RBC Direct Investing New Account Bonus: 3% Cash Back on Registered Transfers (1% Non-Registered)
New RBC Direct Investing clients who open an account through RBC's promotional link by November 2, 2026 and bring in at least C$2,500 by November 30, 2026 get 3% cash back in registered accounts and 1% in cash or margin accounts, capped at C$15,000, if the assets stay until November 30, 2028.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-09-30 · How we rate
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Checking availability…The catch
The reward is paid as cash into the funded accounts in two halves, by December 31, 2027 and by December 31, 2028. Each half is based on the net transferred assets still held on November 30, 2027 and November 30, 2028. Withdrawals reduce the amount, and falling below C$2,500 through withdrawals ends all further payments. In a registered plan the reward stays inside the plan, so taking it out follows that plan's normal withdrawal and tax rules.
How to claim
- Check that you have not held an RBC Direct Investing account (GoSmart excepted) since July 31, 2024.
- Open one or more eligible accounts through RBC's promotional offer link between July 31 and November 2, 2026.
- Transfer or deposit at least C$2,500 in cash or listed securities by November 30, 2026.
- Keep the net transferred assets in place until November 30, 2028.
- Receive 50% of the reward by December 31, 2027 and the balance by December 31, 2028, split across the funded accounts in proportion to their transfers.
Full review
RBC Direct Investing's Summer-Fall 2026 Cash Offer pays cash back on assets you bring into a new account: 3% of net transferred assets in registered accounts and 1% in non-registered cash or margin accounts, up to C$15,000 per client. RBC's own examples: C$10,000 in one registered account earns C$300, and C$15,000 in a non-registered account earns C$150. The offer is for new clients only, meaning no RBC Direct Investing account (GoSmart excepted) in the two years before July 31, 2026. You must open the account through an RBC promotional link between July 31 and November 2, 2026, and transfer or deposit at least C$2,500 in cash or listed securities by November 30, 2026. Eligible accounts are TFSA, RRSP, spousal RRSP, FHSA, LIRA, RESP, RIF, group RSP and LIF (3%) plus individual or joint cash and margin accounts (1%). Cash from RBC personal banking accounts counts, but transfers from other RBC investment businesses such as RBC Dominion Securities, RBC InvestEase or Royal Mutual Funds do not.
The catch is a two-year hold. Net transferred assets are reduced by every withdrawal, deregistration or transfer out between July 31, 2026 and November 30, 2028. Half the reward is paid by December 31, 2027, based on what is still there on November 30, 2027; the rest is paid by December 31, 2028, based on the November 30, 2028 balance. If withdrawals take you below C$2,500 at any point between November 30, 2026 and November 30, 2028, you lose all further payments. Market losses do not count against you, and money added after the funding deadline can be withdrawn freely. For registered plans the reward is paid into the plan, and RBC says it should not be considered a contribution. RBC also puts the contribution-room risk on you: new cash deposited into a TFSA, RRSP or FHSA uses room, and any over-contribution penalty is yours to pay. The reward may have tax consequences. Accounts must stay open, funded and in good standing, with no debit balance or margin call, until the second payout.
Pros
- +3% applies to a wide list of registered accounts, including RESP, RIF and LIF
- +Cash from RBC personal banking accounts counts toward the transfer
- +Low C$2,500 minimum
- +Market drops do not reduce the reward
- +Can be combined with the GoSmart C$100 offer
Cons
- −Assets must stay until November 30, 2028; dropping below C$2,500 through withdrawals cancels all further payments
- −The first payment is not made until December 2027, and the second by December 2028
- −New clients only: no RBC Direct Investing account in the previous two years
- −Only 1% on cash and margin accounts
- −Transfers from other RBC investment businesses do not qualify
- −You must open through RBC's promotional link
3% cash back (1% non-registered) with RBC Direct Investing
Now you know the terms. Claim it on the broker's own site.
Sources & verification
We research every bonus from the broker's official pages and re-check it on a 60-day schedule.
Confirmed against official sources: Bonus amount, Minimum deposit, Account type, Withdrawal terms, Turnover requirement, Hold requirement, Time limit, Eligible countries, Restricted countries, Expiry date.
Broker regulation: Canadian Investment Regulatory Organization (license Investment Dealer), Canadian Investor Protection Fund (license Member - Investment Dealer).
- Bonus terms and conditions: rbcdirectinvesting.com ↗
- RBC Direct Investing official site: rbcdirectinvesting.com ↗
Last verified 2026-09-30. Next review within 60 days.