RBC Direct Investing describes a Summer-Fall 2026 Cash Offer for Canadian residents who have reached the age of majority and have not held an RBC Direct Investing account, other than GoSmart, during the two years before the offer period. A new client must use a promotional link to open eligible accounts from July 31 through November 2, 2026.
Eligible accounts are individual or joint cash and margin accounts, TFSAs, RRSPs, FHSAs, LIRAs, RESPs, RIFs, spousal RRSPs, group RSPs and LIFs. GoSmart and collateral-pledge accounts are excluded. For a joint account, the primary applicant must meet the new-client test; only one holder can participate, and payment to the account settles RBC's obligation without allocating the reward between holders.
At least $2,500 in cash or eligible securities must be transferred or deposited by November 30, 2026. Transfers from RBC-affiliated financial institutions do not qualify, except transfers from RBC personal banking accounts. Options, restricted or cease-traded securities, and securities not listed on a recognized Canadian or U.S. market do not qualify. Registered accounts receive 3% and non-registered cash or margin accounts receive 1%, up to a combined maximum of $15,000.
Net transferred assets are reduced by withdrawals, deregistrations and transfers out through November 30, 2028. A balance below $2,500 during the hold ends further eligibility, while market fluctuations do not change the original transferred value. The first payment is 50% of the reward based on assets held through November 30, 2027 and is due by December 31, 2027. The remainder is recalculated after the November 30, 2028 hold and is due by December 31, 2028.
Only one reward is available per client, and accounts must remain open, funded and in good standing through the second payment. RBC expressly allows this offer to be combined with the GoSmart $100 offer. The reward may have tax consequences, and registered-plan contribution limits remain the client's responsibility.