Rbc service a la clientele rbc us online banking Service à la clientèle. Comment dois-je procéder pour virer des fonds à un client d’une autre banque . Paiements pour tous les produits, sauf la carte Visa Or en dollars US RBC Banque Royale C. P. 4016 Succursale A Toronto Ontario M5W 2E6. Protection-Solde est une police d’assurance crédit collective établie par Assurant Solutions et offerte aux titulaires de carte Visa admissibles de RBC Banque Royale. Assurant Solutions est une dénomination commerciale des succursales canadiennes de l’American Bankers Life Assurance Company of Florida et de l’American Bankers Insurance.

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Moving to a new country can be overwhelming and will include many questions. Let us make your transition easier by providing you with trusted advice and resources to help you get off to a great start. As you build your new life in Canada, let us help you take the next step towards getting settled. Whether you feel ready to buy a home, invest or start a business—or you just need banking and credit assistance—we can help. To make a free collect call, contact your Telephone Directory system or an International Operator to obtain the International Access Code or other unique dialing codes that may apply in your country. Available only to (i) Newcomers to Canada who arrived within the last 5 years and (ii) for non-credit card accounts. This offer may be withdrawn at any time and is subject to change without notice. Must show proof of entry into Canada and provide supporting documents such as landing papers or permanent resident card. 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. 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. 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. 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. 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. 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. See your RBC mortgage specialist or find an RBC mortgage specialist 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. 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 conditions 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. 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. 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. 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. 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. 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. dollar account or the RBC High Interest e Savings account. 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. 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. Available only to newcomers (please see the newcomer eligibility requirements in disclosure 1) who become RBC clients between April 1, 2020 and September 30, 2020 (Promotional Period) by opening an RBC Advantage Account, RBC No Limit Banking Account, RBC Signature No Limit Banking Account or RBC VIP Banking Account (each an Eligible Personal Banking Account). Rebates for International Money Transfer (IMT) transaction fees will be given for up to 12 months from the date of account open, with up to 2 IMT transactions per month (for a total of 24 IMT transactions) for RBC No Limit Banking & RBC Signature No Limit Banking Account holders and up to 3 IMT transactions per month (for a total of 36 IMT transactions) for RBC VIP Banking Account holders (the Promotional Offer). Rebates to be applied to the Eligible Personal Banking Account within 45 days of a qualifying IMT transaction. Offer applies only to the first personal banking 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 personal banking account opened is not an Eligible Personal Banking Account, the offer is not applicable, even if an Eligible Personal Banking Account is subsequently opened. Offer does apply if the first non-eligible account is upgraded to an Eligible Personal Banking 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. 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 jointly-held 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 to an ineligible account or closed, the Promotional Offer will cease to apply as of the time of downgrade or closure and unrebated transactions will not be credited. 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: 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. 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. 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. 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. 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. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. If you have questions, please speak to your branch. 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. 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. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Cannot send funds from a US dollar account, or the RBC High Interest e Savings account. RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. RBC Canada, RBC Wallet, RBC Rewards and RBC e Gift are operated by Royal Bank of Canada. RBC Online Banking and Telephone Banking are provided by Royal Bank of Canada. Transaction fees may apply for bill payments or fund transfers made through Online Banking and are separate from access fees. Apple, Apple Pay, i Phone, i Pad and Mac Book 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 cards You must open an RBC business banking account within 60 days of completing your business registration or incorporation with Ownr. 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. 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:// 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 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. 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. 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. 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. 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 com/nofeecashback 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. 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. 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. 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. 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. Offer may be changed or withdrawn at any time, without notice. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. Not available in combination with any other rate discounts, offers or promotions. There are penalties if excess contributions are made. Income earned in an RESP is tax-deferred in Canada. If a Canadian resident is subject to taxation on their world income in another country (e.g. There are penalties if excess contributions are made. based on citizenship), the TFSA income may not be tax-free in that country. If a Canadian resident is subject to taxation on their world income in another country (e.g. taxpayers who contribute to RESPs need to comply with U. tax requirements such as the annual filing on a timely basis of IRS Forms 35-A. based on citizenship), the RESP income may not be tax-free in that country. 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. Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. 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. 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: com/cashbackterms 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 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 $5,5 and 2017, $10,0, $5,5 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. 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. 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/linkbusiness 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: com/cashbackterms 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), 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:// 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. 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. 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. dollars and drawn on a Canadian branch of a Canadian financial institution. 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. bank and is deposited at a Canadian branch of a Canadian financial institution. 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. bank and is deposited at a Canadian branch of a Canadian financial institution. 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. 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. It can be found in all our branches or online at Offer 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 March 23, 2020 and December 31, 2020 (“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. TELUS $50 Prepaid Top-Up offer valid for activation until December 31, 2020. 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. 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. This offer may be withdrawn at any time and is subject to change without notice. TELUS, the TELUS logo, the future is friendly and are trademarks of TELUS Corporation, used under license. 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. TELUS, not Royal Bank of Canada, is responsible for the terms and conditions associated with any TELUS offer, product or service. This offer is available to any Eligible Student Clients which for purposes of this offer includes international students (refer to ^) 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 Terms 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 PM EST on June 30, 2020 and complete two of the following Qualifying Criteria by PM EST on August 31, 2020 using your Eligible Personal Banking Account: mobile cheque deposit, 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. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. Founded in 1996, West Jet is the second-largest airline in Canada and has been growing quite a bit over the years. Beyond North America, West Jet now flies to Europe and have announced that they will be flying to Asia come 2019. In addition, they have a low cost carrier in Swoop which started flying in 2018. Their customer service has always been highly regarded, but one little known fact is that their loyalty rewards program – West Jet Rewards – is one of the best airline loyalty programs in the world. What makes it so great is that you earn West Jet Dollars with every travel expense booked through West Jet’s website so it’s essentially a cash-back program. Enrolling into West Jet Rewards is free and you can earn points immediately on flights that you have currently not taken. Unfortunately, you won’t be able to earn any West Jet Dollars on flights you have taken so you’ll want to sign up right away. If you want to increase the rate at which you earn West Jet dollars, then you should apply for one of the West Jet credit cards that are partnered with RBC. With the standard West Jet RBC Master Card, you earn 1% back in West Jet Dollars on all purchases and 1.5% back in West Jet Dollars when you book West Jet flights or vacation packages. This card has a $39 annual fee, but comes with a sign-up bonus of 50 West Jet Dollars after you make your first transaction. The premium West Jet RBC World Elite Master Card helps you earn even more West Jet Dollars. With it, you’ll earn 1.5% back in West Jet Dollars on all purchases and 2% back when you book West Jet flights or vacation packages. This card has a $119 annual fee, but comes with a sign-up bonus of 250 West Jet Dollars a $99 companion flight each year. If you want to earn West Jet Dollars for every $1 you spend, here are more details on the West Jet RBC World Elite Master Card: Make no mistake, the West Jet RBC World Elite Mastercard is a must have card if you fly West Jet regularly. Besides the maximum West Jet Dollars earning potential, you’ll also get your first checked bag free for the primary cardholder and up to 8 additional guests on the same reservation. An annual round-trip companion voucher from $99 (plus taxes, fees and charges) and a comprehensive travel insurance package is also included. Like many other airline loyalty programs, West Jet Rewards is tiered so those who fly often with West Jet end up in the higher tiers. However, West Jet Rewards tiers aren’t based on miles and segments. Instead, your tier is based on how much you spend and it’s surprisingly easy to move up to the higher tiers. Silver status is automatically granted when you spend $3,000 on West Jet travel while Gold happens when you hit $6,000 in spending. As you can image, the higher your tier, the more benefits you get. Here are the different West Jet Rewards tiers: You can use your West Jet credit card West Jet ID to maximize your return. For example, if your West Jet RBC World Elite Master Card already helped you earn 2% back in West Jet Dollars for booking a flight through the West Jet website, you’d earn an additional 1-5% back in West Jet Dollars based on your tier. Teal, Silver, and Gold tiers earn you an additional 1%, 3%, and 5% in West Jet dollars which works out to 3%, 5%, and 7% respectively when booking flights through the West Jet website. West Jet and Delta Airlines are partnered to give West Jet Rewards members another opportunity to earn even more West Jet Dollars. If you need to travel with Delta, simply book through their site and remember to enter your West Jet ID. The number of West Jet Dollars you earn is based on the distance flown, class of service and fare classification. You can read more about this on the West Jet website. (And again, don’t forget to pay with your West Jet credit card to earn even more West Jet Dollars! Every 1 West Jet Dollar is treated as 1 Canadian dollar and can be used to book flights and vacation packages with West Jet. There are no redemption tiers or region categories. The only two restrictions are that (1) you must redeem a minimum of $25 West Jet Dollars and (2) West Jet Dollars cannot be used to pay for taxes, fees and other charges (you must pay for those yourself). In order to redeem, simply book your flight through this page on the West Jet website. Since 1 West Jet Dollar = 1 Canadian dollar, it’s easy to calculate your return when redeeming them. For example, if you have 371 West Jet Dollars, you can wipe out $371 off the base fare of a West Jet flight or vacation package. Even though you’ll need to pay whatever amount is leftover the taxes/fares/charges, that’s still a perfect conversion rate from West Jet Dollars to Canadian dollars. If you don’t fly West Jet, but still want to earn travel rewards, there are some other options available to you. One of the best travel credit cards in Canada is the Scotiabank Gold American Express card, which offers one of Canada’s highest earn rates, giving you four Scotia Rewards points for every dollar spent on gas, groceries, entertainment, and restaurants — that’s 4% back in rewards — and one point per dollar on all other purchases. Scotia Rewards can be redeemed for travel (flights, hotels, car rentals, cruises, vacation packages), gift cards, and merchandise from retailers such as Apple and Best Buy. This card’s travel rewards program is truly flexible: points can be used to cover all taxes, fees, and surcharges. There are no blackout dates, and you can travel on any carrier. You can book your trip yourself or use Scotia’s full-service travel agency, and have the option of paying for your trip with points upfront or charging the cost to your card and redeeming points to cover it later. The card includes access to VIP airport lounges worldwide with a Priority Pass membership (renewed annually), complimentary concierge services, extensive travel insurance, and access to American Express Invites. Rbc westjet rewards rbc namao WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. Legal note 6 †Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight 8 additional guests travelling on the same reservation; not valid for companions when travelling on a group booking 10+ guests on the same reservation. Learn how to become a WestJet Rewards member, redeem WestJet dollars, use companion vouchers, and earn more rewards with a WestJet RBC Mastercard. TORONTO, June 13, 2018 - RBC and West Jet announced today they are creating Ampli, a next generation loyalty platform that will deliver unparalleled value to consumers through amplified earning power on a simple and convenient digital solution. Open to all Canadians, Ampli will provide members with merchant offers, flexible rewards and exclusive bonuses. In addition, members who spend on RBC cards and fly with West Jet will further amplify their rewards. Ampli brings RBC and West Jet, who are already partners on the West Jet RBC World Elite Master Card, together in a unique alliance that will complement their existing proprietary loyalty offerings. Through Ampli, other top Canadian brands will also have the opportunity to deepen their engagement with consumers. “The Canadian loyalty landscape is ready for disruption, and Ampli is a fundamental shift in the business model,” said Dave Mc Kay, President and CEO of RBC. “We are bringing together top Canadian brands to help them reach consumers more efficiently and effectively. We will also provide consumers with opportunities to earn rewards and save money like never before.” Over the coming months, additional merchant partners will be announced. “We’re delighted to partner with RBC on this new venture. With Ampli, we can provide greater value to the millions of our combined customers by leveraging the power of the platform to deliver personal and relevant offers,” said Ed Sims, President and CEO of the West Jet Group of Companies. “Moreover, Ampli will provide the ability to better serve our guests and help West Jet fly even more premium travellers.” Ampli will debut later this year. About RBC Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. About West Jet Together with West Jet’s regional airline, West Jet Encore, we offer scheduled service to more than 100 destinations in North America, Central America, the Caribbean and Europe and to more than 175 destinations in over 20 countries through our airline partnerships. Our success comes from the 81,000 employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. West Jet Vacations offers affordable, flexible vacations to more than 60 destinations and the choice of more than 800 hotels, resorts, condos and villas. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our 16 million clients in Canada, the U. Members of the West Jet Rewards program earn West Jet dollars on flights, vacation packages and more. Members use West Jet dollars towards the purchase of flights and vacations packages to any West Jet destination with no blackout periods, and have access to Member Exclusive fares offering deals to West Jet destinations throughout our network and those of our partner airlines. West Jet is proud to be recognized as Best Airline in Canada and Travellers’ Choice winner – North America for 20 in the Trip Advisor Travellers’ Choice awards for Airlines. The airline was also named the Travellers’ Choice Winner – Economy, North America, 2018. All awards are based on authentic reviews from the travelling public on Trip Advisor, the world’s largest travel site. We are one of very few airlines globally that does not commercially overbook. West Jet is publicly traded on the Toronto Stock Exchange (TSX) under the symbol WJA. For more information about everything West Jet, please visit When it comes to credit cards and travel rewards programs, this last year might have seemed a little dark for Canadians. With Chase pulling all of their cards from Canada, Air Canada and Aeroplan parting ways, and credit cards being devalued right before our eyes, Canadians have been waiting with anticipation for something to come along that will really wow us. With the recent announcement coming from RBC and West Jet we have been left to wonder… On June 13th, 2018, RBC and West Jet released a statement announcing that they were going to take their partnership to the next level. RBC and West Jet announced today they are creating Ampli, a next generation loyalty platform that will deliver unparalleled value to consumers through amplified earning power on a simple and convenient digital solution. Open to all Canadians, Ampli will provide members with merchant offers, flexible rewards and exclusive bonuses. In addition, members who spend on RBC cards and fly with West Jet will further amplify their rewards.” this announcement has created a bit of a stir. The plan for the new Ampli loyalty platform isn’t to replace the existing partnership between RBC and West Jet, but instead, it will be its own separate thing. Ampli will be a loyalty platform, available to all Canadians, but will award members with extra perks and benefits for banking with RBC and traveling with West Jet – thus enhancing their existing partnership. This comes as a bit of relief to many Canadians who carry the West Jet World Elite card in their wallets, because not only does this card give cardholders some major rewards, but it also comes with some great West Jet perks like: “We are bringing together top Canadian brands to help them reach consumers more efficiently and effectively. We will also provide consumers with opportunities to earn rewards and save money like never before.” …and over the next coming months, we are expecting more merchant partner and details to be announced. The release date of the program hasn’t even been announced, we only know that it will be released later this year. When we reached out to RBC and West Jet to see if we could get a little more information, we were given the following responses: “West Jet and RBC will be debuting Ampli later this year. We are still working on the details but Ampli will provide its members with offers, flexible rewards and exclusive bonuses. In addition, members who spend on the RBC card and fly with West Jet will have the opportunity to further amplify their rewards. Kind regards.” For existing programs like AIR MILES and Aeroplan to retain their users, they are going to have to start upping their game a little. Hopefully, we will start seeing some new perks, heightened sign-up bonuses, and even a few more competitors hitting the market. And a few more no foreign transaction fee credit cards wouldn’t hurt either! How do you feel about new announcement from RBC and West Jet?


The Royal Bank of Canada and West Jet are partnering on a new loyalty platform. The platform called Ampli will include merchant offers and rewards for members who spend with the bank and fly with the airline. The bank plans to release it by the end of the year and says it will announce additional merchant partners in the coming months. RBC President and CEO Dave Mc Kay said in a statement that the companies were rolling out the platform because the Canadian loyalty landscape is "ready for disruption" and they want to help consumers save money. The platform builds on the previous West Jet RBC World Elite Master Card program partnership. The new loyalty platform comes months after one of West Jet's biggest rivals, Air Canada, announced it is pulling out of Aimia Inc.'s Aeroplan program to build its own loyalty system. To encourage thoughtful and respectful conversations, first and last names will appear with each submission to CBC/Radio-Canada's online communities (except in children and youth-oriented communities). By submitting a comment, you accept that CBC has the right to reproduce and publish that comment in whole or in part, in any manner CBC chooses. Please note that CBC does not endorse the opinions expressed in comments. Comments on this story are moderated according to our Submission Guidelines. We reserve the right to close comments at any time. The fact is, Canadians prefer to do the majority of their banking in one place and so many will look to their bank to provide a solid rewards credit card to help them earn points on everyday spending. I don’t mind taking shots at the big banks for charging excessive fees and delivering, shall we say, less than compassionate customer service. But I also like to give credit where credit is due, and that’s why I’ve rounded up the best travel, cash back, and speciality rewards credit cards offered at each of the big banks. We’ll start with Scotiabank, which has – hands down – the best overall suite of credit cards on the market. Best travel: Scotiabank Gold American Express This travel card lets you earn big rewards for spending in core categories like groceries, gas, dining, and entertainment – at 4x the points you’ll earn rewards quickly. Redeem your points by booking travel through Scotia Rewards or book on your own and apply points to your trip expenses later. Best cash back: Scotia Momentum Visa Infinite The current cash back king in Canada gives you 4 percent cash back on your grocery and gas spending, plus 2 percent back at drug stores and on recurring bill payments. Best specialty: Scene Visa card I’ve described this rewards card before as a hidden gem and that’s because you can earn an incredible return on your spending when you pair it with a Scene rewards card and redeem points for free movies. A favourite amongst students and movie-lovers alike, this no-fee card pays 5 Scene points for every $1 spent at Cineplex theatres, plus 1 Scene point for every $1 spent elsewhere. Canada’s biggest bank offers the next best suite of credit cards, led by an impressive line-up of travel rewards cards. Best travel: Tie between RBC Avion Visa Infinite and West Jet RBC World Elite Master Card RBC Avion Visa Infinite is one of the most popular travel rewards cards in Canada because of the ability to book flights with any airline with no blackout periods. You can also turn RBC rewards points into West Jet dollars and British Airways miles. The West Jet RBC World Elite Master Card, on the other hand, is tops for frequent West Jet flyers and offers a generous round trip companion flight every year for just $99 (plus fees and taxes) to anywhere in Canada or the continental U. Best cash back: RBC Cash Back Master Card This no-fee card pays 2 percent back on your first $6,000 spent annually on groceries. It also pays 1 percent back on your first $6,000 spent annually outside of grocery stores.: None. Best specialty: Target RBC Master Card / RBC Shoppers Optimum Master Card Now that Target has fled the country with its tail between its legs, this category goes to the Shoppers Optimum Master Card, which earns you 15 points for every dollar spent at Shoppers stores, plus 5 points for every dollar spent elsewhere. Coming in third is BMO with its decent line-up of World and World Elite Master Card’s. Best travel: BMO World Elite Master Card After Capital One discontinued its Aspire Travel World Master Card, this premium offering from BMO might have a case for being the top travel rewards credit card in Canada. Earn 2 percent back on every dollar spent, and your points will cover ALL flight charges – including taxes. It also has top-of-the-line insurance benefits, including out of province medical coverage. Best cash back: BMO Cash Back World Master Card This cash back card comes with a $79 annual fee but pays a straight 1.25 percent back on your spending. You’ll also earn 3 percent cash back on purchases at Shell and get complimentary roadside assistance coverage. Best specialty: BMO SPC Cash Back Master Card Another student favourite, this one pays 0.5 percent cash back on all spending, plus SPC discounts of 10 to 15 percent at hundreds of stores across Canada. Even though the bank wound up losing half of its Aeroplan portfolio to TD, it still comes in fourth place with a well-rounded credit card line-up. Best travel: CIBC Aventura Visa Infinite card After losing its exclusivity of Aeroplan-branded cards, CIBC revamped its Aventura offering to become the anti-Aeroplan – by focusing on a better redemption experience with no blackout periods or restrictions, and points that don’t expire. Cardholders get 1.5 points for every dollar spent at gas stations, grocery stores, and drug stores. Best cash back: CIBC Dividend Unlimited World Elite Master Card*This cash back card pays 0.5 percent on your first $3,000 in spending, 1 percent on spending between $3,000 and $15,000, 1.5 percent on spending between $15,000 and $35,000, and 2 percent on spending between $35,000 and $50,000.*Although it’s the best that CIBC offers in the cash back space, the tiered earnings structure, coupled with the $79 annual fee, makes this cash back card a dud. Best specialty: CIBC Tim Hortons Double Double Visa card A soon-to-be rival to Scotia’s Scene card for students across the country, the Double Double Visa card gives you 1 percent back in Tim Cash with every purchase. You’ll also get a free Timbit 50 pack for every 50 purchases, plus a free baked good when you make 5 purchases per month. TD made a big splash when it lured half of the Aeroplan-branded credit card portfolio away from CIBC, however outside of its new suite of Aeroplan cards, TD’s credit card line-up leaves something to be desired. Best travel: TD First Class Visa Infinite card Aeroplan gets all the attention, but the TD First Class Visa Infinite stands out for its excellent insurance coverage and flexible options when it comes to redeeming points. Earn 1.5 percent return on your spending, plus a 4.5 percent return on any travel booked through Expedia. Best cash back: TD Gold Elite Visa card*This cash back card pays a straight 1 percent back on all purchases, with no limit to how much you can earn.*But with a $99 annual fee, and no option to earn bonus points on your spending, this is an uninspiring offering from TD and not worth applying. Best specialty: TD Drivers Rewards Points Visa This is a no-fee card, but that’s about all it has going for it. Drivers Rewards is so bad that it made the list of worst rewards cards on the market. Many of the best rewards cards come from credit card issuers like Capital One, Chase Canada, and MBNA. But, as we’ve seen in recent years with the devaluing of the Smart Cash card, and the discontinuing of cards like Aspire Cash, Aspire Travel, and even Chase’s Sears Master Card, we can’t always count on these card issuers to keep their products on the market (and at market leading rewards). That’s why it might be safer to go with one of the big banks, especially if you prefer to have some consistency when it comes to the cards in your wallet. Rbc westjet rewards verified by visa rbc All terms, conditions and restrictions applicable to WestJet Rewards are established by WestJet and shall apply to all bookings, travel arrangements and other services offered or provided by WestJet. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. †Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight 8 additional guests travelling on the same reservation; not valid for companions when travelling on a group booking 10+ guests on the same reservation. WestJet, not Royal Bank of Canada, is responsible for WestJet Rewards. Legal note 6 †Valid for primary cardholders of the WestJet RBC World Elite Mastercard and up to eight 8 additional guests travelling on the same reservation; not valid for companions when travelling on a group booking 10+ guests on the same reservation. How to Transfer Points Choose the type of account you’d like to transfer points to then select the amount of points available in your account that you would like to transfer to a second valid RBC Rewards account. You must know the full name and 16-digit card number of the recipient RBC Reward account to complete this redemption request.