Heure de fermeture banque rbc the royal bank of canada English Ouverture de session. Localisateur de succursales et de guichets automatiques RBC. Skip Tab Navigation. Site Web de la Banque Royale du Canada. Numéro de téléphone, site web, adresse et heures d'ouverture de RBC Royal Bank – Montréal à QC - Service de crédit-bail, Agents d'assurance, Courtiers et agents d'assurance, Agents et courtiers immobiliers, Conseillers en planification financière, Banques, Prêts hypothécaires, Conseillers en placements.

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Below you will find current RBC Royal Bank's posted 5-year fixed and variable mortgage rates. Use Ratehub.ca's comparison chart to evaluate other banks, brokerages and lenders against RBC Royal Bank and ensure you get the best mortgage rate! In addition to standard fixed and variable rate mortgage products, the Royal Bank of Canada (RBC) offers a variety of specialty mortgage products. These additional products consist of the Rate Capper Mortgage, the RBC Homeline Plan, the Energy Saver Mortgage, a Cash Back Mortgage, and a Self-Employed Mortgage product, all outlined below. The Rate Capper Mortgage is a variable RBC mortgage rate with a maximum "capped" rate for a five-year term. This provides protection from rate increases if mortgage rates go up beyond that maximum "capped" rate, and if rates go down, your rate goes down just as it would with a variable RBC mortgage rate. The RBC Homeline Plan allows you to consolidate existing debt to save on interest charges and enjoy the benefits of mortgages and a line of credit in one plan. The Energy Saver Mortgage is a financing solution with a rebate to help you reduce your home energy costs and improve your home's energy efficiency. It essentially provides a $300 rebate on a home energy audit with the choice of a residential mortgage or the RBC Homeline Plan. The RBC Cash Back Mortgage provides a cash back payment at the time your mortgage is advanced. The amount of money you receive is based on the size and term of your mortgage, up to 7% of its value. RBC's Self-Employed Mortgage is available for those who are self-employed and have difficulty obtaining competitive rates for buying, refinancing, renovating and more. With this product, financing is available for up to 90% of the value of your home. And finally, the Vacation Home Mortgage lets you finance up to 95% of the value of your vacation home. RBC's online learning centre includes a range of features such as guides on buying and selling your home, renovating your home, maximising energy efficiency, and general mortgage advice, all aimed at self education and making informed decisions on your mortgage. As part of this information collection process, you should compare RBC's mortgage rates against other lenders and brokers to obtain the best mortgage interest rate. RBC mortgage rates are updated every day on its website. You can access these rates conveniently by either filling out an online mortgage application or simply speaking with an RBC mortgage agent over the phone toll-free at 1-800-769-2511. After gathering the necessary background information such as annual income, employment information, existing assets and liabilities, and financial history, you can complete an online pre-approval application for your RBC mortgage rate in less than three minutes. As part of your mortgage application process, RBC will ask you questions relating to what you owe and own; what some of the projected expenses relating to the property in question are, such as taxes, heating costs and condo fees; and whether you will be using the property to generate income. Additional information RBC will require includes: The Royal Bank of Canada is Canada's largest bank as measured by assets and market capitalization, and is among the largest banks in the world, based on market capitalization. It is a diversified financial services company, with personal and commercial banking, wealth management services, insurance, corporate and investment banking and transaction processing services on a global basis. It employs approximately 78,000 employees who serve close to 18 million personal, business, public sector and institutional clients through offices in Canada, the U. Are you looking to make maximize your savings and investments? As a registered savings account, tax-free savings accounts (TFSAs) are among the most useful financial tools available in Canada. You can compare the best TFSAs in Canada by using the calculator and comparison chart below. Savings Accounts that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only Savings Accounts that contain free promotional offers. For gift card FAQs and Terms & Conditions click here. Royal Bank of Canada (RBC) is the largest bank in Canada and has operations in 38 countries. RBC offers a number of savings accounts with varying rates and support from RBC’s network of branch locations and bank ATMs. This network is the largest across Canada, as RBC offers clients convenient access to accounts through more than 4,600 banking machines and online, mobile, and telephone banking services. All insured by CDIC insurance, RBC savings accounts vary from high interest, tiered interest, to basic savings accounts. RBC’s Royal Bank High Interest e Savings Account is an online savings account that offers a competitive annual interest rate. Some main benefits of the Royal Bank High Interest e Savings account are: It offers unlimited online transfers to other RBC accounts, one free withdrawal per month, and has no monthly fee. E-transfers are $1.00 each and withdrawals from external ATMs cost $1.50 per transaction. The Royal Bank Leo’s Young Savers Account is for children 0 to 19 years old. The Leo’s Young Savers Account includes 15 debits per month and unlimited Interac e-Transfers. At non-RBC ATMs, withdrawals will cost $1.50 per transaction. The Day to Day Savings account is designed for those who are just beginning to save. Interest rates are tiered and the highest possible rate earned when balances exceed $5,000. The account has no monthly fee and there’s one free debit transaction included each month. However, individual transaction fees of $2.00 apply in addition to charges for e-transfers and withdrawals from external ATMs. For this account, interest is earned only on balances of more than $5,000, from which the tiered rate begins. There’s no monthly fee for the Royal Bank Enhanced Savings account. Rather, it charges $2.00 for each transaction, $1.00 for E-transfers, and $1.50 for withdrawals from non-RBC ATMs. If these savings accounts don't quite match up with what you're looking for, try our savings account comparison tool to see how RBC's rates compare to other financial institutions. Royal bank interest rates rbc market cap A Term Deposit is a secure investment that guarantees to preserve your principal and your investment earns interest at a fixed rate. Features & Benefits Security and safety—both your original investment and interest payments are guaranteed. Competitive interest rates—guaranteed for the full term of the investment. Interest rates are subject to change without notice at any time. Interest is earned in the currency of the account. Interest is calculated daily on the closing credit balance and paid monthly on the 2nd business day of the following calendar month backdated to the previous business day. The interest rate is an annual interest rate. The Barbadian economy with a population of 289,680 (est. July 2014), is ranked 152nd in the world with a GDP PPP of $7 Billion and GDP PPP per capita of 25,181 vs. 53,101(United States) according to the IMF in 2013. Its currency is the Barbadian dollar (BBD) that is issued by Central Bank of Barbados ( Banks within the country offer savings accounts as well as 'term deposits' including Cashable Term Deposit and Fixed Term Deposit for savings and investing products.. According to its inflation was 2.1% in 2013 and 4.8% in 2012. Canadian banks have been criticized in the past for their timid approach to mobile banking but those days are over, says Boston-based Forrester Research Inc. A new ranking by Forrester that compared 15 top global banks in terms of mobile functionality puts Royal Bank of Canada at the number-five position, tied with Citibank. The list, which includes lenders from across North America, Europe, the U. K and Australia, is headed up by Chase Bank, followed by La Caixa of Spain in second position, then Bank of America and Wells Fargo. The only other Canadian institution big enough to join the list was TD Canada Trust at number 14, ahead of last place HSBC. Mobile banking functionality is considered a key differentiator in financial services and one that can only grow in importance as more and more consumers look to transact business on their smartphones. According to Forrester, the mobile space represents a major opportunity for the industry in a host of areas, from attracting new customers and boosting fees, to the cross-selling of products to existing customers. Lenders were ranked according to a range of mobile capabilities, including customers’ ability to check account balances, transfer money, pay bills and send money to other people. Both RBC and TD Canada trust performed particularly well on the last, Forrester said. Banks in many countries including Canada have been reluctant to move too quickly in adopting mobile banking because of concerns around hacking and fraud. But with advances in technology many of those challenges have been addressed. Meanwhile, consumer demand has surged with the proliferation of ever more powerful smartphones, pushing banks and other financial institutions to move ahead in the space, if only to hold onto their marketshare. Postmedia is committed to maintaining a lively but civil forum for discussion and encourage all readers to share their views on our articles. Comments may take up to an hour for moderation before appearing on the site. We ask you to keep your comments relevant and respectful. We have enabled email notifications—you will now receive an email if you receive a reply to your comment, there is an update to a comment thread you follow or if a user you follow comments. Visit our community guidelines for more information and details on how to adjust your email settings.


A Royal Bank Certificate of Deposit (CD) is a federally insured option for investing money in a product that offers fixed rates, variable term options and is eligible for FDIC insurance coverage up to the legal limit. CDs tend to offer higher interest rates than traditional savings accounts. Contact your local branch today to obtain current rate information. Please visit our Rate page to view our current rates and any specials we may have at this time. Rate Information - You will be paid the disclosed rate until first maturity. Compounding frequency - Interest will not be compounded. Crediting frequency - Interest will be credited to your account at maturity. Effect of closing an account - If you close your account before interest is credited; you will not receive the accrued interest. Minimum balance to open the account - You must deposit $1,000.00 ($100.00 for an IRA CD) to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 ($100.00 for an IRA CD) in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity. You cannot withdraw interest from your account before maturity. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal 90 days interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have seven calendar days after maturity to withdraw the funds without a penalty. Rate Information - You will be paid the disclosed rate until first maturity. Compounding frequency - Interest will be compounded to your account every quarter. Crediting frequency - Interest will be credited to your account every quarter. Minimum balance to open the account - You must deposit $1,000.00 ($100.00 for an IRA CD) to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $1,000.00 ($100.00 for an IRA CD) in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You may not make any deposits into your account before maturity. You may not make withdrawals of principal from your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest only on the crediting dates. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The fee we may impose will equal 180 days interest on the amount withdrawn subject to penalty. In certain circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if the account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have seven calendar days after maturity to withdraw the funds without a penalty. Royal bank interest rates rbc joseph renaud Annual Equivalent Rate AER this is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts. Gross rate This means the interest rate you are paid without the deduction of UK income tax. The following non-registered GIC rates are current for 18 February 2020. View GIC Rates for registered investments. With Guaranteed-Return GICs, your interest rate is guaranteed, so you don't need to worry about changes in the markets or economy. Interest rates are subject to change without notice at any time. A Term Deposit is a secure investment that guarantees to preserve your principal and your investment earns interest at a fixed rate. Features & Benefits Security and safety—both your original investment and interest payments are guaranteed. Competitive interest rates—guaranteed for the full term of the investment. Privacy Notice: We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device. You can find out more and set your own preferences here. Throughout this page, you'll see various terms being used. Here's what they mean: Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts. Your charging period runs from month to month, usually from the date you opened your account. For example, if you opened your account on 15 August, your charging period will run from the 15th of each month to the 14th of the next month. (a) Basic Account, Foundation, Tailored Account, Select Account, Reward, Select Silver Account, Reward Silver, Select Platinum Account, Reward Platinum, Black Account, Reward Black, Student Royalties Account and Graduate Royalties Account If you have a Tailored account, you may have been informed that you pay arranged overdraft interest at a rate other than the rate shown above. You can find out your charging period by contacting us. This is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often arranged overdraft interest is charged to the account. All Student account arranged overdrafts are interest free. All other charges, such as arranged and unarranged overdraft usage fees, must be shown separately from the EAR. This means the interest rate you are paid without the deduction of income tax. The rate charged excluding compounding of arranged overdraft interest and other charges associated with a borrowing e.g. Graduate arranged overdrafts are interest free if the overdraft limit does not exceed the thresholds set out below. If an overdraft is arranged with a limit which exceeds those thresholds, you will pay arranged overdraft interest on the amount of the overdrawn balance that exceeds the relevant threshold at a rate of 2.81% per month, which is equivalent to 39.49% EAR. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Assumed credit limit: £1,200 The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days. Representative Example: Effective Annual Rate: 19.49% EAR (variable). Assumed credit limit: £1,200 The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days. If you need to understand the cost of an overdraft of more or less than £500 over different periods of time you can use our handy Overdraft Cost Calculator. Unarranged Overdraft If you go into an Unarranged Overdraft, we’ll charge you interest on the amount you go overdrawn. This interest charge can vary by type of current account. You can use our handy Overdraft Cost Calculator which can give you an idea of the cost of using an unarranged overdraft. Monthly cap on unarranged overdraft charges Each current account has a maximum monthly charge for going into an Unarranged Overdraft or going over your Arranged Overdraft limit, which is £20. Unpaid transaction fee is £2.75, with a maximum of 1 per charging period. We will charge a Non-Sterling Transaction Fee of 2.75% of the value of the transaction. If you elect for the transaction to be converted into Sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee. Customers are charged a 2.75% Non-Sterling Transaction Fee of the value of the transaction. Customers with Black, Reward Platinum, Reward Black, Reward Silver accounts do not pay any Non-Sterling Transaction Fees. Any transaction made in a foreign currency using your Debit card is converted by us into Sterling using the Visa Payment Scheme Exchange Rate. To see the up-to-date rates used for Debit cards visit click on the Cardholders section. In most cases, you can withdraw funds up to your ATM daily withdrawal limit, provided there are sufficient funds in your account. Within Europe some cash dispenser networks have imposed a maximum value per transaction of €150 (equivalent to around £135). To withdraw more than this you will have to carry out more than one transaction. There is a daily limit for cash withdrawals using a Visa Debit card in any other bank, travel agent, bureau de change or other outlet displaying the Visa logo. Details of the limit are available on request from your branch. Charge for court orders/legal processes served on the Bank brought on by a 3rd party against a customer (Scotland only). For example, when a court order brought about by a third party against you, forces us to freeze your account. Annual Holding Charges are applied in arrears so any withdrawal made prior to the anniversary of the deposit will incur a pro-rated amount of the annual charge. In addition, a £10 fee will be charged for initial deposits and any re deposits following item inspection or temporary release. Please note that we do not accept new items into Safe Custody. Items already held by us in Safe Custody will continue to be held. Your eligible deposits with Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with the following: The Royal Bank of Scotland, Direct Line, the One Account, Child & Co, Drummonds and Holt's. Any total deposits you hold above the £85,000 limit between these brands are unlikely to be covered. Please click here for further information or visit