Rbc royal banque rbc st marys 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. 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 !

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How to Transfer Points Choose the type of account you’d like to transfer points to then select the amount of points available in your account that you would like to transfer to a second valid RBC Rewards account. You must know the full name and 16-digit card number of the recipient RBC Reward account to complete this redemption request. You can Trade with Points as long as you have an eligible RBC Direct Investing account and an RBC credit card that earns RBC Rewards points. Read Full FAQs Apply for an RBC Rewards Credit Card 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. The Canada Revenue Agency may apply tax penalties for over-contributions. RBC Direct Investing is not responsible for any such penalties. The products, services and securities referred to on any RBC Direct Investing automated service (as defined in the Operation of Account Agreement) are only available in the jurisdictions where they may be legally offered for sale. The information provided on any RBC Direct Investing automated service should not be construed as an offer by RBC Direct Investing to sell specific securities in any jurisdiction, including the United States. If you are not currently a resident of Canada, you should not access the information available on any RBC Direct Investing automated 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. Rbc rewards app rbc elite mastercard As an RBC Rewards member, you can use your RBC Rewards points where you need them most. Pay bills, pay down the balance on your credit card or make in-store purchases with an eligible wallet app iOS, Android and Samsung Pay. Bank, Shop, Pay and Redeem. Check your balances, pay with a tap of your mobile device, redeem RBC Rewards points and more. RBC has an app to manage your banking needs when it’s most convenient for you. Many Canadians are applying for financial relief through the Canada Emergency Response Benefit (CERB). To access your money faster, we encourage you to sign up for direct deposit from the Canada Revenue Agency. Please note that registering for CRA Direct Deposit does not register you for the CERB. You’ll need to apply for the CERB directly through the CRA website. Find out more about how to set up CRA Direct Deposit in RBC Online Banking or the RBC Mobile app. If you’ve stopped working because of reasons related to COVID-19, you may be be eligible to receive the CERB through the Government of Canada. RBC has created an interactive tool help you see if you may qualify for the CERB. Please note that RBC does not make any determinations with respect to eligibility, amount, or timing of the CERB. Answer a few quick questions to see if you may be eligible. Find out more To help clients with additional financial relief during COVID-19, RBC will be providing personal and business credit card clients already receiving minimum payment deferrals with a credit to their credit card account(s) to reimburse them for 50% of the interest charged to their accounts during the period they are receiving the deferral – the relief period. Personal and business credit card clients already receiving minimum payment deferrals will be reimbursed for 50% of interest charged during the deferral period. The credit(s) will be displayed on the client’s upcoming statement(s). To support seniors, and others who require special attention, we’re providing them with front of the line access at open branches so they can be served first if their transaction requires them to visit a branch. Let’s all do our part to help keep our community and each other safe and healthy. outbreak, we want to ensure you continue to have access to your financial statements without delay from RBC. For Online Banking and Mobile clients, you can view some of your statements electronically, as they are already there for you. Or you can also choose to go paperless by “turning off” your paper, and this way, you’ll have access to all of your electronic statements and will be notified by email as soon as a new document is available. Log into Online Banking to access your e Statements. If you don’t have access to Online Banking yet, enrolling is simple and quick. To access your documents electronically through Online Banking: In times of crisis, it’s important to come together as a community to support one another. RBC wants to provide you the support you need, and that includes immediate and long term relief for clients facing challenging circumstances. The RBC Client Relief Program includes: Hardship Relief To support clients facing additional pressure from illness, lost employment or unique family circumstances, clients are encouraged to book a call with an advisor for additional relief measures including: Longer term relief Up to six months of payment relief may be accessible through the RBC’s Financial Relief Assistance Plan. This option requires the support of one of our advisors; book a call with an advisor through our online booking tool. : Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular mortgage payment date, the current payment will be processed, and your next payment may be skipped. Program Details: There is no fee to skip a payment. When you skip a payment, the interest on the skipped payment is added to your outstanding balance and interest is charged on that amount. Your payments won't change during the term of your mortgage. Instead, at renewal your monthly payment amount increases to account for the higher balance. When you skip a payment you must still pay the portion of your payment that covers your property taxes and Home Protector Insurance Premium, if applicable. For immediate financial relief: Clients can also defer payments of principal and income for a period of up to six months depending on their needs. Note: Using Skip-a-payment may significantly increase your interest costs over the life of your mortgage, so it's important to carefully evaluate your financial situation and priorities before exercising this option. For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. For fixed rate loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest. For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance. To skip one monthly payment on your Personal Loan follow these simple steps: Skip or delay a loan payment function is available through Online Banking 24 hours a day and 7 days a week. Important: In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by PM local processing centre time. If you skip a payment and your Loan is protected with Loan Protector Insurance, your coverage will remain in place and the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. Skipping a payment may result in extending the amortization period of the loan. Note: Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option. Keep in mind, skipping a payment can affect your amortization and payment schedule. Personal clients can also defer payments of principal and income for a period of up to six months depending on their needs (Looking for relief on a Business car loan? For longer term relief: Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. Click here.) For Auto loan products, deferred interest will be added to the outstanding balance but interest will not be charged on deferred interest. For variable rate loans, the deferred interest will be added to the outstanding balance and interest will be charged on this new balance. To skip one monthly payment on your Auto Loan follow these simple steps: : In order for the request to be processed for a loan that is due on the same date the request is being submitted by the client, the request must be entered by PM local processing centre time. Skipping a payment may result in extending the amortization period of the loan. If you skip a payment and your Loan is protected with Loan Protector Insurance, the premium (for the period of the skipped payment) will be collected from your next regular payment. This means less of the next payment will be used to reduce the principal amount of your Loan. If a payment is skipped for a fixed rate loan, interest will continue to accrue and will be collected when the next payment resumes. If a payment is skipped for a variable rate loan, the unpaid accrued interest as well as the interest on the part of the principal that went to payment of the missed Loan Protector premium will be added to the loan principal balance (‘’Combined Amount’’) thus increasing the principal amount outstanding on your loan. Interest, at the interest rate of the loan, is charged on the Combined Amount until it is paid in full. : Using Skip-a-payment may significantly increase your interest costs over the life of your loan, so it's important to carefully evaluate your financial situation and priorities before exercising this option. : Skip-a-Payment requests could take up to five days to process. If you are within five days of your regular loan payment date, the current payment will be processed, and your next payment may be skipped. : Should you require additional financial relief beyond the first month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. To enroll in online banking, you need your transit and loan number. You can find this information in your Welcome Letter and/or your Annual Statement. For immediate financial relief: Our call centres are experiencing extremely high call volumes. For clients enrolled in RBC Royal Bank Online Banking immediate access to request financial relief is available, please use our self-serve options found in RBC Royal Bank Online Banking. Detailed instructions are below: You can use this form to request us to temporarily waive the requirement for you to make the minimum payment on your credit cards for one month (deferring your payment), referred to as the relief period. This will provide some short-term financial relief to you during the COVID-19 situation. It is important to understand the impact of deferring your minimum payment. If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period. As well, interest will continue to accrue at your annual interest rates during the relief period. We will add your interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest. To further help you during this difficult time, if you are receiving a minimum payment deferral, you will be provided with a credit to your credit card account to reimburse you for 50% of the interest charged to your account during the period you are receiving the deferral. This credit will be displayed on your upcoming statement. At the end of the relief period, your minimum payment will again become due and you will no longer receive credits to your account for your interest charges. If your credit card account is protected with Balance Protector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to file a claim with the insurer. Please note that choosing to defer a credit card payment will not impact your coverage. Balance Protector insurance premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector insurance premiums. More financial relief is available for these and other products by speaking with one of our advisors. For longer term relief (Up to 6 months): Should you require additional financial relief beyond one month, please use our online booking tool to schedule a time to speak with one of our advisors by phone. As our call centre continues to experience extremely long wait times, we encourage you to use our online booking tool to schedule a time to speak with us by phone. The online-only enrollment process to participate in the Government of Canada’s Canada Emergency Business Account (CEBA) is now live. To enroll for CEBA, log into your RBC Online Banking for Business. The online enrollment process is only available through this platform. If you are not registered for online banking, click here to enroll in RBC Online Banking for Business. If you are an RBC Express client, please contact your RBC Account Manager for separate instructions to enroll for CEBA. Click here for detailed CEBA eligibility, pre-enrollment actions and other FAQs. Please note that the CEBA enrollment cannot be fulfilled in our branches, or through our advisors and RBC Advice Centre. provides eligible employers that have experienced an eligible reduction in revenue to receive a subsidy of 75% of employee wages for up to 12 weeks, retroactive from March 15, 2020, to June 6, 2020. For detailed information about the program, eligibility, and how to apply, refer to the Government of Canada’s site. Please ensure that you are registered for CRA Direct Deposit by logging into your RBC Online Banking for Business or RBC Express platform. CRA Direct Deposit is a quick, safe and secure way to receive your CEWS, should you be eligible for this program. The BDC Co-Lending program is designed to support Canadian businesses of all sizes that have been negatively impacted by COVID-19. Eligible applicants can access funding up to $6.25 million CAD (maximum loan amounts dependent on business size) to cover operating expenses (such as rent, payroll and other operating expenses) and working capital needs. The Government of Canada’s Export Development Canada (EDC) BCAP Guarantee aims to help eligible Canadian businesses impacted by COVID-19 with up to $6.25 million CAD in short-term liquidity. This financing solution can help cover expenses which are critical to business continuity such as rent, payroll and other operational costs. RBC is offering a number of relief solutions for business clients affected by COVID-19. We are assessing the needs of businesses on a case-by-case basis to provide relief solutions that are tailored to their circumstances. Relief support may include: Through RBC's partnership with Wello – a leading Canadian virtual healthcare company – we are making it easier for you to provide important COVID-19 screening information, timely access to physicians and nurse practitioners for health advice, and resources to support general health needs, including prescriptions, diagnostic and specialist referrals. Wello can support your employees' physical and mental health needs, wherever they are. If you are an RBC business client, you can access more information about Wello by signing in to RBC Online Banking and from the top of your Accounts Summary page, select the Offers for You link to browse your offers or log into the RBC Rewards app. For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the Branch if it is essential to do so, and to please use Online Banking or the RBC Mobile app if at all possible. We remain committed to ensuring that your financial needs are met. While select branches are closed, our advisors and banking solutions remain available to you across a variety of channels. The RBC Mobile App and Online Banking are safe, easy-to-use and available 24/7. Clients can: RBC Rewards / Avion: Our primary focus is the safe return of our clients currently travelling and needing to get home. For this reason, our Travel Rewards Call Centre is prioritizing calls from clients currently away. If you are calling about an upcoming trip, please call at a later date or click here for more information related to RBC Rewards points, changes, cancellation policies and travel insurance. Trip Cancellation / Trip Interruption: You may be eligible to submit a trip cancellation / trip interruption claim for travel booked prior to March 13, 2020 at PM (EST). Please be advised that claims related to Emergency Medical Insurance: Please be advised that travelling to destinations under a travel advisory can have implications on emergency medical coverage. If you travel to a destination that the Government of Canada has advised Canadians to “Avoid all Travel” or “Avoid all non-essential Travel”, and you contract , you will not be covered under emergency medical insurance. We are actively working with our community partners, subject matter experts, and the public and private sectors to understand and determine where the greatest community needs are and how to continue delivering the right support where and when it is needed most. This is effective as of the travel advisory issued March 13, 2020 at pm (EST). RBC is committed to supporting COVID-19 community response efforts in Canada, the U. To date, RBC businesses have committed $4.5 million in support of COVID-19 community response efforts: During these uncertain times, RBC recognizes that charities and non-profit organizations are particularly vulnerable. Relying solely on donations, corporate gifts, and government support – streams of revenue which have all been largely disrupted by the stresses of COVID-19 – these organizations are not only facing uncertainty, but could be confronting irreversible damage to non-profit sector. RBC Foundation is supporting our community partners in the following ways: Hiring Summer Students Youth have been disproportionately impacted by the economic fall-out of COVID-19. Many rely on summer jobs to help pay for their schooling. RBC will welcome close to 1,400 summer students this year and provide them with a meaningful work experience. RBC Future Launch RBC Future Launch is a critical focus for us. This ten-year, $500 million commitment is helping empower Canadian youth for the jobs of tomorrow. We are working with our community partners to adapt programs and learning opportunities, so that we can continue to support youth in Canada in remote and virtual environments. , including illness, loss of income, caring for a sick relative. Qualifying products include mortgages, personal loans, car loans, and credit cards. For more information, book an appointment with an advisor . For immediate relief, use the self-serve options available in online banking to get you through one month and then book an appointment with an advisor for further financial support. To help clients with immediate relief, many of these programs are available online and by self-serve to allow you to skip one or two monthly payments on most credit products including mortgages, credit cards and loans. We are committed to providing longer term support as well, and encourage you to speak with an advisor and book an appointment online. For mortgages, clients can defer one month in self-serve, or up to 6 months payments including both principal and interest. The deferred interest will be added to the outstanding balance and interest will be charged on this new balance. Clients still need to pay their property taxes, creditor insurance and property insurance. Note that this same program is also available to individual landlords who have investor mortgages for rental properties. If you hold multiple mortgages on different properties there is no limit to the number of retail mortgages you can apply the deferral to. At this point we intend to continue to make the program available until June 30th, meaning that a client would have until that date to elect to begin deferring payments. We will continue to review this date and may extend it depending on how circumstances evolve with the crisis. You could elect, for example, to skip one or two monthly payments online now and then call in to defer future payments. Or if you don’t need immediate relief, you can wait and take advantage of the program later if your circumstances change. You can quickly and easily request us to temporarily waive the requirement that you pay your minimum payment on your credit card for one month, by using our new online webform. The webform is available through RBC Royal Bank Online Banking. Once you complete the webform request to defer the minimum payment on one of your credit cards, you will see a link to request a deferral on other credit cards as well. Should you require additional financial relief, beyond the first month, please contact an advisor for additional deferrals up to a maximum of six months. You will be notified in your Message Centre within RBC Online Banking within 5-10 business days whether your request has been approved. outbreak has caused an increased demand for financial relief. As a result, our staff and our systems are working as quickly as possible. We will notify you within 5–10 business days to let you know if your request was approved. Please check your Message Centre in RBC Royal Bank Online Banking for updates. Interest will continue to accrue at your annual interest rates during the relief period. We will add interest charges to your outstanding balance, along with any transactions, which may cause your outstanding balance to increase during the relief period. Rest assured that we do not charge interest on accrued interest. If no payments are made during the relief period, your minimum payment may be higher at the end of the relief period. To further help you during this difficult time, you will be provided with a credit(s) to your account to reimburse you for 50% of the interest charged to your account during the relief period. These credits will be displayed on your upcoming statement(s). After the relief period you will no longer receive credits to your account for your interest charges. Choosing to defer a credit card payment will not impact your coverage. If your credit card account is protected with Balance Protector insurance you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to submit a claim with the insurer. Please note that Balance Protector premiums will continue to be charged to your account and increase your outstanding balance. Interest will not be charged on Balance Protector premiums. For the health & safety of our employees and communities, RBC has temporary closed a number of branches. Some branches remain open and we ask clients to limit branch visits for urgent matters that must be done in-person. We are limiting the number of clients allowed in the branch at any given time, to practice physical distancing – for both employees and clients. We’ve also installed Plexi Protection Screens to create a safer working environment. We encourage clients to only come to the Branch if it is essential to do so, and to please use Online Banking or the RBC Mobile app if at all possible. Our priority is the safety and wellbeing of our employees and our clients. We have increased frequency of cleaning, with daily disinfection of our retail branches and ATMs, and will continue to improve as we need to. In the event of a branch closure, a notice will be posted on the branch door. To find the next closest location, simply visit maps. Our Branch locator will also have updated information on whether your branch is open or closed. For immediate financial needs or access to your safe deposit box, please use our online appointment booking tool to schedule a call with your advisor. We will continue to offer our perspectives to help you navigate through these uncertain times Book an appointment online to speak with one of our advisors, to discuss your immediate needs. We’ll do our best to help you to feel more at ease. Foreign exchange requests are not currently available for ordering online. For urgent foreign exchange requests, please go to your local branch. Please note, RBC has announced plans to temporarily close select branches nationally, due to , we’re hearing from a number of clients who need help to stop payments. We want to remind you that you can use RBC Online Banking to manage stopping pre-authorized bill payments or cheques that are coming out of your bank account. Please visit com/stoppayment for step-by-step instructions on how to stop a payment in RBC Online Banking. In addition, to help our clients through this time, we are temporarily waiving fees for stop payments effective April 3, 2020 - September 30, 2020. Note, when you submit a stop payment request, it only stops the next payment to a payee, and a request must be submitted for each individual payment you wish to stop (for example, if you have a series of payments set up). If you choose to stop a payment, please also remember that you must first ensure that the cheque or debit to be stopped has not already been paid or processed through your bank account, and that you must also ensure the payee is notified of the stop payment. This can be found on your Auto Finance welcome letter and/ or Annual Statement Letter. For more information on these current scams and other important information, please visit our Cyber Security Alerts page. (Stop payments for pre-authorized payments on your RBC credit card must still be handled with the merchant directly.) Enrolling in Online Banking is simple and quick. Get more tips on how to protect yourself from COVID-19 scams and how to protect yourself online. While you continue to practice physical distancing including minimizing trips to the branch, we encourage you to view your balance, transactions and statements within RBC Online Banking or mobile channels. Should you want a printed record between monthly statements, we continue to offer mini statements from our ATMs. Effective April 6, 2020 there will no longer be a fee for these statements at the ATM. The Government of Canada has announced a 25% reduction to the minimum withdrawal amount for Registered Retirement Income Funds (RRIFs) in 2020. Learn more about this change There is no change or exception in your ability to apply for coverage or file an eligible claim. Please refer to your certificate of insurance for details about specific coverages, coverage eligibilities, limitations and exclusions. Please note that epidemics or pandemics, such as COVID-19, are not a limitation or exclusion. If your credit card account is protected with Balance Protector insurance, you may be eligible to submit a claim in the event of a job loss due to a layoff or dismissal without cause. Please visit the Assurant website https://cardbenefits.to submit a claim with the insurer. Job loss is not a coverage available under Home Protector Insurance and Loan Protector Insurance. In Online Banking, you can temporarily change your daily ATM cash withdrawal limit as well as your daily in store purchase limit. You may be able to temporarily change these limits up to three times per calendar year for a maximum duration of 60 calendar days each time. To make temporary changes to your daily limits for ATM withdrawals or in store purchases: Starting April 3, RBC clients can use RBC Online Banking and RBC Mobile to enroll in the Canada Revenue Agency (CRA) Direct Deposit service for CRA payments – including payments to be received by eligible clients who apply for the Canada Emergency Response Benefit (CERB) through the Government of Canada. Starting April 6, eligible clients will be able to apply for CERB through the Government of Canada. Clients who are already registered for CRA Direct Deposit do not need to register again and only need to apply for CERB beginning April 6. For questions and information about CERB, please visit the Government of Canada’s website. We encourage you to use our Online Booking Tool as we’re trying to limit the number of people visiting our open branches and calling into our advice centre. If you do not have digital access (online or mobile), you can phone our advice centre at If you still have the original CERB cheque You can return the cheque by mail to the address below. If you don't have the cheque or were paid by direct deposit You can mail your repayment to the CRA. Be sure to: Mail your payment to Revenue Processing – Repayment of CERB Sudbury Tax Centre 1050 Notre Dame Avenue Sudbury ON P3A 0C3 For more information, please visit the CRA website detailing all specifics relating to Canada Emergency Response Benefit community response efforts. As a first step, RBC will be donating funds to respond to community needs in Canada, the U. and globally to charitable partners including Food Banks Canada; Feeding America and The World Health Organization’s Covid-19 Solidarity Response Fund. We’ll match the Rewards any of our Reward customers donate pound for pound up to 30th June 2020 or until £5m of donations has been reached. So far, you’ve dug deep and helped us raise a huge amount of money through cash and Reward donations for the National Emergencies Trust’s Coronavirus Appeal, to help people in the UK cope with this pandemic. We’re still short of our £10m target, so please give what you can and together we’ll make a difference. #Royal Bank Donation Doubler Every month, earn £4 back in Rewards for paying 2 or more Direct Debits from your reward account – 2 of those Direct Debits need to be at least £2 each. App available to customers aged 11 with a compatible i OS and Android devices and a UK or international mobile number in specific countries. Earn an extra £1 back in Rewards every calendar month you log into our mobile banking app (criteria applies). Earning Rewards does not impact the account benefits you and your family automatically get with your bank account. To view and use your account benefits visit: Manage your Bank Account Rewards are easy to earn. You can earn up to £60 a year (before the Reward monthly fee is paid) as well as at least 1% on what you spend at participating retailers. As soon as your available Rewards balance is the equivalent of £5 or more, you can convert your Rewards to money, which you can either transfer into your Royal Bank of Scotland bank account or use towards reducing your credit card balance. Rewards can also be exchanged for e-codes at selected retailers or converted to money and donated to participating charities. If you want to learn more about our different types of Reward accounts, we can help.


An eligible credit card is one that earns RBC Rewards points. You will receive 50 RBC Rewards points for each $25 in Hudson's Bay gift cards, up to a maximum of 1,000 RBC Rewards points for $500 in Hudson's Bay gift cards, when you redeem your RBC Rewards points for the gift cards. The RBC Rewards points will appear on your credit card statement 8-10 weeks after the redemption is made. For additional details, please visit RBC Rewards terms and conditions. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. For more than a century, RBC Wealth Management has provided trusted advice and solutions to individuals, families, institutions and charitable foundations. "Having a basic understanding of how money, investing and our broader financial system works is critical in our society today. That’s good news, but with people spending decades in retirement it’s important to plan for any scenario. Put our award-winning global network to work for you. Yet there is a growing realization, particularly in the wake of the last financial crisis, that many people don't understand budgeting, investing or how simple financial products like loans work.” View profile Director of Portfolio Advisory Group, U. Equities “We continue to suggest to our investors that they maintain their asset allocation to stocks; what is comfortable to them, what makes sense from a strategic standpoint for their allocation and there are reasons for that. Our goals-based wealth planning approach brings clarity today, while helping people build confidence in the future.” View profile using Java Script to ensure the best experience through the site. If we did, the view would be quite different.” View profile Head of Wealth Planning U. Wealth Management “Americans increasingly view retirement as an exciting new chapter in life filled with possibilities. Please check to learn how to enable Java Script on your browser and enjoy the best experience. Rbc rewards app banque rbc dix30 RBC Rewards gives you the power to earn more RBC Rewards points in more ways and the flexibility to redeem points for nearly endless options -- travel the world, buy merchandise and gift cards from your favourite brands, pay down debt, invest in your future and much more. The RBC Rewards program is all about you. We offer the most ways to earn, save, and be rewarded with things you actually want, when you want them. As a program member, you have access to amazing value and exclusive member experiences that are only available through the RBC Rewards program. Not an RBC Rewards member? As an RBC Rewards member, you can use your RBC Rewards points where you need them most. Pay bills, pay down the balance on your credit card or make in-store purchases with an eligible wallet app iOS, Android and Samsung Pay. We’re taking a deep dive into the world of travel rewards program once again, this time focusing on the RBC Rewards program. As with most points programs, you’ll get the best value for your points when you redeem for travel. RBC Rewards not only has the standard option of using your points to book for any travel, but if you have an RBC Avion card you also have access to a flight redemption chart and the ability to transfer to several airline programs. These points can be redeemed for any type of travel through the RBC Rewards site. However, to get the most out of this program, you have to know the best ways to use your points, and have the right credit cards to access the best travel options. 100 points will give you a $1 discount, a value of 1 cent per point. * Travel booked at RBC Rewards – 1 cent per point (CPP) * Air Travel Redemption Schedule (Avion) – 2.33 CPP * Transfer to partner airlines (Avion) – 1.75 CPP * Transfer to West Jet Rewards – 1 CPP * Transfer to Hudson’s Bay Rewards – 1 CPP * Merchandise – 0.87 CPP * Gift cards – 0.72 CPP * RBC Financial products – 0.83 CPP * Statement credits – 0.58 CPP * Charity – 1 CPP* Level of flexibility? Unfortunately, RBC doesn’t give you the option to book any travel you like and then apply your rewards towards your purchase afterwards, nor do they offer price matching. With RBC, however, what you can redeem your points for depends on the card you have – a standard RBC Rewards credit card or an RBC Avion credit card. No * Can I get points back if I cancel an award flight? When it comes to redeeming your points, there’s a multitude of options at your disposal. When it comes to redeeming for travel, the edge definitely goes to the Avion cards. Because if you have an Avion card, in addition to being able to book any type of travel, you can use your points through the Air Travel Redemption Schedule – a set amount of points to fly to a set region. If the base ticket price is more than the maximum ticket price, you can use extra points to cover the flight, where every 100 points redeemed will give you an additional $1 off. Maximizing this chart can give you a value of 2.33 cents per point, giving you the best value for your points. Avioners have the option to transfer points to 3 other airlines – all part of oneworld alliance. Each RBC points is worth 1 Avios, and you have to transfer a minimum of 10,000 points at a time. We value an Avios at 1.75 cents, giving your RBC Rewards points the same value. The second is to transfer your points to Cathay Pacific Asia Miles, where the transfer rate and point valuation for British Airways also applies. The last transfer option is to American Airlines AAdvantage, where 10 RBC points will give you 7 AAdvantage miles. You’ll have the same options as with the other 2 partners. However, since you’re getting less AAdvantage miles, this gives an RBC point value of approximately 1.3 cents. With RBC Rewards, you’re also given the option to transfer your points to select partners. All RBC Rewards credit cards allow you to transfer your points to West Jet. 100 points = 1 West Jet dollar, a value of 1 cent per point, which you can use to help pay for any flights and vacation packages at You can also convert your points to Hudson’s Bay Rewards. Transfer anywhere from 500 to 1,000 points at once, you’ll get double that amount in Hudson’s Bay points. Since a Hudson’s Bay point is worth 0.5 cents, you’ll get double that – a value of 1 cent. You can also transfer points the opposite way, and 40 Hudson’s Bay points will give you 10 RBC Rewards points. Valuable travel and transferring to partners aren’t the only ways to redeem your rewards, however. If you want to use your points to score free merchandise, RBC Rewards has a large selection, one of the largest of any other rewards program. We checked a number of different products and came to an average point value of 0.87 cents. RBC Rewards also has a portal to use your points at Apple and Best Buy. The items we surveyed all had the same point value of 0.65 cents, however your points won’t cover taxes. Redeem for Hudson’s Bay gift cards and receive some bonus points – for every $25 you redeem, you’ll get 50 bonus RBC points. You can also use your points to get RBC Financial Rewards vouchers to use for: A minimum redemption of 12,000 points is required, which will give you a $100 voucher. If you’re hoping to take a bite out of your credit card bill, you can redeem your points for a statement credit. 17,200 points will give you a $100 statement credit, which gives a point value of 0.58 cents. Using your points for charitable donations is a great option if you have some extra points lying around and you’re not sure what to use them for. Here are the charities currently available at the time of writing: Every point you donate is worth 1 cent, and as an added bonus, you’ll get a tax receipt for your donation. Besides transferring HBC points, the only other way to earn RBC Rewards points is with a credit card. RBC has a wide variety of credit cards that can earn RBC Rewards. One thing they all have in common is that you’ll get instant discount of 3 cents per litre when getting fuel at Petro-Canada stations, plus a bonus 20% Petro Points. will offer you the most points for your spending – 1.25 for every dollar and a 25,000 point welcome bonus. Plus, it comes with a great host of Visa Infinite Privileges and a terrific insurance package. All for its $399 annual fee and household income requirements of $200,000. For a lower annual fee of $120, and income requirements of either $60,000 personal or $100,000 household, you’ll still get a great insurance package and a welcome bonus of 15,000 points. The is nearly identical, but is a great option if you don’t meet the above income requirements. RBC also gives you the option to earn RBC points on all of your business purchases. If you close your account, you have 60 days to use your points. Yes, these rewards can be transferred to West Jet Rewards and Hudson’s Bay Rewards. Looking to collect RBC Rewards but want lower annual fees and income requirements? For an annual fee of $110, the is one of the few that earns rewards for all of your purchases – 1 point for every U. If this is something you’re interested in, consider one of these cards: Here are some common questions and answers about the RBC Rewards program. Redeem for any travel you like, transfer to airline partners, transfer to a retail partner, and redeem for merchandise, financial products and even statement credits. If you’re an RBC Avion cardholder, you can also transfer your points to 3 other airline partners. The exact amount depends on the travel supplier provider. Yes, by transferring Hudson’s Bay Rewards to your RBC Rewards account. Here’s a list of numbers to contact RBC Rewards, depending on the card you carry: RBC Rewards offers a wide variety of ways to use your points – travel, gift cards, merchandise, and financial services. Plus, with the option to transfer to airlines and Hudson’s Bay, there’s a redemption option for everyone.