maximal 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 insurance company. This indemnity protects the fiscal mental hospital if you ever default on your mortgage. available for conventional Newcomer Equity and Standard Programs. Default insure 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 finance products are offered by Royal Bank of Canada and are discipline to its standard lend criteria .
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This data is in drumhead form and is intended for general steering and information only. It is not intended to provide fiscal, legal or other advice. It should not be regarded as comprehensive examination or a substitute for professional advice .
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This publication provides general information lone and is not intended to provide particular advice. not intended to offer services or woo customers where prohibited by law. automotive financing products are offered by Royal Bank of Canada and are submit to its standard lending criteria. Some extra conditions apply. offer may be changed or withdrawn at any time, without detect. not available in combination with any early rate discounts, offers or promotions .
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Income earned in a TFSA is tax-exempt in Canada. There are penalties if excess contributions are made. If a canadian house physician is subjugate to tax income on their world income in another country ( e.g. based on citizenship ), the TFSA income may not be tax-exempt in that nation. 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 universe income in another state ( e.g. based on citizenship ), the RESP income may not be tax-exempt in that nation. U.S. taxpayers who contribute to RESPs indigence to comply with U.S. tax requirements such as the annual file on a seasonably 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 maximal 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 on-line invest and trade service for autonomous investors or RBC Wealth Management .
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When you use virtual Visa Debit to make a requital : a ) The merchant performs an authority on your personal down payment account at the time of the leverage and this authority come is immediately debited from that account. This process is followed by a colonization, typically 2-5 business days after mandate, which finalizes the amount of the leverage and, in some cases, reflects adjustments to the initial authority amount. When this happens, a credit adjustment in the amount of the master authority will be credited to your account, followed immediately by a debit adaptation that reflects the final liquidation amount of your leverage. bel ) The funds are debited from your personal deposit bill, which is the report 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 cheque placement on your Client Card is changed before a payment has been settled, it may impact the march of that payment if the merchant needs to adjust the initial authority total. The final colonization measure will be processed on the report that is linked to the primary cheque position on your node Card at the time of village, even if a different account was debited for the mandate amount. Please see your RBC Royal Bank Virtual Visa Debit Agreement for promote 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 depository 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 far 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 total into canadian dollars at an exchange rate that is 2.5 % over a benchmark rate Royal Bank of Canada pays Visa International, a subsidiary company of Visa Inc., on the date of the conversion. For most transactions, the authorization measure debited by the merchant at the time of buy will be adjusted at colonization to reflect changes in the applicable change rate .
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You will earn one ) $ 1.00 back for every $ 100.00 ( 1 % Cash Back Credit ) in net Purchases you make ( including pre-authorized placard payments ) and, two ) for the first 3 full monthly statement periods ( approximately 3 months from the date your account is opened ), you will earn an extra $ 1.00 spinal column for every $ 100.00 ( 1 % Cash Back Credit welcome bonus, for a entire of 2 % ) in net Purchases you make ( including pre-authorized bill payments ), improving to a utmost aggregate Cash Back Credit of $ 650.00 per Annual Period, when you use your RBC Business Cash Back Mastercard to pay. For clarity, the extra $ 1.00 Cash Back Credit welcome bonus will only apply for the first 3 fully monthly statement periods in your foremost annual Period. Provided your New Cash Back Balance is $ 25.00 or more, Cash Back Credits earned during the class will i ) automatically be credited to your January Account libra and appear on your February monthly affirmation, and/or two ) be credited at any other prison term, 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 ), concern charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts in the first place charged. From time to time we may offer bonus cash back promotions and will disclose the terms and conditions in the offer details. For accomplished details, please refer to the RBC Cash Back Program Terms and Conditions at : www.rbc.com/cashbackterms

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. Royal Bank of Canada reserves the right to withdraw or amend this benefit at any time. 51
Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the 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 Each time you use your linked eligible RBC Card to pay for qualifying purchases at a RetailLocation, you will earn a bonus of twenty dollar bill percentage ( 20 % ) morethan you normally earn, in accord with the Petro-Points Terms and Conditions

External Site

. Each fourth dimension you use your linked eligible RBC Card that earns RBC Rewards points to pay for purchases at a retaillocation, you will earn a bonus of twenty percentage ( 20 % ) more red blood cell Rewards points than you normally earn for every $ 1 in purchases in accord with the RBC Rewards Terms and Conditions

Another RBC site

. Please allow up to ninety ( 90 ) days from the date the transaction is posted on your credit rating card statement for the bonus points to be deposited into your RBC Rewards bill. 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 recognition 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 connect 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 liter at the fourth dimension of the transaction.

53

Petro-Canada

and Petro-Points are trademarks of Suncor Energy Inc. Used under license. All other trademarks are the property of their respective owner ( second ) .
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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 board 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 restrict is tracked by the Canada Revenue Agency ( CRA ) ; if you are uncertain of your limit, please check with the CRA .
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To participate in this offer as an RBC business customer, you must have an RBC customer circuit board or credit calling 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 clientele node, you will merely be able to link up to two ( 2 ) eligible business RBC accredit cards and one RBC client circuit board to a Petro-Points score. You must be enrolled in RBC Online Banking for Business in decree to link. Card associate 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/linkbusiness

Another RBC site

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

PDF

59
Includes electronic ( digital ) debit and credit transactions to the report, such as on-line 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 on-line .
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merely includes extroverted 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 .
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There is a restrict 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 .
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1-800-769-2512. Royal Bank of Canada reserves the right to withdraw this offer at
any time, even after acceptance by you. To get a short-haul fledge 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 beginning argument, your lotion form must be approved by us. extra cardholder ( south ), angstrom well as cardholder ( sulfur ) with existing RBC Royal Bank travel rewards credit cards, applying for or transferring to an RBC Avion Visa Infinite wag as of the offer eligibility time period, are not eligible for this extend. This crack may not be combined or used in conjunction with another offer. All applicable taxes, overhaul fees and surcharges are the province of the traveler. For Air Travel Reward redemption details, visit hypertext transfer protocol : //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 inflict : hypertext transfer protocol : //www.rbcrewards.com

Another RBC site

or call. Royal Bank of Canada reserves the correct to withdraw this offer at any time, even after acceptance by you. 63
Trip Cancellation indemnity is subject to a specify of $ 1,500 for each Covered Person ( to an overall utmost 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 passing ascribable to an unexpected or unanticipated covered risk. Trip Interruption indemnity is subject to a maximal limit of $ 5,000 for each Covered Person, per trip, for a sum maximum of $ 25,000. This coverage provides reimbursement for the non-refundable idle part 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 fare to your passing point. Please refer to the Insurance Certificate for complete details regarding these coverages .
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All insurance is discipline to limitations and exclusions. policy benefits are available to canadian residents alone. Coverage underwrite 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 indemnity certificates included in your welcome Kit for complete details .
65
Interac e-Transfer Transactions expire 30 days after they are station and can not be claimed by the recipient after this prison term. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without consign. A $ 5.00 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the transmitter does not cancel the transaction before the 15-day cancellation menstruation .
66
An ATM operator surcharge ( besides called public toilet fee ) may be charged by other ATM operators. The appliance fee is not a Royal Bank tip. It is added directly to the total of your cash withdrawal. All clients who use non-RBC ATMs may be charged a appliance fee regardless of the type of Account they hold .
67
When you use your node Card to make a withdrawal in a currency early than canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts retire and any associate charges imposed by any third gear 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 by and by 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 auxiliary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in impression on the go steady your ATM withdrawal occurred or on the date of the transaction .
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The length of restrain will be four ( 4 ) commercial enterprise days after the day of the deposit if the cheque or other assignable detail is deposited in person with an employee at one of RBC ’ second branches or points of service and is in canadian dollars, disembowel on a canadian branch of a canadian fiscal institution .
The duration of hold will be five ( 5 ) business days after the day of sediment 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, draw on a canadian ramify of a canadian fiscal institution .
The distance of detention will besides be five ( 5 ) business days after the sidereal day of down payment if the cheque or other assignable token is in U.S. dollars and reap on a canadian branch of a canadian fiscal institution .
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The length of hold will be fifteen ( 15 ) occupation days after the first business day of deposit if the cheque or other negotiable item is drawn on a U.S. trust and is deposited at a canadian branch of a canadian fiscal institution .
70
The duration of hold will be twenty-five ( 25 ) occupation days after the first commercial enterprise day of deposition if the cheque or other negotiable item is drawn on a extraneous bank other than a U.S. savings bank and is deposited at a canadian branch of a canadian fiscal initiation .
71
available to newcomers who are ( one ) permanent wave residents or international students who arrived in Canada within the last 12 months, or ( two ) irregular nonmigratory 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 do n’t qualify for an unguaranteed RBC Royal Bank citation calling card, you may calm be eligible for a credit card provided you give us a security deposition 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 registration, 2,500 bonus RBC Rewards points will appear on your first credit calling card statement. extra cardholder ( south ), ampere well as existing RBC Rewards+ Visa cardholders as of the offer eligibility period, are not eligible for this offer. extend may be amended or withdrawn at any time without notice .
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subject to credit approval. The variable annual interest rate will be determined based on information you provide on the application and any credit chest of drawers information. The annual matter to pace is based on the Prime Rate plus an extra 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 concern rates on canadian dollar commercial loans in Canada. Our Prime Rate in effect on the first commercial enterprise day of the calendar month will be the Prime Rate we use for the purposes of calculating your annual matter to pace for the statement period ending in that calendar month, even if our Prime Rate has changed during the calendar month. The Prime Rate may fluctuate from time to time. It can be found in all our branches or on-line at www.rbcroyalbank.com/rates

Another RBC site

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RBC Royal Bank style cheques can be ordered only through RBC ’ s third-party empower cheque-printing service provider. The order must be placed within three years of the Account open date. The first order is for 50 rid personalized cheques with no special addition check features and includes ship and wield, afterwards fees put on .
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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 report fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable history agreement for far details. You must request a Virtual Visa Debit card .
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When you enroll your eligible RBC personal bank report 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 report tied to your enroll score. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service supplier with the come electronically debited immediately from your enroll account or using your RBC Virtual Visa Debit for purchases online. RBC Rewards points are governed by the RBC Rewards Terms and Conditions

Another RBC site

available on our web site, 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 release of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please consult to the department labelled “ Rebates and Discounts : red blood cell 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 report to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements text file .
To be considered a full-time student, you must attend a primary or junior-grade school OR be enrolled in a program at the post-secondary level at a college, university or early educational initiation ( whether in Canada or not ). If you are a post-secondary scholar, you must take at least 60 % of the usual course load for the plan in which you are enrolled in any particular semester. Proof of registration may be requested at our free will .
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Your RBC Virtual Visa Debit is associated with your basal cheque report. This is the account you access with your RBC Royal Bank Client Card when you select the “ Chequing ” option on a merchant payment concluding or at an automated narrator machine. RBC Virtual Visa Debit is not available to business clients .
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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 historic period of 22. RBC Online Banking is operated by Royal Bank of Canada .
79
Arrive is powered by RBC Ventures Inc., a auxiliary of RBC. 81
April 19, 2022 – June 30, 2022 (“Promotional Period”). This Promotional 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 complies with the terms of the offer. The Promotional Offer is a one-time use, non-transferable Live Nation $75 Concert Cash code (“Code”) redeemable until 11:59 PM PST on April 30, 2023 and good toward $75-off the final ticket-purchase price for one or more select Live Nation produced and promoted concert(s) or event(s) in Canada ticketed on

To qualify for the Code you must open your first new Eligible Personal Banking Account by 9:00 promethium EST on June 30, 2022 and complete two of the following Qualifying Criteria by 9:00 prime minister EST on August 25, 2022 using your Eligible Personal Banking Account:
i. a minimal of one purchase transaction completed using any of the trace : your RBC Client Card, an RBC Virtual Visa Debit card associated with your eligible personal bank Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay ;
two. a minimum of one ( 1 ) Interac e-Transfer using RBC Online Banking or the RBC Mobile app ; or
three. a minimum of one ( 1 ) fluid cheque deposit using the RBC Mobile app .

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.

  • To claim the Code promotional offer, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified to receive the code. This message will be sent at any time up to 8 weeks after all Qualifying Criteria have been completed. The message will contain a link to a webpage with instructions on how to obtain your unique Code through RBC Online Banking. This Promotional Offer is provided and administered by RBC. However, the Code and your use of the Code, as well as any ticket-purchase transaction through Live Nation or Ticketmaster that you make, are subject to additional terms and conditions from Live Nation and/or Ticketmaster, as further described below.
  • Code use/redemption is subject to Live Nation’s Code Terms, available online at ticketmaster.ca/75rbc ( opens to external locate ).
  • Subject to Live Nation’s Code Terms, Codes are redeemable only on the website located at http://www.ticketmaster.ca/75rbc ( opens to external web site ).
  • Each Code is a one-time-use-only promotional code provided by Live Nation and good toward $75 off the final ticket-purchase price for one or more select Live Nation produced and promoted concert(s) or event(s) in Canada ticketed on ticketmaster.ca/75rbc ( opens to external web site ), based on availability under the Concert Cash program.
  • Codes cannot be used toward VIP Nation®, TicketsNow® or events not ticketed by Live Nation, fan clubs, ticket packages, gift cards, merchandise, credits or shipping charges. Additional exclusions may apply to TM+, Platinum, Fan-to-Fan Resale, TicketExchange by Ticketmaster®, events at AEG venues and tickets not sold directly by Live Nation and Ticketmaster.
  • All ticket purchases are subject to the Live Nation Purchase Policy ( opens to external locate ). Codes must be redeemed with an eligible ticket-purchase transaction by 11:59 PM PST on April 30, 2023. A Code can be used only once. A maximum of one (1) Code may be applied per ticket-purchase transaction. (For added clarity, a transaction may include the purchase of tickets to multiple eligible events, but the Code may only be use in one (1) such transaction.)
  • Codes are void if not obtained through authorized, legitimate channels, or if any part is defective, altered, duplicated, photocopied, forged, counterfeited, mutilated or tampered with in any way, or if Codes contain or are the result of a printing, seeding, typographical, mechanical or other error(s), or do not contain proper security devices (each an “irregular Code”). Any attempt to obtain or generate multiple Codes and/or irregular Codes and/or to use multiple names, email addresses, phone numbers and/or any fraudulent or other non-permissible mechanisms to obtain Codes, as determined by Live Nation in its sole discretion, shall give Live Nation and/or RBC the right to disqualify the user of any such Code, even if such user is an Eligible Client and has otherwise met the criteria of this Promotional Offer. Codes have no cash value and cannot be exchanged for cash or credit, except as required by law. Codes cannot be sold or bought and will be void if sold or exchanged for compensation. Any unused value will be forfeited. Codes cannot be combined with other product offers or promotions. Ticket(s) purchased with a Code may be for personal use or gifts only and are not valid for resale. Codes cannot be used for past purchases or offers. Use of a Code for unauthorized advertising, marketing or other promotional purposes is strictly prohibited.
  • Codes cannot be replaced if lost or stolen and Live Nation is not responsible for any damage or loss resulting from unauthorized use of a Code.
  • Codes are void where prohibited by law.
  • If a Code is used in violation of these Terms, Live Nation reserves the right to (a) cancel any ticket order, or (b) charge user’s credit card for the value of tickets after shipment. Once tickets are issued, they cannot be exchanged for other tickets or merchandise.
  • Live Nation Canada, Inc., not Royal Bank of Canada, is entirely responsible for the use/redemption of the Code.

Promotional 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 offer available ( “ Promotional Period ” ). This promotional offer is available to any eligible student Client without a personal bank Account with Royal Bank of Canada at the begin of the Promotional Period or in the three-year period before the begin of the Promotional Period, and who otherwise complies with the terms of the put up. The Promotional Offer is a erstwhile use, non-transferable Live Nation $ 75 Concert Cash code ( “ Code ” ) redeemable untilonand good toward $ 75-off the final examination ticket-purchase price for one or more choice Live Nation produced and promoted concert ( randomness ) or consequence ( sulfur ) in Canada ticketed on ticketmaster.ca/75rbc

(opens to external site)

, based on handiness. You will receive a singular Code if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer. Any unused share of the value of the Code not used in your single transaction will be forfeited.To modify for the Code you must open your first newly eligible personal banking Account byEST onand complete two of the following Qualifying Criteria byEST onusing your eligible personal bank report : 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.Promotional offer may not be combined or used in conjunction with any early personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, flush after acceptance by you. For full details including defined terms visit rbc.com/75concert 82
We will rebate the standard NSF fee of $ 45.00 for your beginning 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 idle NSF fee rebates from previous calendar years .
83
Up to $ 650 value is a combination of : ( i ) 12-month monthly fee release with an RBC Advantage Banking report ( a respect of $ 143.40 based on the monthly fee of $ 11.95 ), ( two ) fee release for up to 2 International Money Transfer transactions per calendar month for one class ( $ 10 for each IMT transaction, up to $ 240 value ) until October 31, 2022, ( three ) small safe deposit box tip release for two years ( $ 120 value ) until December 31, 2022, ( intravenous feeding ) up to 6,000 RBC Rewards points with an RBC Rewards+ Visa credit batting order ( up to $ 60 prize ). ( volt ) $ 100 cash bonus offer with an RBC Advantage Banking report that is opened between January 4, 2022 and March 31, 2022 with qualifying criteria completed by May 31, 2022 .
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up to 6,000 RBC Rewards points is a combination of 2,500 welcome RBC Rewards points single 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 endowment cards for 2,500 points. All rewards are subject to handiness. The regular redemption pace for RBC Rewards members, other than RBC Rewards+ cardholders, is 3,500 RBC Rewards points for a $ 25 giving 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 give cards, is 3,500 RBC Rewards points .
86
To receive 3,500 RBC Rewards points on your RBC Rewards+ Visa credit rating circuit board history as character of our digital bonus crack, get 500 points for completing each of the trace activities within 60 days of credit card approval : ( one ) share your electronic mail savoir-faire with us, ( two ) sign up for eStatements for your card, ( three ) 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 report ), ( intravenous feeding ) make an Interac e-Transfer with the RBC Mobile app or RBC Online Banking, ( vanadium ) Transfer funds with the RBC Mobile app or RBC Online Banking, ( six ) deposit a cheque with the RBC Mobile app and ( seven ) pay a bill with the RBC Mobile app or RBC Online Banking. Additional cardholder ( randomness ), angstrom 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 clock without notice .
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express time offer must be fulfilled within 60 days from date of recognition circuit board blessing. This offer is not movable, may not be combined or used in concurrence with any other volunteer. crack may be changed, cancelled or recluse at any prison term. merely the Primary Cardholder of an RBC Rewards+ Visa card is eligible for this offer and may receive a erstwhile bonus of 500 RBC Rewards points ( “ Bonus Points ” ) for each listed offer ( each a “ Bonus Offer ” ) up to a maximal 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 tease affirmation. primary Cardholder can provide us their electronic mail address and sign up for eStatements through RBC Online Banking by visiting a branch or calling 1-800-769-2512 .
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To bank with RBC means you must hold any of the follow RBC trust accounts ( each an “ eligible Account ” ) : red blood cell 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 ramify .
90
Interac e-Transfer transactions are loose for all RBC personal cheque 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 history ( see note 18 ) .
91
Deposits are subjugate to the lapp utmost depository limits ampere well as release and requital amounts as deposits made at an RBC Royal Bank ATM. Cheques will besides be discipline to our Personal Banking hold policies .
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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 biennial rental ( offer ends December 31, 2022 ) of a humble safe deposit box ( SDB ), where such boxes are available. Standard safe lodge box fees are collected in advance in January for each calendar year. If you open, switch or are converted to an eligible history, the standard fee applicable to your eligible safe deposit box will be waived in wax or in region for the current year, depending on the clock when the box is opened, and in wide for the take after year. RBC VIP Banking score holders receive one small box free as a criterion feature of speech of that report character, so long as they maintain their red blood cell VIP Banking report in commodity resist ; offer can not be combined with any other condom down payment box offer. offer is submit to change without notice
93

Legal 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 rescue report, or GICs and other term deposits ) with any of these institutions are eligible for CDIC deposit indemnity coverage provided they are account payable in Canada. For more information, including conditions of coverage, contact CDIC directly at information @ cdic.ca or 1 ( 800 ) 461‑2342 .
Quebec only: If a undertake investment certificate is with Royal Bank Mortgage Corporation or The Royal Trust Company, it is a deposit within the think of of the Deposit Institutions and Deposit Protection Act ( Quebec ) .
94

Legal Disclaimer

Please consult the Application Package documents for restrictions, limitations, and extra conditions that apply to all wire transfers sent by you to us, or returned by us to you .
95

Legal Disclaimer

1-800-769-2512). All rewards are topic to handiness 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 ( ). 96

Legal Disclaimer

This information is for demonstrative and general information purposes only, and is not intended to provide specific fiscal or early advice, and should not be relied upon in that respect .
97

Legal Disclaimer

This is for general information purposes lone and should not be relied upon as a complete tilt of all considerations when looking to purchase a new vs. used vehicle.

98

Legal Disclaimer

Financing rates available at participating dealerships on choose vehicles .

generator : https://www.peterswar.net
Category : Finance

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