Yes, you can open most RBC accounts online, but the process depends on which account type you want

RBC lets you open a chequing account, savings account, or TFSA (Tax-Free Savings Account) entirely online through their website or mobile app. You do not need to visit a branch. The whole process usually takes 10 to 15 minutes, and you can start using your account the same day for most transactions—though some features like cheque writing or transfers to other banks may take 24 to 48 hours to activate.

The catch: you must be a Canadian resident, at least 18 years old, and have a valid government-issued ID and a Social Insurance Number (SIN). If you do not have these, you will need to open an account in person at a branch instead.

Key Takeaways

  • RBC chequing and savings accounts can be opened online in 10 to 15 minutes using your SIN and a valid ID.
  • Your account is active immediately for most transactions, but transfers to other banks and cheque writing may take 24 to 48 hours to work.
  • You must be a Canadian resident, at least 18 years old, and have a government-issued ID to open an account online.
  • If you do not have a SIN or valid ID, you must visit an RBC branch in person to open an account.
  • RBC charges monthly fees for most accounts unless you meet minimum balance or deposit requirements—check the fee schedule before you finish signing up.

What you need before you start

Gather these items before you begin the online application. You will need your Social Insurance Number, a valid government-issued photo ID (driver's license, passport, or provincial ID card), your date of birth, and your current address. RBC will also ask for your phone number and email address.

If you are opening an account as a non-resident or do not have a SIN, you cannot complete the process online. You will need to visit a branch with your documents in person. RBC staff can then open the account and help you set up online banking access.

The step-by-step process on RBC's website or app

Go to rbc.com and click "Open an Account" or use the RBC Mobile app. Select the account type you want—chequing, savings, or TFSA. RBC will ask you to enter your personal information: full name, date of birth, SIN, phone number, email, and current address. Answer their questions about your employment status and annual income (this is for regulatory purposes, not a credit check).

Next, you will verify your identity. RBC uses knowledge-based authentication, which means they ask you questions based on your credit file—things like "Which of these addresses have you lived at?" or "Which of these credit products do you have?" Answer correctly and you move forward. If you cannot answer enough questions correctly, RBC will ask you to verify your identity in person at a branch or by video call.

Once verified, you choose your account settings: PIN, online banking password, and whether you want a debit card. You will also see the monthly fee for the account you chose and any ways to waive it (like maintaining a minimum balance or setting up direct deposits). Review the terms and sign electronically. Your account opens immediately.

When your account is ready to use

Your account number and transit number appear on screen as soon as you finish signing up. You can use these right away to set up direct deposit from your employer or to receive money from other people. You can also log into RBC Online Banking or the mobile app immediately to check your balance and see transactions.

However, some features take longer. If you ordered a debit card, it will arrive by mail in 5 to 10 business days. If you requested cheques, they take 7 to 10 business days. Transfers you send to other banks may not process for 24 to 48 hours, even though you can initiate them right away. Money coming into your account from other banks usually arrives within one business day.

Monthly fees and how to avoid them

RBC chequing accounts have monthly fees that vary by account type. A basic chequing account costs around $15 per month, but you can waive the fee by maintaining a minimum daily balance (often $1,500 to $3,000, depending on the account) or by setting up a direct deposit of at least $2,000 per month. Savings accounts typically have lower fees or no monthly fee at all.

Before you finish your online application, RBC shows you the fee structure for the account you chose and lists the ways to avoid paying. If the fee does not work for you, you can go back and select a different account type. Some people open a savings account first (which often has no fee) and add a chequing account later once they know their income pattern.

What happens if the online process fails

If RBC cannot verify your identity through their knowledge-based questions, they will tell you during the application. You have two options: complete the verification by video call (usually available the same day or next business day) or visit a branch in person with your ID and SIN. Video verification takes about 10 minutes and happens through the RBC app or website.

If you do not have a SIN or are not a Canadian resident, you cannot use the online process at all. You must go to an RBC branch with your documents. Bring your passport or travel documents, proof of address (utility bill or lease), and any ID from your home country. A staff member will help you open the account and set up online banking.

After your account is open: next steps

Once your account is active, set up online banking security. Create a strong password (at least 8 characters, with numbers and symbols), enable two-factor authentication if RBC offers it, and consider setting up a security question. Log in to your account regularly to check for unauthorized activity.

If you want to deposit cheques without visiting a branch, ask RBC about their mobile cheque deposit feature (available through the app). If you need a credit card or line of credit, you can apply through online banking once your account has been open for a few weeks and you have some transaction history.

Frequently Asked Questions

Can I open an RBC account online if I do not have a Canadian address yet?

No. RBC requires a current Canadian address to open an account online. If you are moving to Canada or do not yet have a permanent address, visit an RBC branch in person with your passport and any documents showing your intended address (like a lease or job offer letter). A staff member can help you open the account.

How long does it take to get my debit card after opening an account online?

Debit cards arrive by mail in 5 to 10 business days. You can use your account number and online banking to make purchases or withdraw cash at ATMs before the card arrives. If you need a card urgently, ask at an RBC branch whether they can issue a temporary card in person.

Can I open a joint account online with someone else?

No. Joint accounts must be opened in person at an RBC branch. Both account holders need to be present with valid ID and SIN. Once the account is open, both people can access it online through their own login credentials.

What if I fail the identity verification questions during the online application?

RBC will offer you the option to verify your identity by video call or to visit a branch in person. Video verification is usually faster and can happen the same day. You will need your government-issued ID on hand for either method.

Do I need to deposit money immediately after opening my account online?

No. Your account is open and ready to receive deposits, but you do not have to deposit anything right away. You can set up direct deposit from your employer, transfer money from another bank, or deposit cash at an RBC ATM whenever you are ready.