Royal Bank of Canada cvv la banque royale du canada The bank has 16 million clients, primarily in Canada and the U. S. but it also has a presence in more than 30 countries around the world. RBC reported first quarter earnings results for full-year. Explore the personal banking services and products available from RBC Royal Bank to help you manage your finances, buy a home, invest and more. COVID-19 How we’re helping clients. RBC Client Relief Program

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RBC Bearings has a quest to improve bearing performance on neckers, while reducing machine maintenance and downtime. Can Tech reports Moving to lubed-for-life bearings enabled plants to remove those messy and unreliable lubrication lines while extending the life of bearings and master cams. Light weighting the system allowed for faster production. Through our long history of serving healthcare professionals and our team of over 500 healthcare advisors, we understand your personal and professional journey. Our tailored service and innovative solutions are designed to support your unique reality needs as a healthcare professional. Medical school is a big deal — as is your personal and financial commitment to it. Our RBC Healthcare Advantage plans come stacked with premium products and exclusive VIP offers to help you through it all. Focus on your schooling, knowing we have the financial side of things covered. Life is in flux and your financial needs are evolving. Our Healthcare Plans are designed to help you prepare for a successful future. Plus, they come packed with exciting features that can simplify your busy lifestyle. From budgeting to managing debt to planning your financial future, our team of RBC Healthcare Specialists are available to make it all easier — so you can keep your sights set on graduation. As a member, you get exclusive access to perks and rewards. Plus, our over 500 RBC Healthcare Specialists are available to support all your financial needs. As a member of this plan, you get access to benefits hand-picked for healthcare professionals. Plus, our RBC Healthcare Specialists are available to provide you with the financial advice and tools you need to seize opportunities, advance your practice and accelerate growth. A $30 monthly fee for the RBC VIP Banking account will be waived for the duration you are a Plan member. The $30 monthly fee will be automatically charged based on your next monthly cycle if you are no longer a Plan member. This offer shall not be combined with any other personal banking account offer or promotion. 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 fee waiver per client, no matter how many RBC VIP Banking accounts are opened, whether in sole or joint ownership. If you have questions, please speak to your branch. ATM operator surcharge (also called a convenience fee) may be charged by non-RBC Royal Bank ATM operators. To benefit from the fee waiver, all your eligible accounts with us must remain in good standing and you must have an active RBC VIP Banking account and an Eligible Credit Card that is active and in good standing at all times for the duration that you are a member of the Plan. The convenience fee is not a Royal Bank of Canada fee and is added directly to the amount of your cash withdrawal. 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. All clients who use non-RBC Royal Bank ATMs may be charged a convenience fee regardless of the type of account they hold. Each account cash withdrawal at non-RBC Royal Bank ATM outside Canada displaying the PLUS System logo and any fees that may be imposed by any third party for using the ATM are converted to Canadian dollars at an exchange rate which 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. e-Transfer transactions are available with all Canadian dollar personal banking (chequing) accounts and are not counted toward the free monthly total in accounts with a limited number of free debits. In all Canadian dollar savings accounts, Prime–0.25% offer is available to Plan members. Interest rate is compounded monthly, not in advance. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The Royal Credit Line rate quoted is subject to change based on changes to the Royal Bank Prime Rate. The discounted rate is subject to change at any time without notice. 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. Interest rate will change as our prime rate changes and without notice. 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. RBC Homeline Plan rate is an annual rate and is based on our Prime Rate - 0.250%. This offer is only available to clients approved for a line of credit under the RBC Homeline Plan and does not apply to any other credit line product offered by Royal Bank of Canada including but not limited to a credit line secured by real property that is not part of a RBC Homeline Plan. To benefit from the Prime Rate – 0.250%, your mortgage must remain in good standing. As a promotional offer, for Plan members, RBC Invest Ease will not charge you its regular management fee for 24 months from the day a new account is opened (“Promotional Period”). You understand and agree that after the Promotional Period, RBC Invest Ease will charge you a 0.5% annual management fee on your account’s investment balance plus applicable sales taxes. RBC Invest Ease will send you a reminder email 60 days prior to charging your account. provides online discretionary investment management services. Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC Invest Ease Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC Invest Ease. In addition, the RBC i Shares ETFs in which RBC Invest Ease Inc. The up to 45,000 RBC Reward points offer (“45,000 Points Offer”) are available for new RBC clients that become a member of the RBC Healthcare Advantage Plan, and the up to 85,000 RBC Rewards points offer (“85,000 Points Offer”) are available for new RBC clients that become a member of the RBC Healthcare Advantage Pro Plan (together with the RBC Healthcare Advantage Plan, or each individually, referred to as the “Plan”), and in each case will only be fulfilled through the eligible Avion credit card product holdings you acquire when you first join. clients invest are managed by Black Rock Asset Management Canada Limited. and Black Rock Asset Management Canada Limited have entered into a strategic alliance to bring together their respective ETF products under the RBC i Shares ETF brand, and to offer a unified distribution support and service model for RBC i Shares ETFs. The RBC Rewards points offers are comprised of Welcome Points and Bonus Points. To receive Welcome Points and to be eligible to receive Bonus Points for satisfying the program criteria, your application must be received and approved by us within the time period set forth herein. You may be a primary account holder or co-applicant and after enrolment you will receive on your first monthly statement the following “Welcome Points”: i) 15,000 RBC Rewards points if you have an RBC Avion Visa Platinum credit card or a RBC Avion Visa Infinite credit card, ii) 25,000 RBC Rewards points if you have an RBC Avion Visa Infinite Privilege credit card, or iii) 25,000 RBC Rewards points if you have an RBC Avion Visa Business credit card. The remainder of the 45,000 Points Offer or the 85,000 Points Offer, as applicable, will be awarded after you have fulfilled the additional criteria detailed below. Bonus Points Criteria: The following criteria must be met to qualify for additional RBC Reward points (“Bonus Points”) for the 45,000 Points Offer or the 85,000 Points Offer, as applicable in accordance with your Plan: You must open an eligible Avion credit card and complete the following activities within 3 months of joining the Plan; 1) you must complete one of the following 3 Personal Deposit Account activities (set up recurring payroll, set up 1 pre-authorized payment or set up one bill payment), and 2) you must activate your eligible Avion credit card, and 3) you must log into the RBC Mobile app. You must not have held the minimum product holdings required for the RBC Healthcare Advantage Pro Plan within the past 12 months to receive the Bonus Points. This offer cannot be combined with any other banking offer. The Bonus Points will appear on your RBC Rewards credit card account statement within eight weeks from when all criteria have been met. For general redemption terms, conditions and restrictions that apply to the RBC Rewards program, please visit: /terms-and-conditions or call 1-800 ROYALTo 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 get a holiday destination flight from Western Canada/U. to Mexico, Hawaii, Alaska Eastern Canada to Bermuda, Central America, Caribbean, you will need a total of 45,000 RBC Rewards points, for a maximum ticket price of $900. Additional cardholder(s) are not eligible for this offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit com/travelredemption. For complete terms and conditions that apply to the RBC Rewards program, please visit: call To get a flight from a major gateway in Canada/U. to destinations in Europe, you will need a total of 65,000 RBC Rewards points, for a maximum ticket price of $1,300. 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. Additional cardholder(s) are not eligible for this offer. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For Air Travel Reward redemption details, visit com/travelredemption. For complete terms and conditions that apply to the RBC Rewards program, please visit: call RBC Rewards points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and certain bill payments), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged A linked RBC Card means an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”) that is linked to a Petro-Points card. You must be enrolled in RBC Online Banking or RBC Mobile app in order to link your 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. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. In order to take advantage of this offer to receive 60% off your first two dinner box orders and 5% off subsequent dinner box orders, you must be a new member of Miss Fresh. All existing members are eligible for the subsequent 5% discount. The New Member Discount or Existing Member Discount will be applied as applicable at checkout before taxes. Discount applies to all dinner box orders within the first two transactions. This offer may not be combined or used in conjunction with any other offer, and cannot be applied retroactively to previous transactions. Promotion is limited to one per household, and only applies to Canada. Miss Fresh, not Royal Bank of Canada (“RBC”), is responsible for the sales, returns and shipping terms and conditions applicable to your Qualifying Purchase, available at: https:// & https:// RBC and Miss Fresh reserve the right to cancel, modify or withdraw this offer at any time For more details on the RBC Offers program visit com. For complete details on Miss Fresh dinner boxes, please visit: https:// & https:// Monthly fee for the RBC Digital Choice Banking account will be rebated for the duration client is a member of the Plan. The fee rebate will be posted to your account within 10 business days following the posting of the fee to your account. This offer shall not be combined with any other business banking account offer or promotion. The monthly fee for the RBC Digital Choice Banking account is $5 and will be applied after once a client in no longer a Plan member. Only one fee rebate per client, no matter how many RBC Business Banking accounts are opened, whether in sole or joint ownership. To benefit from the fee rebate, all your accounts with us must remain in good standing during the fee rebate period, and you must be a Healthcare Advantage Plan member. This offer may be withdrawn at any time and is subject to change without notice. We reserve the right, in our sole discretion, to revoke this offer to any person we believe to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer. To be exempt from the annual fee for one year, you must be a Plan member and your application form must be received by December 31, 2020 and approved by us. The annual fee rebate for one year is only offered to the first Primary Business Cardholder on the account; additional Primary Business Cardholder(s) and Secondary Business Cardholder(s) are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Prime-0.25% offer is only available to Healthcare Advantage Pro plan members. Prime Rate means the variable annual interest rate announced by Royal Bank of Canada from time to time as a reference rate for determining interest rates on Canadian dollar commercial loans in Canada. The rate applying to an RBC Business Term Loan or Royal Business Operating Line will change based on changes to the Prime Rate. The RBC Business Term Loan and Royal Business Operating Line of Credit is provided by Royal Bank of Canada and is subject to its standard lending criteria. The offer may be changed, withdrawn or extended at any time, without notice. Not available in combination with any other rate discounts, offers or promotions.) for every one dollar ($1.00) in purchases, including taxes, when you make a transaction at any of the National Medical Colleges, Provincial Medical Colleges and Provincial Medical Associations in Canada listed below ( College of Physicians and Surgeons of British Columbia, College of Physicians and Surgeons of Alberta, College of Physicians and Surgeons of Saskatchewan, College of Physicians and Surgeons of Manitoba College of Physicians and Surgeons of Ontario, Collège des médecins du Québec, College of Physicians and Surgeons of New Brunswick, College of Physicians and Surgeons of Nova Scotia, College of Physicians and Surgeons of Prince Edward Island, College of Physicians and Surgeons of Newfoundland & Labrador, Yukon Medical Council, Health and Social Services-NWT, Department of Health and Social Services- Nunavut. Ontario Medical Association, British Columbia Medical Association, Alberta Medical Association, Québec Medical Association, Doctors of Nova Scotia, Doctors of Manitoba, Newfoundland Medical Association, Saskatchewan Medical Association, New Brunswick Medical Society, Medical Society of Prince Edward Island, North West Territories Medical Association, Yukon Medical Association. Please allow up to 90 days from the date of your Qualifying Transaction, provided your credit card account remains open and is in good standing at that time, for the Bonus Points to appear on your Eligible RBC Credit Card account statement. Qualifying Transactions exclude transactions made at the Canadian Medical Association and at medical colleges, associations or organizations located outside Canada. This offer may be combined or used in conjunction with any other offer(s), but cannot be applied retroactively to previous transactions made at these Eligible College/Association. Cancellations or price adjustments will cancel or reduce the RBC Rewards points earned on your Qualifying Transaction, including Bonus Points. The Eligible College/Association, not Royal Bank of Canada (), is responsible for the terms and conditions applicable to your Qualifying Transaction, including cancelation and refund policies. RBC reserves the right to cancel, modify or withdraw this offer at any time. For more details on this offer and the Healthcare Program, call the RBC Healthcare Team at 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:// balance due upon termination, or account transfer. Applicable taxes are calculated based on the total no term price less any device discounts and must be paid in full at the time of purchase. Pay-per-use charges (including long distance, roaming and additional airtime or data) are extra. Offer only available on a Business Personal or Business Regular account. Offer available at a TELUS store, authorized dealer, or the dedicated inbound queue. Not available at retail locations, such as Best Buy or London Drugs. Offer cannot be combined with other code-based offers. Must be a business that has less than 50 telecommunication lines and present an HST/GST number (QST number in Quebec), registration number, incorporation number, and/or other proof of business upon activation. TELUS reserves the right to withdraw or modify this offer at any time Eligible fees and costs, up to $5000 include: transfer out fees, account closure fees, administration costs, trading costs (fees to sell equity, fixed income or other securities excluding mutual funds). Costs not covered include Deferred Sales Charges (DSC), tax liability of liquidating assets, mutual fund sell, short term trading costs or any other fees or commissions that may be incurred on the redemption of existing mutual funds. Rbc fr rbc placement Quels que soient vos besoins, RBC Banque Royale a une vaste gamme de produits, services et outils bancaires aux particuliers à vous offrir pour vous aider à gérer vos finances, à épargner pour la retraite, à acheter une maison et bien plus encore. Whatever you need, RBC Royal Bank has a wide range of personal banking products, services and tools to help you manage your finances, save for retirement, buy a home and much more. En cette période d’épidémie de COVID-19, nous prenons des précautions additionnelles pour assurer la sécurité de nos clients et de nos employés. Nous savons aussi que nos clients ont plus que jamais besoin de nos conseils et de notre soutien. Affichez les renseignements sur votre compte et l’historique de vos opérations des sept dernières années. Vous pouvez aussi établir et recevoir des Alertes RBC au sujet de vos opérations bancaires et des Offres RBC disponibles. Virez des fonds à votre compte d’épargne, payez vos factures de carte de crédit, remboursez votre prêt ou marge de crédit ou faites un versement hypothécaire en deux temps, trois mouvements à toute personne qui a une adresse électronique ou un numéro de téléphone cellulaire ou un numéro de client RBC. Ou utilisez le service Envois Internationaux de fonds pour envoyer de l’argent presque partout dans le monde, y compris aux États-Unis, pour seulement 13,50 $ par opération Accédez aisément à vos cartes de crédit et marges de crédit RBC Banque Royale. Vérifiez votre solde et le crédit non utilisé, faites des paiements, demandez une nouvelle marge de crédit ou une augmentation de votre limite. Soyez au courant des détails concernant votre hypothèque et vos prêts, notamment le solde impayé, le taux d’intérêt, les détails relatifs aux versements. Vous pouvez aussi reporter un versement ou faire un double versement ou des versements forfaitaires sur votre hypothèque. Faites le suivi de vos placements RBC Banque Royale et de vos comptes RBC Placements en Direct et RBC Dominion valeurs mobilières au même endroit, en toute commodité. Cotisez à votre REER, renouvelez vos CPG, achetez des fonds communs de placement RBC et obtenez des conseils de placement personnalisés avec Mon Conseiller. Achetez des devises en tout temps dans RBC Banque en direct et prenez-en livraison à l’une des quelque 1 200 succursales RBC au Canada. Vous avez une question sur vos comptes ou une récente opération ? Envoyez-nous un message à partir du Centre des messages sécurisés, et nous vous répondrons dans les 24 heures. C’est une façon sûre et pratique de communiquer avec un représentant de RBC. Assurez vos prêts, hypothèques ou cartes de crédit RBC ou obtenez une assurance voyage pour votre prochain voyage. Sauvez un arbre et réduisez la paperasse du même coup. Vous pouvez afficher, imprimer ou enregistrer vos relevés électroniques sur votre ordinateur et accéder à vos relevés archivés des sept dernières années. Lorsque vous faites des opérations bancaires en ligne, ou avec votre téléphone mobile, vous pouvez facilement vérifier vos soldes, consulter vos opérations ou relevés, payer des factures et transférer des fonds en tout temps, à l’endroit et au moment qui vous conviennent. De plus, lorsque vous utilisez RBC Banque en direct, vous avez également accès à ma Gestion Financière, un outil de gestion financière en ligne qui classe automatiquement vos dépenses, vous pouvez ainsi suivre vos dépenses, établir vos objectifs d’épargne et créer un budget en quelques minutes. Et comme RBC Banque en direct est un moyen sûr de faire vos opérations bancaires, vous savez que votre argent est protégé en tout temps. En tant que particulier, vous aurez besoin de votre carte-client ou de votre carte de crédit RBC Banque Royale pour vous inscrire. Si vous avez un prêt-auto, une hypothèque, une marge de crédit, une Marge Proprio RBC, un prêt ou un placement, vous aurez besoin de votre numéro de compte et de votre numéro d’unité. Si vous souhaitez inscrire un compte d’entreprise à Banque en direct, vous aurez besoin de votre carte-client d’entreprise de RBC Banque Royale. Vous pouvez payer des factures dans Banque en direct. Mais pour pouvoir payer des factures, vous devez d’abord établir une liste de bénéficiaires. Il vous suffit d’ouvrir une session dans Banque en direct et de sélectionner l’option « Gérer les bénéficiaires » à la page « Sommaire des comptes ». Vous pouvez alors choisir « Ajouter un bénéficiaire » dans le menu de gauche et suivre les instructions. Pour effectuer un paiement en ligne : Que vous soyez à la maison ou ailleurs, vous pouvez faire le nécessaire pour que des paiements et des virements soient effectués à une fréquence déterminée à l’avance ou à des dates précises. Indiquez simplement le montant et la fréquence du virement (par exemple une fois par semaine, toutes les deux semaines ou une fois par mois). RBC Placements en Direct Inc.*, RBC Dominion valeurs mobilières Inc. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. ne fournit pas de conseils en placement ou de recommandations concernant l’achat ou la vente de valeurs mobilières. Les investisseurs sont responsables de leurs décisions de placement. RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc. *Membre-Fonds canadien de protection des épargnants. Pour connaître la définition d’une opération non autorisée et tous les détails sur les protections et les limites de la Garantie de sécurité des Services bancaires numériques RBC, veuillez lire la Convention d’accès électronique à l’intention des clients des Services bancaires aux particuliers, la Convention relative à l’utilisation de la Carte-client et la Convention cadre pour entreprise cliente. Cette garantie est fournie par la Banque Royale du Canada pour ses services bancaires en ligne et mobiles. Les titulaires de carte ne sont pas responsables des pertes découlant de circonstances hors de leur contrôle, pourvu qu’ils aient pris des précautions raisonnables pour protéger leur carte-client et leur NIP (le cas échéant), comme il est indiqué dans la convention relative à l’utilisation de la carte-client. Anciennement Garantie de sécurité RBC Banque en direct. Veuillez noter que chaque paiement à un tiers à partir de votre compte de carte de crédit RBC Banque Royale est considéré comme une avance de fonds (jusqu’à votre limite de crédit et votre limite quotidienne) et est assujetti au taux d’intérêt annuel standard en vigueur sur votre compte de carte de crédit, à partir du moment où l’avance de fonds est comptabilisée et jusqu’à ce que le solde soit réglé dans son intégralité. Des frais d’avance de fonds de 3,50 $ par opération s’appliquent et seront facturés à votre compte de carte de crédit. Si le paiement est fait à partir d’une Marge de Crédit Royale, les frais d’intérêt habituels s’appliqueront. Consultez votre Convention de Marge de Crédit Royale pour les détails. Des limites maximales pour les opérations peuvent s’appliquer et elles sont sujettes à modification. L’accès aux fonds dépend du moment où ils sont envoyés de RBC Banque Royale ou de RBC Bank. Les opérations peuvent ne pas figurer à votre relevé des opérations RBC Bank (USA) avant le jour suivant, mais la date réelle des virements sera indiquée. Les opérations Virement Interac sont gratuites avec tous les comptes de chèques de particulier. Des frais de Virement Interac de 1 $ ou de 1,50 $ peuvent s’appliquer respectivement aux comptes d’épargne de particulier RBC et aux comptes de dépôt d’entreprise RBC. Service non offert pour les comptes de chèques en dollars américains. Les produits, les services et les titres mentionnés sur ce site Web sont offerts uniquement au Canada et dans les territoires où la loi autorise leur mise en vente. L’information fournie sur ce site Web ne doit pas être considérée comme une offre de vente par RBC Dominion valeurs mobilières de titres particuliers dans tout territoire autre que le Canada. Des frais sur opération de débit excédentaire pourraient s’appliquer, selon le compte de dépôt utilisé pour l’achat. Si vous achetez des devises avec votre carte de crédit, l’opération sera traitée comme étant une avance de fonds. Des frais sur avance de fonds s’appliquent et des intérêts sont imputés à compter de la date de votre achat de devises étrangères. Le taux de change au moment de l’achat est définitif. Selon la succursale choisie pour le ramassage, prévoyez un délai de trois à dix jours ouvrables avant l’arrivée des devises à la banque. Dans la plupart des cas, l’argent arrivera dans un délai de trois jours ouvrables. Des limites maximales pour les opérations peuvent s’appliquer et elles sont sujettes à modification. L’accès aux fonds dépend du moment où ils sont envoyés de RBC Banque Royale ou de RBC Bank. Les opérations peuvent ne pas figurer à votre relevé des opérations RBC Bank (USA) avant le jour suivant, mais la date réelle des virements sera indiquée Les renseignements figurant dans le tableau de bord Credit View sont fournis par Trans Union à titre d’information et ne visent pas à vous prodiguer des conseils financiers. Nous ne consultons ni n’utilisons les renseignements figurant dans le tableau de bord Credit View, et ces renseignements ne peuvent pas être interprétés comme une approbation de crédit. Par conséquent, la Banque Royale du Canada n’est pas responsable de toute décision que vous prenez en fonction des renseignements figurant dans le tableau de bord Credit View. Pour obtenir de l’aide concernant vos besoins financiers et des conseils financiers, veuillez communiquer avec nous. Pour que vous puissiez accéder au tableau de bord Credit View, nous devons communiquer vos nom, adresse et date de naissance à Trans Union chaque fois que vous cliquez sur le lien « Afficher votre pointage de crédit ».


We’re taking added precautions to keep our clients and employees safe during the COVID-19 outbreak. We also recognize that now more than ever, clients turn to us for advice and support. Many Canadians are applying for financial relief through the Canada Emergency Response Benefit (CERB). To access your money faster, we encourage you to sign up for direct deposit from the Canada Revenue Agency. Please note that registering for CRA Direct Deposit does not register you for the CERB. You’ll need to apply for the CERB directly through the CRA website. Find out more about how to set up CRA Direct Deposit in RBC Online Banking or the RBC Mobile app. If you’ve stopped working because of reasons related to COVID-19, you may be be eligible to receive the CERB through the Government of Canada. RBC has created an interactive tool help you see if you may qualify for the CERB. Please note that RBC does not make any determinations with respect to eligibility, amount, or timing of the CERB. Answer a few quick questions to see if you may be eligible. Find out more To help clients with additional financial relief during COVID-19, RBC will be providing personal and business credit card clients already receiving minimum payment deferrals with a credit to their credit card account(s) to reimburse them for 50% of the interest charged to their accounts during the period they are receiving the deferral – the relief period. Personal and business credit card clients already receiving minimum payment deferrals will be reimbursed for 50% of interest charged during the deferral period. The credit(s) will be displayed on the client’s upcoming statement(s). To support seniors, and others who require special attention, we’re providing them with front of the line access at open branches so they can be served first if their transaction requires them to visit a branch. Let’s all do our part to help keep our community and each other safe and healthy. outbreak, we want to ensure you continue to have access to your financial statements without delay from RBC. For Online Banking and Mobile clients, you can view some of your statements electronically, as they are already there for you. Or you can also choose to go paperless by “turning off” your paper, and this way, you’ll have access to all of your electronic statements and will be notified by email as soon as a new document is available. Log into Online Banking to access your e Statements. If you don’t have access to Online Banking yet, enrolling is simple and quick. To access your documents electronically through Online Banking: In times of crisis, it’s important to come together as a community to support one another. RBC wants to provide you the support you need, and that includes immediate and long term relief for clients facing challenging circumstances. The RBC Client Relief Program includes: Hardship Relief To support clients facing additional pressure from illness, lost employment or unique family circumstances, clients are encouraged to book a call with an advisor for additional relief measures including: Longer term relief Up to six months of payment relief may be accessible through the RBC’s Financial Relief Assistance Plan. This option requires the support of one of our advisors; book a call with an advisor through our online booking tool. : Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular mortgage payment date, the current payment will be processed, and your next payment may be skipped. Program Details: There is no fee to skip a payment. When you skip a payment, the interest on the skipped payment is added to your outstanding balance and interest is charged on that amount. Your payments won't change during the term of your mortgage. Instead, at renewal your monthly payment amount increases to account for the higher balance. When you skip a payment you must still pay the portion of your payment that covers your property taxes and Home Protector Insurance Premium, if applicable. For immediate financial relief: Clients can also defer payments of principal and income for a period of up to six months depending on their needs. Note: Using Skip-a-payment may significantly increase your interest costs over the life of your mortgage, so it's important to carefully evaluate your financial situation and priorities before exercising this option. For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. For fixed rate loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest. For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance. To skip one monthly payment on your Personal Loan follow these simple steps: Skip or delay a loan payment function is available through Online Banking 24 hours a day and 7 days a week. Important: In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by PM local processing centre time. If you skip a payment and your Loan is protected with Loan Protector Insurance, your coverage will remain in place and the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. Skipping a payment may result in extending the amortization period of the loan. Note: Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option. Keep in mind, skipping a payment can affect your amortization and payment schedule. Personal clients can also defer payments of principal and income for a period of up to six months depending on their needs (Looking for relief on a Business car loan? For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. Click here.) For Auto loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest. For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance. To skip one monthly payment on your Auto Loan follow these simple steps: : In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by PM local processing centre time. Skipping a payment may result in extending the amortization period of the loan. If you skip a payment and your Loan is protected with Loan Protector Insurance, the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. : Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option. : Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular loan payment date, the current payment will be processed, and your next payment may be skipped. : Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. To enroll in online banking, you need your transit and loan number. You can find this information in your Welcome Letter and/or your Annual Statement. For immediate financial relief: Our call centres are experiencing extremely high call volumes. For clients enrolled in RBC Royal Bank Online Banking immediate access to request financial relief is available, please use our self-serve options found in RBC Royal Bank Online Banking. Detailed instructions are below: You can use this form to request us to temporarily waive the requirement for you to make the minimum payment on your credit cards for one month (deferring your payment), referred to as the relief period. This will provide some short-term financial relief to you during the COVID-19 situation. It is important to understand the impact of deferring your minimum payment. If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period. As well, interest will continue to accrue at your annual interest rates during the relief period. We will add your interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest. To further help you during this difficult time, if you are receiving a minimum payment deferral, you will be provided with a credit to your credit card account to reimburse you for 50% of the interest charged to your account during the period you are receiving the deferral. This credit will be displayed on your upcoming statement. At the end of the relief period, your minimum payment will again become due and you will no longer receive credits to your account for your interest charges. If your credit card account is protected with Balance Protector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to file a claim with the insurer. Please note that choosing to defer a credit card payment will not impact your coverage. Balance Protector insurance premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector insurance premiums. More financial relief is available for these and other products by speaking with one of our advisors. For longer term relief (Up to 6 months): Should you require additional financial relief beyond one month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. As our call centre continues to experience extremely long wait times, we encourage you to use our online booking tool to schedule a time to speak with us by phone. The online-only enrollment process to participate in the Government of Canada’s Canada Emergency Business Account (CEBA) is now live. To enroll for CEBA, log into your RBC Online Banking for Business. The online enrollment process is only available through this platform. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. If you are an RBC Express client, please contact your RBC Account Manager for separate instructions to enroll for CEBA. Click here for detailed CEBA eligibility, pre-enrollment actions and other FAQs. Please note that the CEBA enrollment cannot be fulfilled in our branches, or through our advisors and RBC Advice Centre. provides eligible employers that have experienced an eligible reduction in revenue to receive a subsidy of 75% of employee wages for up to 12 weeks, retroactive from March 15, 2020, to June 6, 2020. For detailed information about the program, eligibility, and how to apply, refer to the Government of Canada’s site. Please ensure that you are registered for CRA Direct Deposit by logging into your RBC Online Banking for Business or RBC Express platform. CRA Direct Deposit is a quick, safe and secure way to receive your CEWS, should you be eligible for this program. The BDC Co-Lending program is designed to support Canadian businesses of all sizes that have been negatively impacted by COVID-19. Eligible applicants can access funding up to $6.25 million CAD (maximum loan amounts dependent on business size) to cover operating expenses (such as rent, payroll and other operating expenses) and working capital needs. The Government of Canada’s Export Development Canada (EDC) BCAP Guarantee aims to help eligible Canadian businesses impacted by COVID-19 with up to $6.25 million CAD in short-term liquidity. This financing solution can help cover expenses which are critical to business continuity such as rent, payroll and other operational costs. RBC is offering a number of relief solutions for business clients affected by COVID-19. We are assessing the needs of businesses on a case-by-case basis to provide relief solutions that are tailored to their circumstances. Relief support may include: Through RBC's partnership with Wello – a leading Canadian virtual healthcare company – we are making it easier for you to provide important COVID-19 screening information, timely access to physicians and nurse practitioners for health advice, and resources to support general health needs, including prescriptions, diagnostic and specialist referrals. Wello can support your employees' physical and mental health needs, wherever they are. If you are an RBC business client, you can access more information about Wello by signing in to RBC Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers or log into the RBC Rewards app. For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the Branch if it is essential to do so, and to please use Online Banking or the RBC Mobile app if at all possible. We remain committed to ensuring that your financial needs are met. While select branches are closed, our advisors and banking solutions remain available to you across a variety of channels. The RBC Mobile App and Online Banking are safe, easy-to-use and available 24/7. Clients can: RBC Rewards / Avion: Our primary focus is the safe return of our clients currently travelling and needing to get home. For this reason, our Travel Rewards Call Centre is prioritizing calls from clients currently away. If you are calling about an upcoming trip, please call at a later date or click here for more information related to RBC Rewards points, changes, cancellation policies and travel insurance. Trip Cancellation / Trip Interruption: You may be eligible to submit a trip cancellation / trip interruption claim for travel booked prior to March 13, 2020 at PM (EST). Please be advised that claims related to Emergency Medical Insurance: Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. If you travel to a destination that the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel”, and you contract , you will not be covered under emergency medical insurance. We are actively working with our community partners, subject matter experts, and the public and private sectors to understand and determine where the greatest community needs are and how to continue delivering the right support where and when it is needed most. This is effective as of the travel advisory issued March 13, 2020 at pm (EST). RBC is committed to supporting COVID-19 community response efforts in Canada, the U. To date, RBC businesses have committed $4.5 million in support of COVID-19 community response efforts: During these uncertain times, RBC recognizes that charities and non-profit organizations are particularly vulnerable. Relying solely on donations, corporate gifts, and government support – streams of revenue which have all been largely disrupted by the stresses of COVID-19 – these organizations are not only facing uncertainty, but could be confronting irreversible damage to non-profit sector. RBC Foundation is supporting our community partners in the following ways: Hiring Summer Students Youth have been disproportionately impacted by the economic fall-out of COVID-19. Many rely on summer jobs to help pay for their schooling. RBC will welcome close to 1,400 summer students this year and provide them with a meaningful work experience. RBC Future Launch RBC Future Launch is a critical focus for us. This ten-year, $500 million commitment is helping empower Canadian youth for the jobs of tomorrow. We are working with our community partners to adapt programs and learning opportunities, so that we can continue to support youth in Canada in remote and virtual environments. , including illness, loss of income, caring for a sick relative. Qualifying products include mortgages, personal loans, car loans, and credit cards. For more information, book an appointment with an advisor . For immediate relief, use the self-serve options available in online banking to get you through one month and then book an appointment with an advisor for further financial support. To help clients with immediate relief, many of these programs are available online and by self-serve to allow you to skip one or two monthly payments on most credit products including mortgages, credit cards and loans. We are committed to providing longer term support as well, and encourage you to speak with an advisor and book an appointment online. For mortgages, clients can defer one month in self-serve, or up to 6 months payments including both principal and interest. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance. Clients still need to pay their property taxes, creditor insurance and property insurance. Note that this same program is also available to individual landlords who have investor mortgages for rental properties. If you hold multiple mortgages on different properties there is no limit to the number of retail mortgages you can apply the deferral to. At this point we intend to continue to make the program available until June 30th, meaning that a client would have until that date to elect to begin deferring payments. We will continue to review this date and may extend it depending on how circumstances evolve with the crisis. You could elect, for example, to skip one or two monthly payments online now and then call in to defer future payments. Or if you don’t need immediate relief, you can wait and take advantage of the program later if your circumstances change. You can quickly and easily request us to temporarily waive the requirement that you pay your minimum payment on your credit card for one month, by using our new online webform. The webform is available through RBC Royal Bank Online Banking. Once you complete the webform request to defer the minimum payment on one of your credit cards, you will see a link to request a deferral on other credit cards as well. Should you require additional financial relief, beyond the first month, please contact an advisor for additional deferrals up to a maximum of six months. You will be notified in your Message Centre within RBC Online Banking within 5-10 business days whether your request has been approved. outbreak has caused an increased demand for financial relief. As a result, our staff and our systems are working as quickly as possible. We will notify you within 5–10 business days to let you know if your request was approved. Please check your Message Centre in RBC Royal Bank Online Banking for updates. Interest will continue to accrue at your annual interest rates during the relief period. We will add interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest. If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period. To further help you during this difficult time, you will be provided with a credit(s) to your account to reimburse you for 50% of the interest charged to your account during the relief period. These credits will be displayed on your upcoming statement(s). After the relief period you will no longer receive credits to your account for your interest charges. Choosing to defer a credit card payment will not impact your coverage. If your credit card account is protected with Balance Protector insurance you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to submit a claim with the insurer. Please note that Balance Protector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector premiums. For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the Branch if it is essential to do so, and to please use Online Banking or the RBC Mobile app if at all possible. Our priority is the safety and wellbeing of our employees and our clients. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to improve as we need to. In the event of a branch closure, a notice will be posted on the branch door. To find the next closest location, simply visit maps. Our Branch locator will also have updated information on whether your branch is open or closed. For immediate financial needs or access to your safe deposit box, please use our online appointment booking tool to schedule a call with your advisor. We will continue to offer our perspectives to help you navigate through these uncertain times Book an appointment online to speak with one of our advisors, to discuss your immediate needs. We’ll do our best to help you to feel more at ease. Foreign exchange requests are not currently available for ordering online. For urgent foreign exchange requests, please go to your local branch. Please note, RBC has announced plans to temporarily close select branches nationally, due to , we’re hearing from a number of clients who need help to stop payments. We want to remind you that you can use RBC Online Banking to manage stopping pre-authorized bill payments or cheques that are coming out of your bank account. Please visit com/stoppayment for step-by-step instructions on how to stop a payment in RBC Online Banking. In addition, to help our clients through this time, we are temporarily waiving fees for stop payments effective April 3, 2020 - September 30, 2020. Note, when you submit a stop payment request, it only stops the next payment to a payee, and a request must be submitted for each individual payment you wish to stop (for example, if you have a series of payments set up). If you choose to stop a payment, please also remember that you must first ensure that the cheque or debit to be stopped has not already been paid or processed through your bank account, and that you must also ensure the payee is notified of the stop payment. This can be found on your Auto Finance welcome letter and/ or Annual Statement Letter. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. (Stop payments for pre-authorized payments on your RBC credit card must still be handled with the merchant directly.) Enrolling in Online Banking is simple and quick. Get more tips on how to protect yourself from COVID-19 scams and how to protect yourself online. While you continue to practice physical distancing including minimizing trips to the branch, we encourage you to view your balance, transactions and statements within RBC Online Banking or mobile channels. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. Effective April 6, 2020 there will no longer be a fee for these statements at the ATM. The Government of Canada has announced a 25% reduction to the minimum withdrawal amount for Registered Retirement Income Funds (RRIFs) in 2020. Learn more about this change There is no change or exception in your ability to apply for coverage or file an eligible claim. Please refer to your certificate of insurance for details about specific coverages, coverage eligibilities, limitations and exclusions. Please note that epidemics or pandemics, such as COVID-19, are not a limitation or exclusion. If your credit card account is protected with Balance Protector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to submit a claim with the insurer. Job loss is not a coverage available under Home Protector Insurance and Loan Protector Insurance. In Online Banking, you can temporarily change your daily ATM cash withdrawal limit as well as your daily in store purchase limit. You may be able to temporarily change these limits up to three times per calendar year for a maximum duration of 60 calendar days each time. To make temporary changes to your daily limits for ATM withdrawals or in store purchases: Starting April 3, RBC clients can use RBC Online Banking and RBC Mobile to enroll in the Canada Revenue Agency (CRA) Direct Deposit service for CRA payments – including payments to be received by eligible clients who apply for the Canada Emergency Response Benefit (CERB) through the Government of Canada. Starting April 6, eligible clients will be able to apply for CERB through the Government of Canada. Clients who are already registered for CRA Direct Deposit do not need to register again and only need to apply for CERB beginning April 6. For questions and information about CERB, please visit the Government of Canada’s website. We encourage you to use our Online Booking Tool as we’re trying to limit the number of people visiting our open branches and calling into our advice centre. If you do not have digital access (online or mobile), you can phone our advice centre at If you still have the original CERB cheque You can return the cheque by mail to the address below. If you don't have the cheque or were paid by direct deposit You can mail your repayment to the CRA. Be sure to: Mail your payment to Revenue Processing – Repayment of CERB Sudbury Tax Centre 1050 Notre Dame Avenue Sudbury ON P3A 0C3 For more information, please visit the CRA website detailing all specifics relating to Canada Emergency Response Benefit community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund. Rbc fr royal bank rates RBC Placements en Direct Inc.*, RBC Dominion valeurs mobilières Inc. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. RBC Placements en Direct Inc. ne fournit pas de conseils en placement ou de recommandations concernant l’achat ou la vente de valeurs mobilières. Faits Saillants RBC Express. Visite guidée vidéo Ouverture de session dans services Bancaires en ligne RBC Express ID utilisateur. Quels que soient vos besoins, RBC Banque Royale a une vaste gamme de produits, services et outils bancaires aux particuliers à vous offrir pour vous aider à gérer vos finances, à épargner pour la retraite, à acheter une maison et bien plus encore. 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