We’ve rounded up the latest and best RBC new account offers here so you can easily compare promotions and get the best deal for you. In the past, we saw a free RBC iPad offer, free Apple Watch offer and bonus cash offers — often worth hundreds of dollars — for opening an eligible RBC chequing account.
Check out the list of current RBC promotions on offer below (plus the free iPad offer), and compare with other Canadian bank offerings.
All RBC new account offers and promotions on now
We’ve gathered together the latest RBC promotions and offers available now so you can easily browse through the current RBC promos and compare deals.
RBC Signature No Limit Banking Account
Get the new Apple Watch Plus when you open your first RBC Signature No Limit Banking Account, plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. Apply by June 1, 2026.
Through RBC's Value Program Rebate, pair this account with other eligible RBC accounts and save up to $11.95 per month. Only pay $10.95/month for this account with 2 other eligible RBC products.
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$2
Highlights
5 free cross-border debits per month ($1.00 each afterwards)
FINDER REWARDS EXCLUSIVE
ENDS SOON
Get $150 from Finder
Open an RBC Signature No Limit Banking Account through Finder to receive a $150 digital Visa card, plus qualify for RBC’s official welcome offer of a new Apple Watch. Offer ends March 31, 2026.
Separate T&Cs apply.
Get 15,000 Avion points. Plus, pay no monthly fee for a year. Conditions apply. Apply by March 31, 2026.
Monthly fee
$4
Waiver
If you have two other eligible products with RBC (such as a credit card and personal investment account) or you're a senior or RDSP beneficiary
Transactions
12/month
Interac e-transfers
unlimited
Non-network ATM in Canada
$2
RBC Advantage Banking
No monthly fee for one year for newcomers
Monthly fee
$12.95
Waiver
The monthly account fee is reduced if you have 2+ eligible RBC products (such as a credit card and personal investment account). It's waived for full-time students and newcomers to Canada. Seniors will pay just $7.95 per month.
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$0
Highlights
If you link your RBC debit card to your Petro-Canada Petro-Points card, you can save 3 cents per litre on gas every time you fill up. You'll also earn 20% more Petro-Points when you fill up at a Petro-Canada station.
RBC VIP Banking Account
Get a new Apple Watch. Plus, get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. T&Cs apply. Valid until June 1, 2026.
Monthly fee
$30
Waiver
Through RBC’s Value Program Rebate, pair this account with 2 other eligible RBC accounts and get cashback for some or all of your monthly fees—for example, only pay $19.95/month for this account.
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$0
Highlights
free cross-border debit transactions, free RBC VIP Style personalized cheques and up to 2 additional Canadian dollar accounts and 1 U.S. dollar account
RBC Advantage Banking for Students
Get $100, Give $100 Open a no-monthly-fee RBC Advantage Banking Account for Students to receive $100, and RBC will donate another $100 to approved charities. Valid until February 2, 2026.
Monthly fee
$0
Interest rate
0%
Transactions
unlimited
Interac e-transfers
unlimited
Non-network ATM in Canada
$0
RBC Leo’s Young Savers Account
Get $25 when you open an RBC Leo’s Young Savers Account for your child. Valid until March 2, 2026.
Interest rate
0.01%
Minimum balance
$0
Monthly fee
$0
Transactions
unlimited
Highlights
Get $25 when you open an RBC Leo’s Young Savers Account for your child. Valid until March 2, 2026.
Get the new Apple Watch Plus when you open your first RBC Signature No Limit Banking Account, plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. Apply by June 1, 2026. New subscribers only. After 3 months, subscription automatically renews until cancelled. How to get your new Apple Watch: 1. Open an eligible RBC bank account by June 1, 2026. 2. Set up and complete two of the following by August 10, 2026: Your payroll or pension as a direct deposit, Two pre-authorized monthly payments, Two eligible bill payments to a service provider. Terms and conditions apply.Get a new Apple Watch. Plus, get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. T&Cs apply. Valid until June 1, 2026.
RBC newcomer offers available now
If you’re a newcomer to Canada, RBC offers services and promotions to help you get started on your new Canadian financial journey.
Eligibility: Newcomers to Canada and international students who arrived within the last five years for non-credit card accounts (12 months for credit cards). Free transactions: Unlimited E-transfer fee: $0 Monthly account fee: No monthly fees for one year (on some accounts). Monthly fee of $11.95 after the first year on Advantage Banking Account. Bonus offer or perks: Get no-fee international money transfers and competitive exchange rates, credit card cashback bonuses, a free Safety Deposit Box for one year and no RBC fee on out-of-network ATMs in Canada. Credit card (yes/no): Yes.
This RBC promo comes with unlimited transactions
Up to $15,000 credit limit on a credit card
Service available in up to 200 languages
Monthly fee applies one year after you sign up for this RBC deal
Limits on the amount of free international transfers you can send per month
Is it worth switching banks for a RBC new account offer or promotion?
That depends on your current finances and financial goals. Being one of Canada’s Big Five banks, RBC has a lot to offer in terms of features and financial products.
Whether you’re looking for a chequing account, long-term savings accounts, credit cards, investment options, personal financing, a car loan or a mortgage, RBC offers it all. You’ll almost always find RBC promotions on offer for various accounts. RBC has 17 million clients worldwide and is the biggest bank in Canada by market share, and second largest by assets, as of 2020.
That said, consider the fees and features of any bank account before signing up to ensure you’re getting the right value for your money. For example, if you’re looking for a simple, no-fuss chequing account, instead of opting for one of RBC’s offers, you may be better off signing up for a chequing account from one of Canada’s digital banks – like Simplii or Tangerine – which tend to offer no-fee accounts with unlimited monthly transactions.
RBC promotions vs. other Canadian bank offers on now
Although the RBC iPad offer is unique to RBC, other Canadian banks and credit unions are offering competitive promotions right now. Here are some other options you can use to compare with RBC offers:
Scotiabank Preferred Package
Earn up to $700 when you bundle a Preferred Package, savings account, and registered account. Valid until March 2, 2026. Plus, earn up to 4.70% interest for 3 months on your MomentumPLUS Savings Account.
The monthly account fee will be waived if you have at least $4,000 in your account at all times.
Interest rate
0%
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$2
Highlights
Unlimited debit transactions & Interac e-Transfer transactions One free non-Scotiabank ABM withdrawal per month in Canada First year annual fee waiver (up to $139) on select credit cards Pay just $1.99 for each Scotia International Money Transfer Preferred rates on select GICs Earn Scene+ points and redeem for various rewards
Scotiabank Ultimate Package
Earn up to $700 when you bundle an Ultimate Package, savings account, and registered account. Valid until March 2, 2026. Plus, earn up to 4.75% interest for 3 months on your MomentumPLUS Savings Account.
Monthly account fee waived if you have at least $6,000 in your account at all times or a combined balance of $30,000 across your Ultimate Package and a MomentumPLUS Savings Account.
Interest rate
0%
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$0
Highlights
Unlimited debit transactions & Interac e-Transfer transactions Unlimited free Global non-Scotiabank ABM withdrawals (terms apply) Up to $139 annual fee waiver each year on select credit cards No monthly Overdraft Protection fee Special rates on select GICs Earn Scene+ points and redeem for rewards 10 free equity trades at Scotia iTRADE in your first year (approximately $100 value), and 5 free equity trades every year after Free personalized cheques and drafts $60 annual fee waiver (equivalent to a small safety deposit box)
Scotiabank MomentumPLUS Savings Account
Earn a savings rate of up to 4.75% for 3 months when you open a Scotiabank MomentumPLUS Savings Account and a Scotiabank Ultimate Chequing Account.
Sign up for the Scotiabank MomentumPLUS Savings Account and you may be eligible to earn three different types of interest totaling . The first is a base rate of 0.40% that you'll earn on your entire balance, plus a package interest rate boost of 0.10% for Ultimate Package holders and a 0.05% rate for Preferred Package holders.
The second is a premium interest rate of 0.45%, which is earned when you choose 360-day premium period (or earn lower rates with 90, 180 and 270 periods). A longer premium period earns a higher premium period interest rate, provided you don't make any withdrawals within the selected period. Premium period interest is calculated daily and paid at the end of the applicable premium period.
The third is a welcome bonus interest rate of 4.05% for 3 months, calculated daily and paid monthly for 90 days (3 months) on your first MomentumPLUS Savings Account.
Simplii No Fee Chequing Account
Earn $300 when you become a new client and set up a direct deposit of at least $100 for 3 months. Offer ends January 31, 2026.
Earn $125 when you refer a friend to Simplii and they set up an account (they'll earn $50, provided you both meet certain eligibility criteria).
Coast Capital Free Chequing, Free Debit, and More Account
New members can get up to $550 when you open a Coast Capital Free Chequing, Free Debit, and More Account, an eligible credit card and a HISA Account. T&Cs apply. Offer ends March 31, 2026.
You'll pay a reduced monthly fee of $8.50 if you maintain a minimum balance of $4,000 at all times, or if you’re either 25 or younger or 59 or older.
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$2.50
Coast Capital Unlimited Chequing Account
New members can get up to $850 when you open a Coast Capital Unlimited Chequing Account, an eligible credit card and a HISA Account. T&Cs apply. Offer ends March 31, 2026.
The monthly account fee is waived if you maintain a minimum daily balance of at least $4,000.
Interest rate
0%
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$2
Highlights
monthly fee is waived for members of the Canadian Defence Community
BMO Premium Plan Chequing Account
Get up to $700 in bonuses. Get a $700 welcome bonus, plus a Walmart Delivery Pass subscription for up to 12 months when you open a Premium Plan Chequing Account and Savings Amplifier Account.* Valid until March 2, 2026. Plus, earn a 4.60% promo rate with a new Savings Amplifier Account. *Terms apply.
Monthly account fee waived if you keep a balance of at least $6,000 in your account each month.
Interest rate
0%
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$0
Highlights
free overdraft protection
CIBC Smart Account
Get a $500 cash bonus when you open a CIBC Smart Account as your first chequing account and complete the qualifying actions within 2 months.
Monthly fee
$16.95
Waiver
The monthly fee is waived if you have a minimum of $4,000 in your CIBC chequing account. You also won't have to pay a monthly fee if you opt for Tier 2 where, if you hold $40,000 to $99,999 in combined average monthly CIBC eligible balances, you'll be eligible for rebates on select ATM fees. If you opt for Tier 3 by holding $100,000 or more in combined eligible CIBC balances, you will also get credit card fee rebates and free overdraft protection.
Transactions
unlimited
Interac e-transfers
Free
Non-network ATM in Canada
$2
Highlights
Unlimited transactions cost $16.95 or $0, depending on the Tier option you opt for.
Innovation Federal Credit Union No-Fee Chequing Account
Apply to win a $2,500 winter getaway. Open a No-Fee Bank Account and you'll be entered to win. Valid until March 31, 2026.
Monthly fee
$0
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
N/A
Highlights
Unlimited transactions
TD Unlimited Chequing Account
Get up to $750 when you open a TD Unlimited Chequing Account. Terms and conditions apply. Offer ends March 3, 2026.
Monthly fee
$17.95
Waiver
maintain a $4,000 minimum balance to receive a monthly fee rebate.
Transactions
unlimited
Interac e-transfers
$0
Non-network ATM in Canada
$0
Highlights
Earn up to $750 when you open a new chequing account and set up direct deposit.
Tangerine No-Fee Daily Chequing Account
Earn up to $250. Open a No-Fee Daily Chequing Account and switch your payroll deposits to your new Tangerine Chequing Account for 2 consecutive months to receive $250. Valid until January 31, 2026.
Open a Tangerine Savings Account to earn 4.50% for the first 5 months (on up to $1,000,000 in deposits) when you sign up by March 16, 2026. Thereafter, you'll earn 0.30%.
Frequently asked questions about RBC promotions and offers
During the 2025 RBC Apple Watch offer, RBC gave away a new Apple Watch Series 10 GPS for free to eligible new customers.
During the 2024 free iPad offer, RBC was giving away a 10th Generation Apple iPad (10.9-inch, 64GB, Wi-Fi). Customers could choose between one of four different colours for your free iPad: silver, blue, yellow or pink.
You can find the RBC offers available to you by logging in to RBC Online Banking on a web browser and clicking the "Offers for You" link in the top menu. If you're on the RBC Mobile app, log in and navigate to the bottom of the Account Summary page to see your offers.
The RBC offer terms and conditions may change depending on the promotion, but you'll typically need to fulfill a few basic requirements to get your bonus offer from RBC:
Open an eligible RBC account
Deposit money into that account
Set up your account for one or more recurring activities (e.g. direct deposits, bill payments or Visa Debits)
Once you've completed the requirements of the RBC deal before the set deadlines, RBC will give you the bonus offer or fulfill its end of the promotion.
RBC offers a full suite of banking products including chequing accounts, savings accounts, credit cards, mortgages, car loans, personal loans, lines of credit, student loans, investment management and more. RBC also frequently offers promotions for new customers when they sign up for an account. Compare all RBC promotions currently on offer here.
Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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