GoSmart - Commission-Free Investing

Smart Investing
No hassles. No hidden fees.

Introducing GoSmart by RBC Direct Investing, an easy-to-use,
commission-free way to get your money working harder for you.

Start investing. Get the RBC Mobile app.

Your idea of smart investing happens here

Trade for Free

Unlimited commission-free trades on select ETFs.

No maintenance fees, open as many accounts as you want.

Commission-free trades on Canadian and U.S. Stocks and ETFs.

Easy to set up.
Ready to grow.

Start investing for your future right away.

Automate
your investing.

Easily create a recurring investment into an all-in-one ETF. Set it once, let it grow.

All you need in one bundle.

You can choose one of four all-in-one ETFs. All the heavy lifting is done for you. Or, go your own way and buy what you love.

Contribute when and how you want.

Choose how much and when to invest. The money will automatically move from your RBC bank account.

Let smart growth happen.

Compound earning is the secret – and GoSmart does it for you. Your cash gets reinvested automatically, so your money keeps working for you.

Save tax now
and in the future.

Make the most of built-in tax benefits. Open as many accounts as you need and never pay account fees.

Keep the growth, skip the tax with a TFSA.

With a Tax-free Savings Account (TFSA), everything you earn on your investment stays in your pocket, tax-free. Ideal for saving for a large purchase or a rainy day.

Own your first home sooner with an FHSA.

With tax deductions on what you contribute, and tax-free growth on what you earn, a First Home Savings Account (FHSA) can get you closer to your dream home.

Pay less tax today and save for your future with an RRSP.

Every dollar you put into a Registered Retirement Savings Plan (RRSP) lowers your taxes today and grows tax-free until retirement.

Invest on
your terms.

Everything you need to invest confidently at your fingertips.

3 easy steps to
get started.

Sign up fast.

GoSmart is currently just for RBC clients using the RBC Mobile app. Sign in to get started. Not a client yet? Explore more Explore more.

Invest your way.

Choose one of four all-in-one ETFs, or buy the stocks and ETFs you love commission-free. You can automate your investing with recurring contributions.

Track, adjust and trade.

Follow your investments, check in on the market and adjust – all from your GoSmart dashboard in the RBC Mobile app.

Start investing Start investing

RBC Direct Investing

Helping Canadians grow their money.

1.3M+

RBC Direct Investing clients

$220B+

Assets under administration

Our clients have grown their assets an average of 6x in the last 25 years^{legal disclaimer *}

Ready to GoSmart?

Start investing

Get the RBC Mobile app.

Not a client yet? Explore more Explore more.

Ready to GoSmart?

Start Investing

New to investing?

Learn the basics with Investing Academy.

See how GoSmart compares to a full-suite RBC Direct Investing account.

FAQs

Is GoSmart right for me?

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.

How is a GoSmart account different from a full-suite RBC 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.

What are the benefits of a GoSmart account?

Streamlined experience with investing exclusively in registered accounts:
Buy, hold, and sell Canadian and U.S. listed equities and ETFs
Commission-free trading:
- 50 free trades per year on Canadian or U.S. equities and ETFs^{legal disclaimer 1}
- Uncapped commission-free trading on select ETFs^{legal disclaimer 2}
You can choose to set up a recurring investment on one of four all-in-one ETFs. Change your recurring investment at any time. This will not count towards your 50 free trades.

What are the limitations of GoSmart?

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 3}
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.

How much money do I need to start?

There is no minimum. Opening a GoSmart account, or a full-suite RBC Direct Investing account is free.

What types of GoSmart accounts are available, and what investment products can I hold in a GoSmart account?

You can have as many registered accounts (RRSP, TFSA, FHSA) as you want. You can hold Canadian/U.S. ETFs and stocks in a GoSmart account.

What does it really cost to trade with a GoSmart account?

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.

What if I'm not an RBC client?

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

Can I open more than one type of GoSmart account?

You can have multiple accounts. Invest for your retirement in a Registered Retirement Savings Plan (RRSP), your first home in a First Home Savings Account (FHSA), and anything you want in a Tax-Free Savings Account (TFSA).

Can I talk to anyone about opening a GoSmart account?

You can call, email, visit a branch or one of our Investor Centres. Learn more.

Legal Disclaimer footnote *

6X The growth of our average client's average assets in the last 25 years. Figures based on internal RBC Direct Investing data as of October 31, 2025.

Legal Disclaimer footnote 1

The standard commission fee will be waived for the first 50 trades you place in stocks and ETFs in GoSmart Accounts each year. If you place more than 50 trades in a year, combined across all GoSmart Accounts you hold, the standard commission fee will apply to those trades. Capped Commission-Free Trading applies per client, not account, and resets to zero (0) at the start of each calendar year. Any unused Capped Commission-Free Trades will expire on the last day of the calendar year, and will not carry over to the following year. Orders placed, but not filled, do not count towards your first 50 trades.

Legal Disclaimer footnote 2

The commission fee detailed in the Commission and Fee Schedule as applicable to Stocks and ETFs will be waived for ETFs listed as eligible for commission free trading at the time an order is placed. The list of ETFs eligible for commission-free trading is not guaranteed and may change from time to time. The standard commission fee may be applied to ETFs not listed as eligible for commission-free trading at the time an order is placed. The inclusion or exclusion of any ETF under commission-free trading does not constitute a recommendation by RBC Direct Investing to purchase or sell such securities. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions.

Legal Disclaimer footnote 3

If you place a trade in a U.S. denominated security, or receive an entitlement (e.g., a dividend) from an issuer of an U.S. denominated security, a foreign exchange transaction will occur and foreign exchange fees will apply. This means that the Canadian dollars you hold in your account will be converted to U.S. dollars or the U.S. dollars you receive will be converted to Canadian dollars to be held in your GoSmart account. This conversion occurs at the prevailing Foreign Currency Conversion Rate. The Foreign Currency Conversion Rate that appears on your trade confirmation and account statement includes the spread that RBC Direct Investing (or our affiliates) earn for performing foreign currency transactions for you. The spread is the difference between the rate we (or our affiliates) obtain and the rate you receive. The Foreign Currency Conversion Rate and the spread will depend on a number of factors, including market terms and conditions as well as the amount, date and type of foreign currency transaction. Foreign exchange rates and the spread is subject to change without notice. Please refer to RBC Direct Investing Commission and Fee Schedule for more information.

Smart Investing
No hassles. No hidden fees.

Trade for Free

Easy to set up.
Ready to grow.