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RBC Mobile

Royal Bank of Canada - NEW! RBC Direct Investing Tab.
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COVID-19 – We're committed to supporting your investment needs. Read More How
RBC Direct Investing is helping clients.
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INVEST... YOUR WAY

Access a trusted platform with the information and tools you need to invest with
confidence.

Start Trading Today


THE INFORMATION YOU NEED TO TRADE WITHOUT COMPROMISE

 * Free Real-Time StreamingLegal Disclaimer 1 Quotes to Help You Invest in the
   Moment
   
   Get free real-time streaming quotes for stocks and ETFs. Plus, get an extra
   line of sight with Level 2Legal Disclaimer 2 quotes—so you never miss an
   opportunity.

 * Stay in Touch With the Markets
   
   Keep track of your securities with the convenience of watchlists, stay on top
   of market commentary and get alerts delivered to your inbox.

 * Three Powerful Trading Platforms - Choose What Suits Your Needs
   
   Use comprehensive tools and market research on our secure online investing
   site; drill down on quotes and take action in real-time through the trading
   dashboard; monitor your investments and make trades on the go using the RBC
   MobileLegal Disclaimer 3 app.

    

   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.


ACCOUNTS AND INVESTMENT CHOICES TO FIT YOUR NEEDS

We offer a variety of account types and investment choices to help you create a
portfolio that's right for you, including:

 * First Home Savings Account (FHSA)
   NEW
 * Tax-Free Savings Account (TFSA)
 * Registered Retirement Savings Plan (RRSP)
 * Cash Account

 * Stocks
 * Exchange-Traded Funds (ETFs)
 * Mutual Funds
 * Fixed Income Securities

See What We Have to Offer


EXPLORE INVESTING IDEAS AND STAY INFORMED


LOOK AHEAD AT YOUR DIVIDEND AND INTEREST INCOME

Are you an income investor? Now you can view your projected annual dividend and
interest income by account. The Income Projection Tool provides a 12-month “look
ahead”; it lets you pull up your monthly average investment income; and you can
use it to see at-a-glance whether your income stream is diversified. Log in and
find it in ‘Portfolio Insights’ under the Monitor menu.

Learn More


VIEW THE LATEST MARKET RESEARCH AND ANALYSIS

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 about real time decisions


TEST YOUR INVESTING IDEAS WITH A FREE PRACTICE ACCOUNT

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 about practice accounts


ACCESS INSIGHTS AND INSPIRATION FROM INVESTORS LIKE YOU

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.
Visit rbc.com/inspiredinvestor to see what's new, and sign up for our
newsletter.

Learn More about Inspired Investor


START INVESTING YOUR WAY TODAY

Complete your application online in just minutes and your account can be opened
within 24 hours.Legal Disclaimer 5

Get Started


MORE REASONS TO INVEST WITH US


NO-SURPRISE PRICING

Pay just $9.95 commission per trade with no minimum account balance or trading
activity required.Legal Disclaimer 6


CONVENIENTLY INVEST USING AVION POINTS

Use your Avion Rewards for trade commissions or turn them into cash
contributions


NO TRANSFER FEES

We'll cover up to $200 of your fees when you transfer $15,000 or more.Legal
Disclaimer 7


FREQUENTLY ASKED QUESTIONS

 * Opening an Account
 * Trading
 * Managing Your Account

How do I open an account?

It's easy. Visit our Open an Account page to get started. 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. In many cases, your application will be approved in as
little as 24 hours. You'll receive an email when your account is opened.

How do I transfer my account from another institution?

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
1–800–769–2560 with any questions.

For details, see Transfer from Another Brokerage or visit an Investor Centre.

What kinds of investments can I buy and sell in an account?

Choose from Canadian and U.S. 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

How do I read a stock quote?

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-timeLegal Disclaimer 9 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

How do I place an order?

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.

Why buy stocks?

Stocks offer a variety of benefits for those who are comfortable with price
fluctuations, like:

 * Potential for superior long-term returns compared to cash and fixed-income
   investments
 * Possibility to earn dividends and capital gains

Learn more about stocks

Why invest in ETFs?

Exchange-traded funds (ETFs) offer a number of benefits, for those who are
comfortable with price fluctuations, including:

 * Most ETFs have low fees, making them a cost-effective way to diversify a
   portfolio
 * ETFs can give you access to a wide variety of sectors and indices, helping
   you achieve diversification
 * ETFs offer the same liquidity (ability to easily buy and sell) as other
   securities that trade on major exchanges

Learn more about ETFs

Why invest in mutual funds?

If you're thinking about investing in mutual funds, here are a few advantages to
consider:

 * Built-in diversification:  When you purchase a mutual fund, you're investing
   in a diversified portfolio of investments that can include stocks, bonds and
   cash. Diversification can reduce risk by spreading assets among various asset
   classes, geographic regions or industrial sectors.
 * Professional management: Actively managed mutual funds allow you to take
   advantage of professional investment management. The cost of the portfolio
   manager's expertise, called a Management Expense Ratio or MER, is shared by
   all the fund's investors.
 * No switch fees: You can usually switch between mutual funds without paying
   transaction feesLegal Disclaimer 10 as long as the funds are part of the same
   fund family, meaning they're offered by the same company.

Learn more about mutual funds

Why invest in fixed-income?

Fixed-income investments can be useful in your portfolio for a number of
reasons:

 * Income: Most fixed-income investments pay income in the form of interest,
   which can be a source of regular and predictable income.
 * Security: Although any bond can decline in value, typically you will receive
   full repayment of your initial investment, plus interest, if you hold
   high-quality bonds to maturity.
 * Variety: Choose from a variety of bonds (government and corporate bonds,
   strip bonds, real return bonds, step-up bonds, Eurobonds and more), treasury
   bills, guaranteed investment certificates (GICs) and more.
 * Accessibility: Most bonds can be purchased online as easily as stocks, and
   are included in many mutual funds and exchange-traded funds.

Learn more about fixed-income investments

How much does it cost to invest?

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:

 * For stock and ETF orders placed using our online investing site or the RBC
   Mobile app, all clients enjoy a low commission of $9.95 flat per trade with
   no minimum account balance or trading activity required. If you trade 150
   times or more per quarter, you pay only $6.95 flat CDN or US per equity
   trade.
 * Pay $6.95 or $9.95 CDN or US per options trade, depending on your
   qualifications above plus $1.25 per contract.

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.

What are some ways I can save on fees?

Enjoy no maintenance feeLegal Disclaimer 11 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 PlanLegal Disclaimer 12 of at least $100 per month
($300 per quarter).

See our Pricing page for more ways to save on fees with us.

Can I sell a GIC before its maturity date?

While many GICs cannot be sold prior to maturity, RBC Direct Investing offers
cashable GICs that can be redeemed after 30 days.

Learn more about GICs

What are the commissions on bonds and GICs?

The commission for GICs is included in the quoted price.Legal Disclaimer 13 For
T-bills, Bonds, Debentures and Money Market Instruments, a commission of $25 -
$250 per transaction is included in quoted price.

See More FAQs


"HOW DO I FIND THE LATEST MARKET DATA?"

RBC Direct Investing clients can access real-time quotes7 on any of our three
platforms – desktop, mobile app, and Trading Dashboard. Simply log-in to search
for a quote or check your Watchlist!

Sign-in to Your Watchlist Here

Not yet a client? Check out our practice account

View Legal DisclaimersHide Legal Disclaimers

The Avion Rewards program is offered by Royal Bank of Canada and is subject to
the Avion Rewards Terms & Conditions. You may only use your Avion points through
RBC DI to: (1) pay for trade commissions on your eligible RBC Direct Investing
accounts; or (2) transfer points for cash contributions to your eligible RBC
Direct Investing accounts. It is your responsibility to make sure you have
sufficient contribution room within your registered plan when redeeming points
for cash contributions to your registered accounts and/or when you use your
Avion 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, investment fund management fees
and expenses associated with investment fund and exchange-traded fund (ETF)
investments. On or after June 1, 2022, any trailing commissions paid to RBC
Direct Investing Inc. will be rebated to clients pursuant to applicable
regulatory exemptions. Before investing, please review the applicable fees,
expenses and charges relating to the fund as disclosed in the prospectus, fund
facts or ETF facts. Mutual funds and ETFs 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.

Legal Disclaimer 1)
Real-time streaming quotes are available automatically to all clients for
exchange listed stocks, 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.
Legal Disclaimer 2)
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.
Legal Disclaimer 3)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and
RBC Dominion Securities Inc.
Legal Disclaimer 4)
Subject to approval. Account applications received Monday through Friday prior
to 2:30 pm ET will generally be opened the next business day.
Legal Disclaimer 5)
All RBC Direct Investing clients pay $9.95 flat CDN or U.S. per equity trade
with no minimum account balance or trading activity required. $6.95 flat CDN or
U.S. per equity trade when you trade 150 times or more per quarter. 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. Additional terms and
conditions apply. Visit www.rbcdirectinvesting.com/lowtrades or
call 1-800-769-2560 for complete details.
Legal Disclaimer 6)
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 1 800-769-2560.
Legal Disclaimer 7)
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.
Legal Disclaimer 8)
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 www.rbcdirectinvesting.com/fees.
Legal Disclaimer 9)
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.
Legal Disclaimer 10)
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.
Legal Disclaimer 11)
Switch orders are only permitted within the same family of funds and load types.
Legal Disclaimer 12)
Mutual fund companies may assess additional fees — for example, deferred sales
charges on back-end load funds (purchased before June 1, 2022), early redemption
fees, setup fees and fees for insufficient funds for pre-authorized purchases.

Account Types

 * FHSA
 * TFSA
 * RRSP
 * Cash/Investment
 * View All account types

Pricing

 * Commissions
 * Fees
 * Rates

Investment Choices

 * Stocks
 * ETFs
 * Mutual Funds
 * Options
 * Fixed Income Securities

Magazine

 * Inspired Investor MagazineOpens in new window
 * Now & NoteworthyOpens in new window
 * Ideas & MotivationOpens in new window
 * Tech & CultureOpens in new window
 * Investing AcademyOpens in new window

Security & Privacy

 * Online Security Guarantee
 * Protecting Your Privacy

Help & Support

 * How-to Videos and Demos
 * Digital Demos
 * Free Educational Seminars
 * Forms
 * Top 10 FAQs
 * Contact Us

Download RBC Mobile App

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 * iPhone RBC app

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