Banco royal bank of canada banque direct rbc This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN if applicable as set out in the Client Card Agreement. The Royal Bank of Canada RBC ; French Banque royale du Canada is a Canadian multinational financial services company and the largest bank in Canada by market capitalization. The bank serves over 16 million clients and has 85,000 employees worldwide.

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Les renseignements que vous fournissez pourraient être utilisés pour vous suggérer d'autres produits intéressants. Seuls les renseignements nécessaires à votre demande de produit seront soumis avec celle-ci et conservés par RBC Banque Royale. To begin, enter your 16 digit BMO Debit Card or BMO Credit card number and your password on the same page to sign in. BMO Bank of Montreal will never ask you to divulge personal information such as passwords, account numbers or challenge questions and answers by email, telephone or fax. You can also choose to remember your card number for future sign-ins, making signing in even easier. We encourage you to take a moment to learn how to protect your accounts against email fraud, how to report fraudulent emails and read our 100% Electronic Banking Guarantee. We also recommend that you do not allow your browser or other password management services to remember your password, especially on shared and/or public devices. Refer to your browser's Help section for instructions on how to disable this feature. Rbc banque en direct rbc banque en direct Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. † Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. RBC Direct Investing Inc.*, RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. Les clients de RBC Banque Royale peuvent maintenant acheter des CPG non enregistrs, modifier les instructions l'chance et changer les coordonnes de versement des intrts par voie lectronique ! Il suffit d'effectuer quelques tapes simples pour modifier son compte CPG non enregist ou y cotiser par l'intermdiaire de Banque en direct : Pour acheter d'autres CPG en direct ou modifier un CPG non enregistr, vous devez tre inscrit Banque en direct et possder un compte CPG. Si vous tes dj un client de Banque en direct, vous pouvez ouvrir une session ds maintenant. Si vous n'tes pas inscrit Banque en direct, vous pouvez vous inscrire immdiatement. Si vous choisissez l'un des liens ci-dessous, il est possible que votre session d'opérations bancaires en direct prenne fin automatiquement. Pour reprendre votre session, vous devrez de nouveau accéder à Scotia en direct. - La Banque par Internet du site Web de la Banque Scotia sont autorisés à copier ces pages pour leur seule utilisation personnelle mais il ne leur est pas permis de publier ou reproduire des fragments importants de ces pages par quelque moyen que ce soit, notamment en les reproduisant électroniquement par téléchargement ou en y accédant par Internet ou tout autre système informatique local ou international sans avoir préalablement obtenu l'autorisation écrite de la Banque Scotia. Des tiers peuvent obtenir des droits exclusifs sur certaines informations. Une mention de la source doit être indiquée chaque fois que le matériel de la Banque Scotia est copié ou publié. Pour obtenir de plus amples renseignements sur l'utilisation autorisée ou la permission de reproduire ou publier du matériel de la Banque Scotia, adressez-vous à Libre-service bancaire, 44, rue King Ouest, Toronto (Ontario) M5H 1H1. Toute violation des droits de la Banque Scotia sera passible de poursuites. La Banque Scotia décline toute responsabilité quant aux conséquences pouvant découler de la reproduction ou de l'utilisation non autorisée des pages de son site Web. Le contenu des pages du site Web de la Banque Scotia ne constitue pas une offre d'achat ou de vente des parts de fonds communs de placement. Les produits et services de la Banque Scotia susceptibles d'intéresser les résidents du Canada ne sont pas offerts dans toutes les régions du pays. Les produits et services susceptibles d'intéresser les résidents des autres pays ne sont pas tous disponibles dans ces pays. Les produits et services de la Banque Scotia sont disponibles uniquement dans les régions où ils peuvent être légalement vendus. Tous les produits et services de la Banque Scotia sont assujettis aux conditions de leurs contrats respectifs. Celles-ci comprennent l'utilisation d'un cryptage de bout en bout et d'une authentification en ligne. Toutefois, il demeure la faible possibilité d'une violation de la sécurité des données. Dans un tel cas, La Banque de Nouvelle-Écosse, ses filiales et ses sociétés affiliées dégagent leur responsabilité de tous dommages qui en résulteraient et que vous pourriez subir. La Banque de Nouvelle-Écosse, ses filiales et ses sociétés affiliées ne sont pas responsables, de quelque manière que ce soit, de dommages directs, indirects, particuliers ou consécutifs pouvant être causés de quelque manière que ce soit par l'utilisation de ce site Web. La Banque Scotia avise tous les utilisateurs finals que la société IBM Canada Ltée et Entrust Technologies Inc. Les services de la Banque Scotia sont disponibles dans les régions où ils peuvent légalement être offerts. Certains sites qui peuvent occasionnellement être accessibles par des liens hypertextes apparaissant dans le site de la Banque Scotia peuvent avoir été développés par des tiers autres que la Banque Scotia, donc cette dernière ne garantit pas l'exactitude de l'information contenue dans ces sites. Si vous accédez à un logiciel par le biais de liens de ce site, vous devez prendre les précautions nécessaires pour détecter les virus, le cas échéant, et vous assurer de la compatibilité du logiciel avec l'ordinateur que vous utilisez. De plus, vous devez sauvegarder toutes les données entrées dans votre ordinateur avant d'installer tout nouveau logiciel. L'inscription d'un organisme dans ce site ne constitue pas un endossement de ses services ou de ses produits. désignent respectivement des marques déposées et des marques de commerce. Les produits et services qui suivent sont des marques déposées de La Banque de Nouvelle-Écosse au Canada : Banque Scotia; Scotia; «Flying S» et logo; Banque Scotia, «Flying S» et logo; Or Scotia; Compte Optimum; compte Accélération; Ligne de crédit Scotia; Horizon Jeunesse. Tous les autres noms de produits et services sont des marques déposées ou des marques de commerce de leurs propriétaires respectifs. L'affichage de marques de commerce à l'intérieur de ce site ne suppose pas obligatoirement qu'une licence a été accordée à cet égard. Toutes les offres sont assujetties aux exigences appropriées et aux critères habituels en matière de crédit de La Banque de Nouvelle-Écosse et/ou de ses filiales. Les bonifications d'intérêt ne peuvent être utilisées de pair avec d'autres primes offertes par La Banque de Nouvelle-Écosse et/ou ses filliales. 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. Nous accordons la plus grande importance à la confidentialité et à la protection de vos renseignements personnels et bancaires. Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. Rbc banque en direct rbc banque royale com en direct 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. Explore the personal banking services and products available from RBC Royal Bank to help you manage your finances, buy a home, invest and more. Daily Updates Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. † Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. 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://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://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://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. As an added benefit, RBC Royal Bank clients enjoy the convenience of a single sign-on, consolidated view and real-time transfers between your RBC Online Banking accounts and RBC Direct Investing accounts. Be ready to make your next move by keeping up with the latest information. From screeners and analysis to help you narrow the search for investment opportunities to economic insights that help you understand the potential impact of current events, you'll find the details you need to keep up to date. Learn More Experience what it's like to trade in the stock market without risking your own money. A Practice Accounts give you a real online trading experience, with access to many of the tools and features available in real accounts – right in our actual online investing site. You can do things like practice buying and selling different types of investments including stocks, ETFs and options, and track your holdings. Learn More Our online magazine, Inspired Investor, brings you personal stories, timely information and expert insights to empower your investment decisions. It's also home to the Investing Academy, where you'll find a series of investing guides on topics like investing in stocks, options, naming beneficiaries and more. You'll be guided through the application process, which you can complete online for RRSP, RRIF, TFSA or Investment accounts or download an application form for RESP and non-personal accounts. Visit rbc.com/inspiredinvestor to see what's new, and sign up for our newsletter. You'll receive an email when your account is opened. If you don't have an account with us yet, you can easily start the transfer process when you open your account online. If you're an existing client, use our secure online transfer form, to transfer your account from another institution. You can also download the form and visit us in person, or call us at Choose from Canadian and U. stocks; common and preferred shares; new issues; options; rights and warrants; equity, fixed income and money market mutual funds; exchange-traded funds (ETFs); and fixed-income investments such as T-bills, bonds and GICs. View all investment choices A typical stock quote provides a snapshot of a company's price, trading volume and other information that can help you understand its performance and make investment decisions, as of a specific moment in time during the trading day, or after market close. All exchange-listed stock and ETF quotes on our secure online investing site and the RBC Mobile app are available in real-time without the typical 20-minute delay. Get free level 2 quotes for Canadian exchange-listed stocks and ETFs (TSX, TSX/V), and visit the trading dashboard for real-time streaming quotes – without hitting refresh. Watch: How to read a stock quote It's easy to place an order – whether you're using the secure online investing site or the RBC Mobile app. Choose from different order types, like market orders, stop-limit orders and limit orders. Watch: How to buy and sell a stock Try our clickthrough demo to see how you can place a trade using our desktop site or the RBC Mobile app. At RBC Direct Investing, all clients enjoy a low commission of $9.95 flat per trade with no minimum account balance or trading activity required. This is in addition to the cost of the security or securities you're purchasing. Commissions on stocks, ETFs and options: No mutual fund commissions There are no commissions charged to buy, sell or switch mutual funds using our online investing site or RBC Mobile app. No maintenance fees There is no maintenance fee for clients with combined assets of $15,000 or more across all of their RBC Direct Investing accounts. A fee of $25 per quarter applies to clients with combined assets of less than $15,000 in all of their RBC Direct Investing accounts. Competitive interest rates on fixed-income and margin account loans RBC Direct Investing offers access to one of Canada's largest online fixed income inventories. View a selection of our broad and diverse bond and GIC offerings, and find our rates on margin account loans. For full details on all of our pricing, and ways to have the maintenance fee waived, please view our complete Commissions and Fees Schedule. when you hold combined assets of $15,000 or more across your RBC Direct Investing accounts. And there are several other ways to lower your fees at RBC Direct Investing. For example, set up a Pre–Authorized Contribution Plan on any of our three platforms – desktop, mobile app, and Trading Dashboard. Simply log-in to search for a quote or check your Watchlist! Check out our practice account The RBC Rewards program is offered by the Royal Bank of Canada. The use of RBC Rewards points is subject to the RBC Rewards Terms & Conditions. You cannot earn RBC Rewards points through RBC Direct Investing (RBC DI). You may only use your points through RBC DI to: (1) pay for trade commissions on your eligible RBC DI accounts; or (2) transfer points to cash contributions to your eligible RBC DI accounts. It is your responsibility to make sure you have sufficient contribution room within your registered plan when transferring points to cash contributions to your registered accounts and/or when you use your RBC Rewards points to pay for trade commissions on a registered account. The Canada Revenue Agency may apply tax penalties for over-contributions. RBC Direct Investing is not responsible for any such penalties. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Real-time streaming quotes are available automatically to all clients for exchange listed equities, ETFs and most over-the-counter (OTC) securities. Real-time streaming quotes for options and grey market OTC securities are available to Active Traders and Royal Circle clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site. Level 2 quotes are available on stocks and ETFs that trade on the TSX and TSX-Venture exchanges for all clients. Level 2 quotes are also available on stocks and ETFs that trade on the Canadian Securities Exchange and Nasdaq for Active Trader clients upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site. Specific terms and conditions apply to membership in the RBC Direct Investing Community. For details please sign into the RBC Direct Investing online investing site, click the link to the Legal Terms of Use and read the RBC Direct Investing Community – Terms of Service. per equity trade when you trade 150 times or more per quarter. All RBC Direct Investing clients pay $9.95 flat CDN or U. per equity trade with no minimum account balance or trading activity required. This pricing only applies to trades placed through an available Automated Service (as such term is defined in RBC Direct Investing’s Operation of Account Agreement), including the online investing site and mobile application. Visit Pricing or call Up to $200 in transfer fees will be covered when you transfer $15,000 or more from an investment account held outside RBC to RBC Direct Investing. Clients must provide proof of transfer fee payment to RBC Direct Investing within six months of transfer to be eligible for reimbursement. Please contact an RBC Direct Investing representative for more details at Real-time quotes are available automatically to all clients for exchange listed equities, ETFs and most over-the-counter (OTC) securities without completion of exchange agreements. Real-time quotes for options and grey market OTC securities are also available upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site. Mutual Fund companies may assess additional fees — for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and charges for insufficient funds on pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments. There is no quarterly maintenance fee charged if your combined assets are $15,000 or more across all of your RBC Direct Investing accounts. If your combined assets are less than $15,000 across all of your RBC Direct Investing accounts, you will be charged one maintenance fee of $25 per quarter (split across all of your accounts). For full details please refer to the complete Commissions and Fees Schedule at Clients with a Pre-Authorized Contribution (PAC) must have a net contribution of $300 or more for the quarter to qualify for the maintenance fee waiver. GIC remuneration does not have a maximum or minimum amount per transaction. For Treasury bills, bonds, strip bonds, debentures and other money market instruments, the commission is included in the quoted price. The minimum commission is $25 per transaction ($43 minimum commission for orders placed using an Investment Services Representative) and the maximum commission is $250 per transaction for all orders. Commissions for exchange-listed debentures are charged according to the Stocks Commission Schedule. Real-time quotes are available automatically to all clients for exchange listed stocks, ETFs and most over-the-counter (OTC) securities without completion of exchange agreements. Real-time quotes for options and grey market OTC securities on detailed quote and order entry pages are also available upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site. Real-time quotes for options and grey market OTC securities are available to Active Traders and Royal Circle clients across the site upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online investing site. Banque direct rbc royal bank of canada online sign in Ouverture de session dans Banque en direct. Obtenez rapidement des renseignements sur les produits cet services de RBC. Entrez vos questions et obtenez des réponses sur-le-champ, ou consultez la FAQ. Soyez au fait des dernières nouvelles et mises à jour grâce à En vedette. Jetez un coup d’œil. Ouvrez une session dans RBC Banque en direct. Virez des fonds du bureau. Consultez le solde de votre hypothèque à la maison. Payez vos factures de câblodistribution, de téléphone et autres en quelques minutes. C'est facile avec Banque en direct. Ouverture de session. Les placements en fonds communs peuvent entraîner des commissions, des commissions de suivi et des frais et dépenses de gestion. Veuillez lire le prospectus ou le document Aperçu du fonds avant d’investir. Les fonds communs de placement ne sont pas garantis, leur valeur change fréquemment et les rendements antérieurs ne se répètent pas nécessairement. Pour les fonds du marché monétaire, il ne peut y avoir aucune assurance que le fonds sera en mesure de maintenir constant le montant de sa valeur liquidative par titre ni que le plein montant de votre placement dans le fonds vous sera rendu. Certaines conditions s’appliquent à l’adhésion à la Communauté de RBC Placements en Direct. Pour en savoir plus, veuillez ouvrir une session dans le site de placement en ligne de RBC Placements en Direct, cliquer sur le lien Conditions d’utilisation et lire les modalités d’entente de service de la Communauté de RBC Placement en Direct. Le programme RBC Récompenses est offert par la Banque Royale du Canada. L’utilisation des points RBC Récompenses est assujettie aux conditions du programme RBC Récompenses. Vous ne pouvez pas accumuler de points RBC Récompenses à partir du site RBC Placements en Direct. Vous pouvez uniquement utiliser vos points pour : 1) payer les commissions sur opérations dans vos comptes RBC Placements en Direct admissibles ; ou 2) convertir les points en cotisations en espèces dans vos comptes RBC Placements en Direct admissibles. Il vous incombe de vérifier que vous disposez de droits de cotisation suffisants dans votre régime enregistré lorsque vous échangez vos points pour une cotisation en espèces dans un compte enregistré ou lorsque vous utilisez vos points RBC Récompenses pour payer des commissions dans un compte enregistré. L’Agence du revenu du Canada peut appliquer des pénalités fiscales pour les cotisations excédentaires. RBC Placements en Direct n’est nullement responsable de ces pénalités. Tous les clients de RBC Placements en Direct paient un tarif fixe de 9,95 $ CA ou US par opération sur actions, sans exigence de solde de compte minimal ni de volume d’opérations minimal. Tarif fixe de 6,95 $ CA ou US par opération sur actions lorsque vous effectuez 150 opérations ou plus par trimestre. Cette tarification s’applique uniquement aux opérations effectuées au moyen d’un service automatisé (au sens attribué à ce terme dans la Convention d’exploitation de compte de RBC Placements en Direct), notamment le site de placement en ligne et l’application mobile. Visitez la page Tarification ou composez le Il n’y a aucuns frais de tenue de compte trimestriels si le total de vos actifs combinés est d’au moins 15 000 $ dans l'ensemble de vos comptes RBC Placements en Direct. Si le total de vos actifs combinés est inférieur à 15 000 $, des frais de tenue de compte de 25 $ vous seront imputés par trimestre (répartis dans l’ensemble de vos comptes). Il existe toutefois plusieurs autres façons de bénéficier de l'exonération des frais. Pour des renseignements complets, veuillez consulter le Barème des frais et commissions intégral au Les sociétés de fonds communs de placement peuvent percevoir des frais supplémentaires, par exemple des frais d’acquisition reportés sur les fonds avec frais de résiliation, des frais de rachat anticipé, des frais d’établissement et des frais pour provision insuffisante à l’égard des achats préautorisés. Les frais de gestion et les frais d’exploitation sont payés par le fonds commun de placement. Les placements en fonds communs peuvent entraîner des commissions de suivi. Les cotes en temps réel en continu pour les options et les titres négociés hors bourse sont présentées aux investisseurs actifs et aux clients du Cercle Royal dès qu’ils acceptent les modalités de toutes les conventions boursières du site de placement en ligne de RBC Placements en Direct. Les comptes fictifs, qui sont gratuits pour les clients de RBC Placements en Direct et de RBC Banque en direct, vous permettent de mettre à l’épreuve diverses stratégies de placement et d’apprendre à passer des ordres d’achat et de vente à partir du site de placement en ligne. Ils renferment 100 000 dollars fictifs et vous donnent accès au site de placement en ligne servant à effectuer de véritables placements. Vous pouvez donc vous exercer à investir au moyen des écrans de saisie des ordres utilisés pour les opérations réelles sans courir le moindre risque, autant de fois que vous le voulez. Les comptes fictifs sont extrêmement faciles à utiliser. Cliquez sur le lien ci-dessous ou sur « Ouvrir un compte fictif » dans le menu Mon portefeuille pour ouvrir un compte fictif REER, au comptant ou sur marge. Une fois que le compte est activé, vous pouvez accéder à l’avoir de vos comptes fictifs à la page « Mes avoirs en portefeuille » ou à partir du menu Passer un ordre pour acheter ou vendre un placement. Vous saurez que vous êtes en mode de simulation lorsque l’icône d’un livre brun clair « Mode compte fictif » s’affichera sur l’écran d’entrée des ordres. Les comptes fictifs vous permettent de simuler la presque totalité des opérations permises dans un compte réel. Comptes fictifs : Foire aux questions Quelles sont les opérations permises dans un compte fictif? Certaines conditions s’appliquent à l’adhésion à la Communauté de RBC Placements en Direct. Pour en savoir plus, veuillez ouvrir une session dans le site de placement en ligne de RBC Placements en Direct, cliquer sur le lien Conditions d’utilisation et lire les modalités d’entente de service de la Communauté de RBC Placement en Direct. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. est une filiale en propriété exclusive de Banque Royale du Canada et elle est membre de l’Organisme canadien de réglementation du commerce des valeurs mobilières et du Fonds canadien de protection des épargnants. Banque Royale du Canada et certains de ses émetteurs sont reliés à RBC Placements en Direct Inc. ne fournit pas de conseils en placement et ne fait pas de recommandations concernant l’achat ou la vente de titres. Les investisseurs sont responsables de leurs décisions de placement. RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc. ® / Marque(s) de commerce de Banque Royale du Canada. RBC et Banque Royale sont des marques déposées de Banque Royale du Canada. Rbc banque direct en ligne rbc mcphillips Entrez le numéro à 16 chiffres de la carte que vous utilisez pour vos débits et opérations aux GAB. Si vous n’avez pas de carte, vous pouvez accéder à Banque en direct au moyen du numéro qui vous a été remis en succursale. Si vous avez créé un identifiant, utilisez-le afin d’ouvrir une session dans Banque en direct. La Banque en direct Achetez et gérez votre CPG en direct. Les clients de RBC Banque Royale peuvent maintenant acheter des CPG non enregistrés, modifier les instructions à l'échéance et changer les coordonnées de versement des intérêts par voie électronique ! Du gouvernement du Canada seront ouvertes à compter du 9 avril 2020 par l’intermédiaire de RBC Banque en direct à l’entreprise. Les entreprises admissibles recevront un prêt de 40 000 $ financé par le gouvernement pour couvrir les charges d’exploitation, les salaires et autres dépenses qui ne peuvent être reportées et qui sont essentielles au maintien des opérations. « Nous savons à quel point cette aide est importante et urgente pour des entreprises de partout au Canada, car elle contribuera au soutien de leur effectif et au maintien de leurs activités, a déclaré Greg Grice, vice-président directeur, Services financiers à l’entreprise, RBC. C’est pourquoi nous avons mis en place un processus d’inscription libre-service entièrement numérique, afin de pouvoir rapidement et facilement mettre à la disposition des entreprises admissibles les fonds nécessaires, par l’intermédiaire de RBC Banque en direct à l’entreprise. » Pour s’inscrire au Compte d’urgence pour les entreprises canadiennes, les clients doivent ouvrir une session dans RBC Banque en direct à l’entreprise, car l’inscription en ligne pour les clients de RBC ne pourra être effectuée qu’au moyen de cette plateforme. Les clients qui ne sont pas inscrits à Banque en direct peuvent le faire en se rendant à la page d’inscription de RBC Banque en direct à l’entreprise. Pour s’inscrire, les clients devront faire les quatre choses suivantes : Les clients de RBC Express qui ne sont pas inscrits à Banque en direct à l’entreprise devront communiquer avec leur directeur de comptes RBC afin d’obtenir les directives d’inscription au Compte d’urgence pour les entreprises canadiennes. Les clients qui souhaitent obtenir de plus amples renseignements sur le Compte d’urgence pour les entreprises canadiennes et les critères d’admissibilité peuvent consulter le site Web du gouvernement du Canada. Pour obtenir de plus amples renseignements sur ce que fait RBC pour soutenir les entreprises de partout au Canada durant la période actuelle, allez au com/secoursauxentreprises. Aperçu de RBC La Banque Royale du Canada est une institution financière mondiale définie par sa raison d’être, guidée par des principes et orientée vers l’excellence en matière de rendement. Notre succès est attribuable aux quelque 85 000 employés qui concrétisent notre vision, nos valeurs et notre stratégie afin que nous puissions contribuer à la prospérité de nos clients et au dynamisme des collectivités. Selon la capitalisation boursière, nous sommes la plus importante banque du Canada et l’une des plus grandes banques du monde. Nous avons adopté un modèle d’affaires diversifié axé sur l’innovation qui nous permet d’offrir des expériences exceptionnelles à 17 millions de clients au Canada, aux États-Unis et dans 34 autres pays. Pour en savoir plus, visitez le site .‎ Nous sommes fiers d’appuyer une grande diversité d’initiatives communautaires par des dons, des investissements dans la collectivité et le travail bénévole de nos employés. 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. Depuis les paiements de factures et les virements sur comptes jusqu'aux placements et aux prts, voici tout ce dont vous avez besoin pour grer vos besoins financiers et bancaires partir d'un guichet unique. Grce son interface conviviale, ses outils et calculateurs financiers et ses fonctionnalits compltes, vous pourrez dcider du moment et du lieu de vos oprations bancaires. Accs la maison, au bureau ou en vacances sur une plage des Bermudes, il vous suffit d'une connexion Internet pour accder l'information financire et vos dossiers de gestion, 24 heures sur 24, sept jours sur sept. Votre code d'activation vous est transmis par la poste aprs l'inscription, ce qui vous permet d'accder en toute scurit l'ensemble des fonctionnalits de Banque en direct de RBC Banque Royale. Gestion de vos comptes Finis les paiements en retard ! Notre suite exhaustive de services vous permet de tenir vos comptes jour. Toutes les oprations effectues par Banque en direct sont sres et scurises. Consultez nos conseils d'utilisation pour vous familiariser avec une varit de techniques qui vous feront gagner du temps. Dcouvrez les atouts de Banque en direct : commodit et simplicit. Inscrivez-vous en ligne ou par tlphone, au1 800 ROYAL 5-5 (1 800 769-2555), 24 heures sur 24, sept jours sur sept. Selon le type de votre compte, il se peut que des frais d'opration s'appliquent aux paiements de factures et aux virements de fonds raliss par l'entremise de Banque en direct et des Services bancaires par tlphone. Notre forfait comporte un vaste ventail de services, moyennant des frais mensuels fixes. RBC Placements en Direct Inc.* et la Banque Royale du Canada sont des entités juridiques distinctes et affiliées. * Membre – Fonds canadien de protection des épargnants. ne fournit pas de conseils en placement et ne fait pas de recommandations concernant l’achat ou la vente de titres. Les investisseurs sont responsables de leurs décisions de placement. RBC Placements en Direct est un nom commercial utilisé par RBC Placements en Direct Inc. Les clients de RBC Banque Royale peuvent maintenant acheter des CPG non enregistrs, modifier les instructions l'chance et changer les coordonnes de versement des intrts par voie lectronique ! Il suffit d'effectuer quelques tapes simples pour modifier son compte CPG non enregist ou y cotiser par l'intermdiaire de Banque en direct : Pour acheter d'autres CPG en direct ou modifier un CPG non enregistr, vous devez tre inscrit Banque en direct et possder un compte CPG. Si vous tes dj un client de Banque en direct, vous pouvez ouvrir une session ds maintenant. Si vous n'tes pas inscrit Banque en direct, vous pouvez vous inscrire immdiatement. Rbc banque direct en ligne RBC ROYTRIN Mitual Funds daily share price Services en ligne Ouverture de session. Votre session sécurisée dans services Bancaires en ligne RBC Express a été fermée. RBC Banque en direct est un moyen rapide et facile de faire toutes vos opérations bancaires en un seul endroit. Ce que vous pouvez faire Consultez le solde de tous vos comptes RBC, ainsi que vos paiements et vos achats; Payez des factures et programmez des paiements au moment qui vous convient le mieux Entrez le numéro à 16 chiffres de la carte que vous utilisez pour vos débits et opérations aux GAB. Si vous n’avez pas de carte, vous pouvez accéder à Banque en direct au moyen du numéro qui vous a été remis en succursale. Si vous avez créé un identifiant, utilisez-le afin d’ouvrir une session dans Banque en direct. Investir dans des actions vous permet de faire l’acquisition d’une petite partie d’une société. Cela vous permet de participer à la croissance de la société et d’en tirer profit et, potentiellement, de toucher un revenu fiscalement avantageux sous forme de , vous réinvestissez automatiquement vos dividendes en espèces en demandant à RBC Placements en Direct d’acheter des actions supplémentaires des mêmes sociétés en votre nom. Si vous pouvez tolérer que les rendements fluctuent, les actions offrent divers avantages, dont un rendement potentiel supérieur à long terme comparativement à celui d’un placement en espèces ou à revenu fixe, et la possibilité de toucher des dividendes et des gains en capital. Lire la FAQ connexe Les dividendes versés dans le cadre du PRD peuvent être assujettis aux exigences de la Loi de l’impôt sur le revenu (Canada). Il vous incombe de veiller au respect de toutes les exigences ou obligations fiscales qui s’y rattachent. Tous les clients de RBC Placements en Direct paient un tarif fixe de 9,95 $ CA ou US par opération sur actions, sans exigence de solde de compte minimal ni volume d’opérations minimal. Tarif fixe de 6,95 $ CA ou US par opération sur actions lorsque vous effectuez 150 opérations ou plus par trimestre. Cette tarification s’applique uniquement aux opérations effectuées au moyen d’un service automatisé, notamment du site de placement en ligne et de l’application mobile. Visitez la page Tarification ou composez le La liste des titres admissibles au PRD peut être modifiée à tout moment, sans préavis. RBC Placements en Direct achètera uniquement des actions entières. Certains titres admissibles tels que les actions privilégiées et les actions ordinaires avec droit de vote ne seront pas réinvestis en parts supplémentaires du même titre, mais plutôt en actions ordinaires sous-jacentes sans droit de vote ou en titres similaires. As we utilize emerging technologies in the pursuit of our customer’s goals, we continue a 34 year tradition of quality products, dedication to service & innovative solutions. Action Sign Creative, has joined with Sign Factory Direct, a nationally recognized full color print provider to deliver a complete provision point for all your imaging needs. Providing you with over 55 years combined experience, Continuing to provide excellence in retail & commercial signage and aluminum & lighted displays, and much much more... • All-In-One Business Print Source • Unparalleled Customer Service • On-Demand Print Service • Faster Delivery We Have Added: • On Demand Printing • Digital Printing • Brand Development • Paper Printing • Promotional Products Over 33 Years of Traditional Excellence. View your account details and transaction history for the last seven years. You can also set up and receive RBC Alerts about your banking activity and available RBC Offers. It’s a breeze to move money to your savings account, pay down your credit card, loan or credit line, or make a payment on your mortgage Easily access your RBC Royal Bank credit cards and credit lines. View your balance and available credit, make payments, apply for a new credit line or request a limit increase. Stay on top of your mortgage and loan details including your outstanding balance, interest rate and payment details. You can also skip a payment or make a double-up or lump sum payments on your mortgage. Track your RBC Royal Bank investments, RBC Direct Investing and RBC Dominion Securities accounts in one convenient place. Plus, contribute to your RRSP, renew GICs, buy RBC Mutual Funds and get personalized investment advice with My Advisor. Purchase foreign cash 24/7 through RBC Online Banking and pick it up at any of the 1,200 RBC branches in Canada. Have a question about your accounts or a recent transaction? Send us a message through our Secure Message Centre and we’ll get back to you within 48 hours. It’s a secure and convenient way to reach a helpful RBC representative. Purchase insurance coverage for your RBC loans, mortgages or credit cards or get travel insurance coverage for your next trip. When you bank online - or even with your mobile phone - you can easily check your balances, view your transactions or statements, pay bills and transfer funds at any time – wherever and whenever it’s convenient for you. And when you use RBC Online Banking, you also have access to my Finance Tracker – an online money management tool that automatically categorizes your expenses, letting you track your spending, set savings targets and create a budget in minutes. Online Banking is also an extremely safe and secure way to bank, so you can be confident your money is protected at all times. As a personal banking client you'll need your RBC Royal Bank Client Card or credit card to enrol. If you are an automotive finance, mortgage, credit line, Homeline, loan or investment client, you’ll need your account number and transit number. If you’d like to enrol your business account for Online Banking, you’ll need your RBC Royal Bank Business Client Card. Before you can make bill payments in Online Banking, you'll need to set up a list of payees. Sign in to Online Banking and select the "Manage Payees" option from the Accounts Summary page. You can then choose “Add Payee” in the left side menu and follow the instructions. To make a payment online: Whether you're at home or away you can arrange to have payments and transfers made at a predetermined frequency or specified dates. Simply specify the amount and how often you want the transfers to occur (such as once a week, every 2 weeks or once a month). RBC Direct Investing Inc.*, RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee. Please note that each payment to a third party from your RBC Royal Bank credit card account is treated as a cash advance (up to your available credit and daily limits) and is subject to the standard annual interest rate applicable to your credit card account, from the day the cash advance is posted until the balance is paid in full. A $3.50 cash advance fee/transaction applies and will be charged to your credit card account. Maximum transaction limits may apply and are subject to change. If paying from a Royal Credit Line regular interest charges apply. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The products, services and securities referred to on this web site are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this web site should not be construed as an offer by RBC Dominion Securities to sell specific securities in any jurisdiction outside of Canada. An excess debit transaction fee may also apply depending on the deposit account used for purchase. If you purchase foreign cash using your credit card the transaction is treated as a Cash Advance. This means that Cash Advance fees apply and interest is charged from the date of your foreign cash purchase. The foreign exchange rate is final at the time you make the purchase. Depending on the branch you have chosen for pick-up, you can expect it to take anywhere from 3-10 business days to arrive at the bank. In most cases you can expect the cash to arrive in 3 business days. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The Credit View Dashboard information is provided by Trans Union for educational purposes and is not intended to provide you with financial advice. We do not review or use Credit View Dashboard information, and Credit View Dashboard information cannot be interpreted as credit approval. As such, Royal Bank of Canada is not liable for any decision you make based on Credit View Dashboard information. For help with your financial needs and financial advice, please talk to us. In order for you to access the Credit View Dashboard, we must share your name, address and date of birth with Trans Union each time you click on the "View Your Credit Score" link in Online Banking. Action direct rbc sign in rbc uptown RBC Dominion Securities Inc. 2001, 2003, 2010 is an online information service operated by RBC Dominion Securities Inc. and the other businesses and legal entities operating under the brand name RBC Capital Markets. With our online tools, information and learning resources, RBC Direct Investing has everything you need to manage your investments with confidence. Hey guys, I tried to do as much researching on this forum and other places before I made this thread. I will be starting off with a 10k lump sum investment and plan on doing monthly contributions(so leaning towards index mutual funds compared to ETF's). I just need some clarification about some information. I can accept medium to high risk and I dont need the money for anything except long term gains. I want to invest through an RRSP and shelter myself for income tax purposes. 1) Is anyone using the Couch Potato approach through RBC? I know that TD offers a lot better efunds, but I'm not sure if I want to switch over. How do you find the costs and returns through doing this? 2) What type of account would you guys recommend opening (self-direct RRSP through action direct, or just something through RBC itself? ) 3) Is there any other direction you guys think I should look towards? Hey guys, I tried to do as much researching on this forum and other places before I made this thread. I will be starting off with a 10k lump sum investment and plan on doing monthly contributions(so leaning towards index mutual funds compared to ETF's). I just need some clarification about some information. I can accept medium to high risk and I dont need the money for anything except long term gains. I want to invest through an RRSP and shelter myself for income tax purposes. 1) Is anyone using the Couch Potato approach through RBC? I know that TD offers a lot better efunds, but I'm not sure if I want to switch over. How do you find the costs and returns through doing this? 2) What type of account would you guys recommend opening (self-direct RRSP through action direct, or just something through RBC itself? ) 3) Is there any other direction you guys think I should look towards? Glad to see you are taking an interest in your finances. 1) Making the switch to TD is not going to make a difference. RBC offers a great line-up of funds whether this by indices or traditional funds. 2) I would recommend starting an account with RBC first. After a few years of exposure/learning than you should consider self-direct investments. After your income level is higher, consider the use of an Advisor. All "funds of funds" have some thought as to where to invest (asset classes, locations...) 2. All mutual fund companies have at least one stinker fund in the bunch - performs poorly and not recommended by anyone. Not one fund family has winners or top performers in all categories. 3) If you are interested and have the time, occasionally read the newspaper, books, and articles on the Internet. All "funds of funds" have to invest using their own company's mutual funds - ie. Using the above assumptions, you can assume that if company A's fund of funds decides that location X is a great place to be, they will have to buy their mutual fund that covers X. This is great if the mutual fund that covers location X is a great fund; but what happens if it's the stinker in the group? Checked out the mixture of the "program" I would like to follow - for example, you stated that you had medium to high risk factor and looking for a long term gains. What I did was to pick two different high performance funds in the area. Periodically, rebalance and re-evaluate your choices. Remember, you can always find a CFA to consult and "past performance is no indication of future performance". Why not replace the fund in question with one that is rated highly? Check out the high risk portfolios from the various places and see what their mix is - ie what percentage is invested in Canada, US, Asia, bonds... Search for better performing or rated funds that can be use for those places. See if you like what the fund does and how it does things. Use various Internet mutual fund websites as well as RBC's own filters. The entitlements information provided by RBC Investor Services Trust or RBC Investor Services Bank S. A., as the case may be, (each referred to as "RBCIS") is a general summary of information actually received by RBCIS from third party sources believed to be reliable and RBCIS does not represent or warrant the accuracy or fitness for use of such information. The summary provided (the "Notification") is an overview and may not be comprehensive and should be used for information purposes only. Clients are strongly advised to consult their advisors and to review the offering documents and other relevant materials for complete details and offering terms. While the holdings information provided on the Notification is accurate as of publication date, the number is subject to change and may not accurately reflect the client’s holdings. It is the client’s responsibility (or that of its investment manager/advisor, where appropriate) (i) to instruct RBCIS as to the correct holdings, (ii) to ensure that it meets any eligibility requirement or other condition that may be necessary to participate in any corporate event. RBCIS reserves the right to request confirmation of residency for any beneficial owner before processing any request. For elective events: in the absence of a valid instruction received by RBCIS prior to RBCIS’ deadline date and time, RBCIS will apply the default option for the event, as described in the default option field, to all uninstructed balances. Instructions received after RBCIS' stated response deadline date and time which is not rejected will be processed using reasonable commercial efforts. Where instructions are executed using reasonable commercial efforts RBCIS cannot guarantee successful completion and RBCIS specifically disclaims any warranty or responsibility with regards to the successful execution of such instructions. Neither RBCIS nor its agents or employees shall be liable for any losses (direct or indirect) arising from the use of these materials or their contents. I recently got hooked up with RBC Direct Investing. Considering it's the self-directed brokerage of the largest Canadian bank, it doesn't seem to have a whole lot of discussion here on RFD. So, I figured I'd create a thread to discuss RBC DI, ask questions, and exchange information. If that bothers anyone....well, take it up with a moderator, and if they want to delete it, so be it Main website: Circle benefits information (for clients over $250,000 in assets): Active Trader benefits information (for clients who make 30 or more trades per quarter): Phone numbers: General inquiries and trading desk: Commissions (online only; see [url] for details): [U]Less than $50,000 in assets OR under 30 trades per quarter[/U] Up to 1,000 shares: $28.95 Over 1,000 shares: If stock price is up to $2.00, commission is 1.5% of trade amount; if stock price is over $2.00, commission is 3 cents per share ($28.95 minimum) [U]More than $50,000 in assets OR 30-149 trades per quarter[/U] Any number of shares: $9.95 [U]More than 150 trades per quarter[/U] Any number of shares: $6.95 My first comment (well, question really I suppose): Does anyone else find that the data presented in RBC DI seems.........slightly buggy? For instance, today (Saturday) I'm looking at my margin account holdings, which have been updated overnight to reflect Friday's action. In fact, that's what it says when I click on its name in my Holdings screen. But, if I back out to the Holdings screen and look at it in the list of all my holdings, in the "Price" column, it says "$4.29". Another surprise was that in the Activity screen, it says that the stock, which I purchased for $4.10, was purchased at "4.1". I know they just truncated the last zero, but it just seems like a careless oversight to have it shown like that. Another interface quirk: When selling mutual funds, your holdings will show weird amounts and prices until the trade is finally settled. For instance, for a sale I initiated a couple of days ago, this is what it says for my sold mutual fund..."remnants" of what was $30,000 worth of that fund: Symbol Quantity Price Market Value Book Value Change MFC842 0.198 11.22 2.22 N/A N/A I also sold all my shares in a stock a few days ago, and it still shows up in my Holdings screen..Quantity of "0", the current market price, a Market Value of "$0.00", and "N/A" next to everything else. I know all this will eventually clear itself up, but in the meantime, it's a little weird to look at. In short, I'm not all that impressed with the interface. I can move around it easily enough, but these little data quirks are.....unsettling, to say the least. Other than that, I like the research reports and so on that RBC DI provides. I find I spend a lot of time in that "tab" of the interface. And since I have RBC banking accounts, and also have over $250,000 in assets and hopefully will get their Royal Circle status shortly, it's a good brokerage for me. But for folks with smaller portfolios who don't trade as often, and unless you have RBC banking accounts, I wouldn't necessarily recommend it. Last question: Does anyone know if the IPO Centre gives us RBC DI folks some kind of "special access" to certain IPO's? Or is it the same info/access that's publicly available to any individual investor? Ya i always use the intraday one, the other ones are lagged. Its the same think with selling all your stocks, it goes to 0 and shows all this information and then clears itself up. i figure it's because it takes time to settle everything. my biggest quirk with them is that they always over charge on commissions and then fix it the next day. like i bought 2000 units of this stock, but the order went something like.. buy 500, buy 400 but 600 and buy 500, same or different prices. and they commissioned each one of those separately as if i bought them like that at separate times. I never really used other brokerages extensively, so I can't really compare, but RBC DI seems to always have "Technical Issues". Maybe once a month when you try to log in it'll have a warning sign saying "Technical Issue" and that something is wrong and they are looking into it. I also have Waterhouse but I only sign into that account maybe once every 2 months or so. I never really used other brokerages extensively, so I can't really compare, but RBC DI seems to always have "Technical Issues". Maybe once a month when you try to log in it'll have a warning sign saying "Technical Issue" and that something is wrong and they are looking into it. one was like, oh you can't make transfers from your linked bank account cuz it's not working for some reason. we don't know how much cash you have in your account. we should really have expect more for what they charge. I also have Waterhouse but I only sign into that account maybe once every 2 months or so. Yeah, and aside from the technical issues, it's interesting to me that Questrade's interface is actually MUCH prettier cosmetically..their data is any less prone than RBC DI's to getting scrambled on occasion, but it at least looks like a modern-designed interface. RBC DI's (in fact, all of RBC's online banking, since it's all linked anyway) looks like a remnant from 1998 or something. It just all contributes to the overall feeling that they're not putting much effort into it, which is a shame, given that you'd think RBC DI could just hire a top-notch web team for 500K or so and develop something that would really be tops in the industry, and maybe pay for itself in new customers. However, because I can link my account with my parents etc. in BMO investorline to get $9.95, I use BMO for investments. Why did you choose RBC DI over TD, BMO, Questrade etc? babixg: I actually started out with Questrade, because I was new to self-directed investing and wanted to get low fees, but wound up with RBC DI because of its integration with my existing RBC banking accounts (instant fund transfers during business hours). If I had TD banking accounts, I would've gone with TD's investing platform, or BMO's if I had BMO accounts, etc. Plus, I just like the idea of having one central location for all my financial assets, rather than having to constantly go to two different locales, transfer funds back and forth, wait two or three business days for things to get transferred, etc etc. Call it "streamlining" I also figured that since many of my Questrade trades were over 1,000 shares, and thus incurring $9.95 commissions, and since I have over $100K in assets and thus qualify for RBC DI's $9.95 trades, it didn't make any sense to keep Questrade over RBC DI. The only thing I still have with Questrade is RSP accounts, since those can have USD. And the thing of it is, the changes--at least, from what I can tell from the pictures they've shown--aren't even all that dramatic. Do folks with mutual funds at other self-directed brokerages find it quick to sell/switch mutual funds? But if RBC DI ever gets that together, adios Questrade Re: the interface: Everytime I've logged onto Banking or DI for the past ~6 monthg (at least) I keep reading about all the great changes that will "soon be happening to our online banking." ??? Re: the interface: Everytime I've logged onto Banking or DI for the past ~6 monthg (at least) I keep reading about all the great changes that will "soon be happening to our online banking." ??? You'd think after all that time, they'd come out with something bloody spectacular I don't believe so, no. I initiate a switch/sale, and it seems to take at least five days for things to get biggest problem with DI is with stocks that drip. Payment comes and goes and I end up just getting cash in my DI account. 20 minutes later I finally get told they don't offer drip on that stock. in a verify they will offer drip on the stock before I purchase, and even then they reserve the right to remove the drip feature on the stock at anytime, without telling you. In fact, now that you've focused my attention on this, this is probably one of the biggest drawbacks to RBC DI (I never thought about it, because I have RBC bank accounts). I asked for a list of stock they do offer drips on, didn't have one to give me. Other complaints, dated website & top dollar fees with little actual added value. All that, along with the RBC homeline plan and the nightmare I'm having with trying to get decent mortgage renewal rates with RBC has me done with Royal Bank. I've been a customer going on 20 years and I'm now searching for somewhere new to go. Fund transfers to your RBC Direct Investing account from an RBC Royal Bank account will be processed in real-time for cash investment, margin, RRSP and TFSA accounts between the hours of am and pm. and Royal Bank of Canada are separate corporate entities which are affiliated. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Transfers completed outside of those hours will be processed on the next business day. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Action direct rbc sign in banque royale rbc en direct Your trading dashboard session has ended. If you wish to sign back in, please go to RBC Direct Investing Online page using your main browser window. To discuss your personal information with us safely, send us a message via one of our secure message centres the RBC Direct Investing secure message centre, for example, or contact us by phone. RBC will never ask you to provide, confirm or verify personal, login or account information through regular email or ask you to sign in to any online. 2001, 2003, 2010 is an online information service operated by RBC Dominion Securities Inc. and the other businesses and legal entities operating under the brand name RBC Capital Markets. As a first step in the complaint process, please start at the source of your issue by visiting your local branch, call the contact centre or send an email to discuss the matter. Did you know that over 80% of all complaints are solved by speaking with a specialist in a branch or contact centre? Toll-free As a next step, if you have not been able to resolve your complaint at the source, you can contact the RBC Client Care Centre. This office can offer a fair and objective review of both parties’ positions without bias. The following Dispute Resolution bodies can provide you with a further review of your complaint or claim for compensation. Government regulators and other bodies provide alternative sources of consumer information and have offices that handle specific complaints concerning covered laws and rules. Depending on your issue, the federal government and provinces have their own resources that can be contacted. If you feel your complaint has not been resolved, you can contact one of the organizations listed in Additional Resources. As a next step, if you have not been able to resolve your complaint at the source you can contact the RBC Direct Investing Client Care Centre. This office can offer a fair and objective review of both parties’ positions. As a first step in the complaint process, please start at the source of your issue by discussing your concerns and expectations with an Insurance representative or Claim advisor. If you are not satisfied with the response, ask to speak with a Team Manager, Appeal Consultant or Client Care Specialist. These individuals will have the authority to investigate and resolve most problems that arise. If the matter still cannot be resolved at this level, ask that a business Manager provide you with a final letter outlining the company’s position. Contact us online By telephone: Life & Health: RBC Life Insurance Company Toll-free: If you have not been able to resolve your complaint with the appropriate RBC Insurance business division and you have received a letter stating their final decision/proposal, you can contact the RBC Insurance Customer Care Assurance office for assistance. This office can offer a fair and objective review of both parties’ positions without bias and provide a final report of its findings/recommendations. If you have a concern, we encourage you to let your Investment Advisor or Branch Manager know as soon as possible. You may refer to your account statement for their contact information or alternatively use our Find an Investment Advisor tool. Find an Investment Advisor What You Will Need: As a next step, if you have not been able to resolve your complaint with your Investment Advisor or Branch Manager, you can contact our Designated Complaints Officer. This officer can offer a fair and objective review of both parties’ positions without bias. If you have a problem or a complaint about your account, we encourage you to contact us so that we can review and resolve your issues. Speak with your Investment Counsellor about your concerns so that he/she can review and try to address any issues you have. Find an Investment Counsellor If your Investment Counsellor is not able to address your concerns to your satisfaction, ask him/her for the name of the Managing Director responsible for the branch where your account is held, and speak to him or her. What You Will Need: The following Dispute Resolution bodies can provide you with a further review of your complaint or claim for compensation. Government regulators and other bodies provide alternative sources of consumer information and have offices that handle specific complaints concerning covered laws and rules. Depending on your issue, the federal government and provinces have their own resources that can be contacted. If you feel your complaint has not been resolved, you can contact one of the organizations listed in Additional Resources.


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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. Nous accordons la plus grande importance à la confidentialité et à la protection de vos renseignements personnels et bancaires. Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. Banque direct rbc rbc rrsp Banque royal direct nouveau client rbc Merci d'avoir utilisé services Bancaires en ligne RBC Express Votre session sécurisée dans services Bancaires en ligne RBC Express a été fermée. RBC Placements en Direct Inc.*, RBC Dominion valeurs mobilières Inc. et Banque Royale du Canada sont des entités juridiques distinctes et affiliées. A fee of $25 per quarter applies to clients with combined assets of less than $15,000 in all of their RBC Direct Investing accounts. Competitive interest rates on fixed-income and margin account loans. RBC Direct Investing offers access to one of Canada's largest online fixed income inventories. Ouverture de session dans Banque en direct. Obtenez rapidement des renseignements sur les produits cet services de RBC. Entrez vos questions et obtenez des réponses sur-le-champ, ou consultez la FAQ. Soyez au fait des dernières nouvelles et mises à jour grâce à En vedette. Jetez un coup d’œil. To set up direct deposit, you will need to know the branch, institution, and account number for your bank account. Your branch (transit), institution, and account number are located on the bottom of a cheque for the relevant account, as shown below. If you do not have cheques or cannot find the numbers shown, you will need to contact your bank. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Please read the prospectus or Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Specific terms and conditions apply to membership in the RBC Direct Investing Community. For details please sign into the RBC Direct Investing online investing site, click the link to the Legal Terms of Use and read the RBC Direct Investing Community – Terms of Service.. You cannot earn RBC Rewards points through RBC Direct Investing (RBC DI). You may only use your points through RBC DI to: (1) pay for trade commissions on your eligible RBC DI accounts; or (2) transfer points to cash contributions to your eligible RBC DI accounts. It is your responsibility to make sure you have sufficient contribution room within your registered plan when transferring points to cash contributions to your registered accounts and/or when you use your RBC Rewards points to pay for trade commissions on aregistered account. The Canada Revenue Agency may apply tax penalties for over-contributions. RBC Direct Investing is not responsible for any such penalties. per equity trade when you trade 150 times or more per quarter. All RBC Direct Investing clients pay $9.95 flat CDN or U. per equity trade with no minimum account balance or trading activity required. This pricing only applies to trades placed through an available Automated Service (as such term is defined in RBC Direct Investing's Operation of Account Agreement), including the online investing site and mobile application. Visit Pricing or call There is no quarterly maintenance fee charged if your combined assets are $15,000 or more across all of your RBC Direct Investing accounts. If your combined assets are less than $15,000 across all of your RBC Direct Investing accounts, you will be charged one maintenance fee of $25 per quarter (split across all of your accounts). However, you have a number of additional ways to have this fee waived. For full details please refer to the complete Commissions and Fees Schedule Mutual Fund companies may assess additional fees – for example, deferred sales charges on back-end load funds, early redemption fees, setup fees and charges for insufficient funds on pre-authorized purchases. Management fees and operating expenses are paid by the mutual fund. There may be trailing commissions associated with these mutual fund investments. Real-time streaming quotes are available on stocks and ETFs for all clients. Real-time streaming quotes are also available on options and over-the-counter (OTC) securities for Royal Circle and Active Trader clients, upon accepting the terms and conditions of all exchange agreements on the RBC Direct Investing online site. Banque royal direct rbc mont royal RBC Placements en Direct Inc.* et la Banque Royale du Canada sont des entités juridiques distinctes et affiliées. n’offre pas de conseils ou de recommandations en matière d’achat ou de vente de titres. *Membre–Fonds canadien de protection des épargnants. 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. View your account details and transaction history for the last seven years. You can also set up and receive RBC Alerts about your banking activity and available RBC Offers. It’s a breeze to move money to your savings account, pay down your credit card, loan or credit line, or make a payment on your mortgage Easily access your RBC Royal Bank credit cards and credit lines. View your balance and available credit, make payments, apply for a new credit line or request a limit increase. Stay on top of your mortgage and loan details including your outstanding balance, interest rate and payment details. You can also skip a payment or make a double-up or lump sum payments on your mortgage. Track your RBC Royal Bank investments, RBC Direct Investing and RBC Dominion Securities accounts in one convenient place. Plus, contribute to your RRSP, renew GICs, buy RBC Mutual Funds and get personalized investment advice with My Advisor. Purchase foreign cash 24/7 through RBC Online Banking and pick it up at any of the 1,200 RBC branches in Canada. Have a question about your accounts or a recent transaction? Send us a message through our Secure Message Centre and we’ll get back to you within 48 hours. It’s a secure and convenient way to reach a helpful RBC representative. Purchase insurance coverage for your RBC loans, mortgages or credit cards or get travel insurance coverage for your next trip. When you bank online - or even with your mobile phone - you can easily check your balances, view your transactions or statements, pay bills and transfer funds at any time – wherever and whenever it’s convenient for you. And when you use RBC Online Banking, you also have access to my Finance Tracker – an online money management tool that automatically categorizes your expenses, letting you track your spending, set savings targets and create a budget in minutes. Online Banking is also an extremely safe and secure way to bank, so you can be confident your money is protected at all times. As a personal banking client you'll need your RBC Royal Bank Client Card or credit card to enrol. If you are an automotive finance, mortgage, credit line, Homeline, loan or investment client, you’ll need your account number and transit number. If you’d like to enrol your business account for Online Banking, you’ll need your RBC Royal Bank Business Client Card. Before you can make bill payments in Online Banking, you'll need to set up a list of payees. Sign in to Online Banking and select the "Manage Payees" option from the Accounts Summary page. You can then choose “Add Payee” in the left side menu and follow the instructions. To make a payment online: Whether you're at home or away you can arrange to have payments and transfers made at a predetermined frequency or specified dates. Simply specify the amount and how often you want the transfers to occur (such as once a week, every 2 weeks or once a month). RBC Direct Investing Inc.*, RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee. Please note that each payment to a third party from your RBC Royal Bank credit card account is treated as a cash advance (up to your available credit and daily limits) and is subject to the standard annual interest rate applicable to your credit card account, from the day the cash advance is posted until the balance is paid in full. A $3.50 cash advance fee/transaction applies and will be charged to your credit card account. Maximum transaction limits may apply and are subject to change. If paying from a Royal Credit Line regular interest charges apply. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The products, services and securities referred to on this web site are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this web site should not be construed as an offer by RBC Dominion Securities to sell specific securities in any jurisdiction outside of Canada. An excess debit transaction fee may also apply depending on the deposit account used for purchase. If you purchase foreign cash using your credit card the transaction is treated as a Cash Advance. This means that Cash Advance fees apply and interest is charged from the date of your foreign cash purchase. The foreign exchange rate is final at the time you make the purchase. Depending on the branch you have chosen for pick-up, you can expect it to take anywhere from 3-10 business days to arrive at the bank. In most cases you can expect the cash to arrive in 3 business days. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. S.) account transaction history until the following day but will reflect the date of transfer. The Credit View Dashboard information is provided by Trans Union for educational purposes and is not intended to provide you with financial advice. We do not review or use Credit View Dashboard information, and Credit View Dashboard information cannot be interpreted as credit approval. As such, Royal Bank of Canada is not liable for any decision you make based on Credit View Dashboard information. For help with your financial needs and financial advice, please talk to us. In order for you to access the Credit View Dashboard, we must share your name, address and date of birth with Trans Union each time you click on the "View Your Credit Score" link in Online Banking. 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. Read More With more than 100 years of dedicated service to the Caribbean, RBC has a presence in 17 countries across the Caribbean, serving more than one million clients. As one of the Caribbean’s leading diversified financial services companies, RBC provides personal and commercial banking, wealth management, corporate and investment banking, insurance and trust and asset management services to a range of clients, including individuals, small businesses, general commercial entities, regional and multi-national corporations and governments. Nous accordons la plus grande importance à la confidentialité et à la protection de vos renseignements personnels et bancaires. Pour vous offrir une plus grande tranquillité d'esprit, nous avons élaboré la Garantie de sécurité RBC Banque en direct. Des frais d'opérations pour les virements de fonds et les paiements de factures peuvent s'appliquer à l'utilisation de Banque en direct selon votre forfait bancaire et ils sont distincts des frais d'accès. Les clients de RBC Banque Royale peuvent maintenant acheter des CPG non enregistrs, modifier les instructions l'chance et changer les coordonnes de versement des intrts par voie lectronique ! Il suffit d'effectuer quelques tapes simples pour modifier son compte CPG non enregist ou y cotiser par l'intermdiaire de Banque en direct : Pour acheter d'autres CPG en direct ou modifier un CPG non enregistr, vous devez tre inscrit Banque en direct et possder un compte CPG. Si vous tes dj un client de Banque en direct, vous pouvez ouvrir une session ds maintenant. Si vous n'tes pas inscrit Banque en direct, vous pouvez vous inscrire immdiatement. Banque royal direct rbc 003 The RBC Rewards program is offered by the Royal Bank of Canada. The use of RBC Rewards points is subject to the RBC Rewards Terms & Conditions opens link in a new windowcannot earn RBC Rewards points through RBC Direct Investing RBC DI. 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. RBC Placements en Direct Inc.* et la Banque Royale du Canada sont des entités juridiques distinctes et affiliées. n’offre pas de conseils ou de recommandations en matière d’achat ou de vente de titres. *Membre–Fonds canadien de protection des épargnants. These Global Toll-Free numbers are accessible from 21 countries outside of North America. The “ ” sign stands for the international access code, which varies depending on the country you’re calling from. Please be advised that the head office locations listed below are currently closed. We ask that you send physical mail to an open branch location, or book an appointment for an advisor to call you for more options.