A new, smarter way to invest.

A GoSmart account is designed for beginning investors who are comfortable making their own investment decisions using the RBC Mobile App. Our aim is to simplify the process of ‘how to invest’ and provide commission-free trading in registered accounts.

It's easy. Visit Open an Account to get started. In many cases, your application will be approved in as little as 24 hours.

If you don't have an account with us yet, the easiest way to transfer an account from another institution is when you open your account online. If you're an existing client, you can 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.

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

• Commission-free trading: Save the commission on all mutual funds^{Legal Disclaimer footnote 2} and a selection of over 50 exchange-traded funds (ETFs)^{Legal Disclaimer footnote 1}.
• Pay $0 maintenance fees: Some brokerages charge an account maintenance fee unless you meet certain conditions. At RBC Direct Investing, there’s no maintenance fee, no matter how much you invest—or the type of account you hold.
• Use your Avion Points to pay trade commissions: If you’re an Avion Rewards member and you have an eligible RBC Direct Investing account, you can use your Avion points to pay for online and mobile trade commissions—or to make cash contributions to your account.^{Legal Disclaimer footnote 3}
• Transfer fees: Transferring from another brokerage? Move $15,000 or more and we'll reimburse you up to $200 for fees they charge.^{Legal Disclaimer footnote 4} ($500 in fees reimbursed for Royal Circle and Royal Distinction members.^{Legal Disclaimer footnote 5} )

See the Commissions and Fees Schedule.

GoSmart is currently just for RBC clients using the RBC Mobile app. Not a client of RBC yet? Explore more.

You do not need to be an RBC client to open a full-suite Direct Investing account.

GoSmart is a streamlined investing platform that only offers registered accounts in Canadian currency. A full-suite RBC Direct Investing account offers a wider range of investment products, both registered and non-registered accounts, multiple currencies, expanded tools and research geared towards established investors. Learn more.

You can trade for $0. You get unlimited trades on more than 50 select ETFs, plus 50 commission-free trades per year on Canadian and U.S. stocks and ETFs. After that, you pay $9.95 per trade. The RBC Direct Investing Commission and Fees schedule applies to a GoSmart account. Please visit www.rbcdirectinvesting.com/pricing for more information.

You can open as many registered accounts (RRSP, TFSA, FHSA) as you want. You can trade (buy or sell) U.S. and Canadian stocks and ETFs in your GoSmart account – as long as they are qualified investments.

Choose from stocks, ETFs, GICs, bonds, mutual funds and more when you open a full-suite RBC Direct Investing account.

Note: At this time, certain GICs cannot be purchased, sold or transferred into your FHSA.

• Canadian dollar only. You can trade and hold U.S. listed equities and ETFs but you cannot hold U.S. dollars. If you place a trade for a U.S. denominated security the current foreign exchange conversion rate will be applied.^{legal disclaimer 6}
• These investment products and features are not available in a GoSmart account:
  • Mutual Funds
  • Fixed Income
  • Foreign Securities (securities listed outside of Canada and the United States)
  • Options
  • Margin

  Access to the above is available through a full-suite RBC Direct Investing account.

• No transfers-in-kind: you cannot transfer securities to this account; you can transfer cash and securities out.

No, GoSmart accounts are not eligible for the offer.