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Finly rebate paused on this offer
The cash-back rebate on this product isn’t active right now, but the issuer’s offer still is. You can apply directly below — there just won’t be a Finly rebate this time.
RBC Advantage Banking Account
We don't currently offer a Finly cash-back rebate on this product, but the issuer's offer is still on. Click below to apply directly through their site — no Finly rebate this time, just a quick handoff.
Paid via INTERAC e-Transfer
Secure & private
$1,055,000+ paid out to Canadians
The chequing account
Why RBC Advantage Banking Account?
A smart, flexible everyday banking account that rewards you for staying active. With the RBC Advantage Banking Account, you can avoid monthly fees and enjoy unlimited debit transactions just by maintaining a simple balance or bundling your banking products.
Fees & limits
Monthly fee
Can be waived
$12.95
Transactions
Unlimited
Interac e-Transfers
$1 after
999/mo
ATM (own network)
$0
ATM (Canada, other)
$0
Foreign currency
2.5%
Insufficient funds
$10
Ways to waive the monthly fee
Value Program
As low as $0/month with the Value Program Rebate
Seniors Rebate · $8.95 rebate
For seniors aged 65 and over (or less with the Value Program Rebate)
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Some accounts waive the monthly fee if you maintain a minimum balance or set up direct deposits. Any waiver options are listed in the fees & limits panel above. The financial institution makes the final approval decision.
Eligible Canadian bank deposits are insured by CDIC up to $100,000 per category. Coverage details depend on the institution — check the financial institution's site for specifics.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
1) The Monthly Fee is charged on the last day of the Month of your Account’s monthly cycle. If the last day is a non-Business Day, the fee is charged the previous Business Day. However, if the last day of your Account’s Monthly Cycle is a non-Business Day and falls at the beginning of the calendar month, then the Monthly Fee is collected the next Business Day.
3) There is a limit of 999 free Interac‡ e-Transfer Transactions per Month per Account; for every Interac‡ e-Transfer Transaction over the limit, you will be charged $1.
4) Interac‡ e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac‡ e-Transfer Transaction is sent to cancel without charge. A $5 Interac‡ e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
5) To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
9) An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
10) We will rebate the standard NSF fee of $45 for your first NSF transaction in a given calendar year. You will be charged $45 for each NSF in the calendar year thereafter. You may not carry over unused NSF fee rebates from previous calendar years. 13) For clients age 65 or older. Only one Monthly Fee rebate per Account Owner will apply. Other conditions and exceptions may apply, please refer to the Personal Deposit Accounts Disclosures and Agreements for full details.
15) When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.