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RBC Direct Investing > Account Types

Account Types

Take control of your investments with the right account

At RBC Direct Investing you can open a variety of registered and non-registered accounts. Whether you are investing to save for retirement, a down payment on your home, a major purchase, or actively managing an aggressive investment portfolio, we have the account you need to help you accomplish your savings goals.

 

Explore Your Investment Options

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You are on: Tax-Free Savings Account (TFSA)

With a TFSA, Canadians can save for both short- and long-term without incurring tax on investment income interest, dividends or capital gains.

Why choose an RBC Direct Investing TFSA?

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You are on: Investment Account - Cash

With a RBC Direct Investing investment account for your non-registered investing and trading needs, you can hold a diversified portfolio of investments in U.S. or Canadian dollars or both.

Why choose an RBC Direct Investing Investment Account?

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You are on: Investment Account - Margin

Once you qualify for a margin account, RBC Direct Investing will lend you a portion of the market value of your eligible securities – giving you access to funds that can be used for personal needs or other investments.

Why choose an RBC Direct Investing Margin Account?

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You are on: Registered Retirement Savings Plan (RRSP)

Save for retirement with an RRSP while taking advantage of tax benefits allowed by the government.

Why choose an RBC Direct Investing RRSP?

 

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You are on: Registered Education Savings Plan (RESP)

Save for a child's post-secondary education through access to a wide range of RESP-eligible investments.

Why choose an RBC Direct Investing RESP?

  • Choose from a wide range of investments including stocks, exchange traded funds (ETFs), guaranteed investment certificates (GICs), mutual funds, bonds and more without incurring tax on investment income
  • No commissions when you buy or sell mutual funds
  • Take advantage of trade commissions starting from as low as $6.95 - $9.95 flat
  • No maintenance fee when you hold combined assets of $15,000 or more across all of your RBC Direct Investing accounts
  • Access to grant and tax incentive programs from the federal and provincial government

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You are on: Registered Retirement Income Fund (RRIF)

Have a maturing RRSP? Make use of your retirement savings in a tax efficient manner by converted your RRSP into a RRIF.

Why choose an RBC Direct Investing RRIF?

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You are on: Non-Personal Accounts

From Corporate and Investment Club accounts to Partnership and Trust accounts, you can choose the type of account needed to manage your business's investments.

Why choose an RBC Direct Investing Non-Personal Account?

  • Choose from a wide range of investments products and services to help diversify your portfolio including stocks, exchange traded funds (ETFs), guaranteed investment certificates (GICs), mutual funds, options, bonds and more
  • No commissions when you buy or sell mutual funds
  • Take advantage of trade commissions starting from as low as $6.95 - $9.95 flat
  • No maintenance fee when you hold combined assets of $15,000 or more across all of your non-personal RBC Direct Investing accounts

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Open an account. Make the right move and start enjoying the speed, security and reliability of RBC Direct Investing.

 

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Need to Transfer your Account to RBC Direct Investing?

Use our convenient online form to transfer an investment or registered account from another financial institution to RBC Direct Investing.

 
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Apply for Margin:

Download a Margin Agreement Form and an Update/Change of Client Information Form. Once you have completed and signed both forms, simply drop them off at any RBC Royal Bank branch or mail them to RBC Direct Investing. Please note: A Margin Account works in conjunction with a RBC Direct Investing Cash Account. If you currently do not have a RBC Direct Investing Cash Account please complete an Investment Account Application. Due to regulatory policy, RBC Direct Investing does not open accounts for non-residents of Canada.

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