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Accounts and Investments That Give You the Flexibility To Achieve Your Goals

Invest towards your first home, the kids' education fund, retirement and more with all the accounts and investments you could ever need.

Self-Directed Accounts

Investment Products

The Freedom to Trade Your Way

Use all three platforms at no extra cost, and get human support if you need help getting started.

Monitor your investments and take action with the RBC MobileLegal Disclaimer footnote 6 app—at the gym or on the roadLegal Disclaimer footnote 5.

Get real-time streaming quotes, event-driven insights and more on a robust online investing platform.

Go deep with detailed metrics and advanced charting tools in the fully customizable Trading Dashboard.

Explore the Trading Platforms, Tools & Research

Make Every Dollar Count

$0

View all pricing or see how you can use your Avion points to pay for tradesLegal Disclaimer footnote 9.

Get up to $10,000 in travel valuelegal disclaimer †

Invest $5,000 or more and get up to 500,000 Avion points to use toward shopping, travelling, investing and more.

Already a client?
Get the app now: Get the app now:
Get the RBC Mobile app in the App Store (opens in a new window) Get the RBC Mobile app on Google Play (opens in a new window)
RBC digital banking security guarantee

You're Protected. Get 100% reimbursement for any unauthorized transactions conducted through the Online Investing platform or the RBC MobileLegal Disclaimer footnote 6 app.

See the Guarantee

Self-Directed Investing and Trading FAQs

To participate in this offerlegal disclaimer *, you must:
  • Not currently hold one of the as of December 1, 2025 (previous eligible accounts that were closed prior to the start of the qualifying period do not impact your eligibility)
  • Open one or more eligible account(s) between December 1, 2025 and March 31, 2026
  • Be a Canadian resident and at least the age of majority in your province/territory when you open your eligible account(s)
  • Join Avion Rewards by May 29, 2026 (if you're not already a member). It's free and easy to join.
No, you are not required to have a personal RBC bank account to receive this offer.legal disclaimer *
If you have met all the qualifying conditions of the offerlegal disclaimer *, we’ll deposit your Avion points into your Avion Rewards account in four payments. Each payment will be made within eight weeks after:
  • May 31, 2026
  • August 31, 2026
  • November 30, 2026
  • February 28, 2027
You’ll get 12,500 Avion points, plus 1 Avion point for every $2 dollars invested—up to 500,000 Avion points!
Qualifying Net Contributions (CAD): Avion points you will receive: Equivalent Value (CAD):
$5,000 (minimum) 15,000 $350 (round-trip flight for a quick getaway)
$45,000 35,000 $750 (round-trip flight to explore North America)
$105,000 65,000 $1,300 (round-trip flight to visit Europe)
$975,000 500,000 $10,000 (5 round-trip flights to see the world)
You can also redeem points for hotels, car rentals, gift cards, merchandise, cash contributions to an RBC Direct Investing account, to pay for trade commissionslegal disclaimer 9 and more!

You must be a member of the Avion Rewards program (Avion Elite or Avion Premium membership level) before May 29, 2026 to receive the Avion points. It’s free and easy to join.

To learn more about Avion Rewards and the value of your points, visit the Avion Rewards site.
We will reimburse up to C$200 in transfer feeslegal disclaimer 21 when you transfer C$15,000 or more to RBC Direct Investing. ($500 in fees reimbursed for Royal Circle and Royal Distinction members.legal disclaimer 22)
Yes, your contributions may be spread across and/or to meet the qualifying criteria for this offer.legal disclaimer †

In general, you can:
  • Make a single contribution of at least $5,000, or
  • Set up and process pre-authorized contributions (PACs) of $500+ per month, or
  • Make single contributions and PACs that equal at least $5,000 annualized (For example, a contribution of $2,000 and PACs of $250 per month for 12 months.)
For example, if you open an eligible account through RBC Royal Bank (an RBC TFSA or RRSP, for instance), you may contribute $2,500 into savings deposits and $2,500 into a 2-year term GIC, and your total of these investments would meet the qualifying criteria.

Alternatively, you can also set up pre-authorized contributions in RBC mutual funds (distributed by Royal Mutual Funds Inc.).

If you open an eligible account through RBC Direct Investing (an RBC Direct Investing TFSA or RRSP, for instance), you can make cash deposits and purchase securities listed on a U.S. or Canadian exchange, including:
  • Stocks and Options
  • Exchange-Traded Funds (ETFs)
  • Mutual Funds
  • Guaranteed Investment Certificates (GICs)
  • Bonds
  • And more …
To check if you’re already an Avion Rewards member, go to www.avionrewards.com or download the Avion Rewards app and sign in with your RBC Online Banking account.
  • If you are already a member, you’ll be directed to your home page to see your points balance.
  • If you are not already a member, your sign in attempt will activate your account.
To qualify for this offerlegal disclaimer †, you must be an Avion Rewards member (at the Avion Elite or Avion Premium membership level before May 29, 2026). To ensure you’re an Avion Rewards member at the Avion Elite or Avion Premium membership level:
  • Become an RBC client by opening an eligible product.
  • Sign in to Avion Rewards using your RBC Online Banking login to activate your membership. (You can become a Premium or Elite member depending on what account or card you have.)

It's easy. Visit 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.

Choose from Canadian and U.S. stocks, common and preferred shares, new issues, options, rights and warrants, mutual funds, exchange-traded funds (ETFs) and fixed-income investments such as T-bills, bonds and GICs.

View Investment Products

For details on pricing, please view the complete Commissions and Fees Schedule.

  • Commission-free trading: Save the commission on all mutual fundsLegal 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 9
  • 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 10 ($500 in fees reimbursed for Royal Circle and Royal Distinction members.Legal Disclaimer footnote 11 )

See the Commissions and Fees Schedule.

RBC Direct Investing Inc. and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. is a wholly owned subsidiary of Royal Bank of Canada and is a Member of the Canadian Investment Regulatory Organization and the Canadian Investor Protection Fund. Royal Bank of Canada and certain of its issuers are related to RBC Direct Investing Inc. Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC Direct Investing Inc., including without limitation: Royal Bank of Canada, Royal Mutual Funds Inc., RBC InvestEase Inc., RBC Dominion Securities Inc., and RBC Global Asset Management Inc. 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. RBC Direct Investing is a business name used by RBC Direct Investing Inc.
Screenshots are for illustration purposes only.
There may be commissions, trailing commissions, investment fund management fees and expenses associated with investment fund and exchange-traded fund (ETF) investments. RBC Direct Investing Inc. does not offer mutual funds that pay trailing commissions in accordance with rule changes banning such payments to order execution only dealers effective June 1, 2022. To the extent that mutual funds paying trailing commissions are transferred into RBC Direct Investing Inc. or were held at RBC Direct Investing Inc. prior to June 1, 2022, and cannot be switched into an equivalent non-trailer paying fund, any trailing commissions paid to RBC Direct Investing Inc. will be rebated to clients. Before investing, please review the applicable fees, expenses and charges relating to the fund as disclosed in the prospectus, fund facts or ETF facts for the fund. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.