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RBC Day to Day Banking Account
$50
$50
RBC Day to Day Banking Account and $50 Rebate Exclusively from FinlyWealth**
Secure & Private
INTERAC e-Transfer$760,000+ Paid out so far
Rebate Offer Terms
*/** Terms and conditions apply.
- Only valid for eligible new account holders
Product Welcome Bonus
N/A
Overview
- The essentials you need for a low monthly fee
- $4/month(1) or less with the Value Program Rebate(2)
- 12 debits of any kind, plus unlimited e-Transfers,(34) self-serve transfer, Public Transit,(8) and Virtual Visa Debit(35) transactions
- No minimum balance
- Earn Avion points(12) on everyday purchases
- Free Interact e- Transfer transactions(3,4)
- Save 3¢/L on gas at Petro-Canada(5)
How to Get the Rebate
1
Sign in or create a new FinlyWealth account.
2
Click the offer link provided in order to be redirected to the merchant's page.
3
Make sure to add your INTERAC e-Transfer email to your Finly profile for us to process payments.
4
Complete your application process in one go.
5
Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days, up to 2 weeks. Your Finly cashback profile will reflect that as soon as we receive a status update.
Rebate payments are generally processed within 10 days of receiving transaction confirmations, however it may vary depending on payment processing times.
Payments & Privacy
Your Privacy Matters
We take privacy seriously and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
Secure Payments via INTERAC
Payments are sent via INTERAC e-Transfer through our secure automated payment system. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page, otherwise the cash payment will be auto-deposited directly into your bank account.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
Most of our tracking process is done through browser cookies, hence blocking them would introduce potential tracking issues. Don't use incognito mode either.
Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
Frequently Asked Questions
A FinlyWealth rebate is a real cash payment you receive when you apply for - and are approved for - an eligible financial product (credit card, bank account, or brokerage) through our platform. It's our way of sharing the referral commission we earn with you, directly into your bank account.
Rebates are sent via INTERAC e-Transfer through our secure automated payment system. Make sure to add your INTERAC e-Transfer email to your Finly profile. If your INTERAC requires a password to accept payments, you can find your unique passcode in your Finly account page. Otherwise, the payment will be auto-deposited directly into your bank account.
The timeline varies by institution. Generally, the financial institution reports the transaction to us within 3–7 days after approval. Once we receive confirmation, rebate payments are typically processed within 10 days. You can track your rebate status in your Finly cash back profile.
Yes. We take privacy seriously and collect only minimal information needed for payment processing—simple details like your name and INTERAC e-Transfer email. We never share your data with third parties beyond what's required to process your rebate.
No. Our tracking process relies on browser cookies to attribute your application to your Finly account. Using VPNs, ad blockers, or incognito/private browsing mode can interfere with tracking and may result in your rebate not being recorded. Please disable these before clicking the offer link.
If your rebate hasn’t appeared within the expected timeline shown on this page, you can file a support ticket with our support team through your Finly account. Having your application reference number ready will help us resolve the issue faster.
It is strongly recommended to complete the entire application on one device in one browsing session. Switching devices or closing the browser midway can break the tracking cookie, which may prevent the rebate from being recorded.
Yes! The FinlyWealth rebate is completely separate from and in addition to any welcome bonus, sign-up offer, or promotional incentive offered by the financial institution. You get both.
Ready to get your rebate?
Apply now through FinlyWealth and secure the cash offer.
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Legal:
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.
2) The standard Monthly Fee for the RBC Day to Day Banking account is $4; however, you may be eligible to receive a full rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled “Personal Deposit Accounts Disclosures and Agreement s”.
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.
6) Proof of any Registered Disability Savings Plan opened in your name or for your benefit is required before the Monthly Fee rebate will be applied to the RBC Day to Day Banking Account. Any fees paid before eligibility has been confirmed will not be refunded. Limit of one rebate per client.
7) 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.
8) The following debits will not count toward the number of included Debit Transactions per Month: RBC Virtual Visa‡ Debits; Self-Serve electronic funds transfers from your personal deposit account to another personal deposit account in your name; pre-authorized or self-service transfers made to any RBC credit card; payments to your RBC Royal Bank personal loan, Royal Credit Line®, RBC residential mortgage or RBC Homeline Plan®; contributions made to RBC investments/ investment accounts such as Guaranteed Investment Certificates (GICs), Registered Retirement Savings Plans (RRSPs), Registered Education Savings Plans (RESPs), Registered Disability Savings Plans (RDSPs), Tax-Free Savings Accounts (TFSAs), and Royal Mutual Funds. Unless otherwise specified herein, all other debits, including bill payments, will count towards the number of included Debit Transactions and will result in an Excess Debit Transaction Fee if you go over the number of included debits per Month. 12) Eligible Canadian dollar Accounts: one of RBC Day to Day Banking, RBC Day to Day Savings or RBC Enhanced Savings. The RBC VIP Banking Account is known as your “VIP Operating Account.” Accounts linked to your VIP Operating Account are known as “VIP Companion Accounts.” All Accounts need to be in the same geographic location.
31) Offered as part of the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC).
33) The account owner must provide proof of eligibility by presenting an acceptable form of identification in Branch, as defined by the Commitment on Low-Cost and No-Cost Accounts from the Financial Consumer Agency of Canada (FCAC), effective 2025. Each account owner is eligible for one fee-waiver. Any fees paid before eligibility has been confirmed will not be refunded. For more information, visit https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/low-cost-no-cost-accounts.
34) Unlimited FREE Interac e-Transfer transactions through the Interac e-Transfer service are available with all Canadian dollar personal bank accounts and are not counted in the monthly total of debits for accounts with a limited number of free debits. 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. For all Canadian dollar savings accounts, transfers through the Interac e-Transfer service are $1 each, count as a Debit Transaction toward any free monthly total and carry an Excess Debit Transaction Fee, if applicable. The Interac e-Transfer service is not available with U.S. Dollar Accounts.
35) When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations.
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