RBC Direct Investing says its GoSmart $100 offer is available to a Canadian resident who has reached the age of majority and opens their first GoSmart account through the offer's QR code or promotional link from August 4 through November 2, 2026.
The client must contribute at least $2,000 to the new GoSmart account or accounts by February 2, 2027. RBC says the $100 reward will be paid to the first GoSmart account within seven days after all qualification requirements are met. Only one reward is available per client, and it cannot be transferred or applied retroactively.
GoSmart is limited to Canadian-dollar TFSAs, RRSPs and FHSAs for RBC clients using the RBC Mobile app. The funding must be cash because GoSmart does not accept in-kind transfers of securities. These product limits are material to the offer even though they appear on the GoSmart product page rather than in the short offer terms.
RBC states that this GoSmart offer may be combined with other RBC Direct Investing promotions; the separate Summer-Fall 2026 Cash Offer also expressly permits combination with the GoSmart $100 offer. Contribution room, account charges and any tax consequences remain the client's responsibility.