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Rbc vs desjardins rabais multiproduit rbc

Consumer insurance reviews cover nearly all insurance companies and their products across Canada. This includes reviews of both national and regional insurance providers, such as e.g. Insurance companies are rated using three dimentions: Customer Experience, Value for Money and Claim Experience, where consumers can rate their insurers on a scale of 1 to 5 stars. Consumer comments offer review details and share real experience with others. 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If you want to exchange more than $10,000, please sign in to Online Banking to see the most accurate rate. This quick and easy Foreign Exchange tool shows you what your currency is worth today, so you can know the value of the funds you have. Or have extra USD on hand and want to convert it back? You can exchange up to $25,000 at a time between your RBC Royal Bank (Canadian) and RBC Bank (U. S.) accounts when you’re signed in to Online Banking. Give us a call at The rates provided are for information purposes only, and may not be reflective of rates in the market at the time of inquiry. Foreign exchange rates are subject to change at a moment's notice. Although timely rates may be obtained by contacting a local RBC Royal Bank branch, rates can only be guaranteed at the time the purchase or sale is conducted. Advance notice may be required to obtain some currencies. Rbc vs desjardins rbc oliver Savings goal Put aside money tax-free to save for retirement, while also reducing your taxable income in the years you make contributions. Savings goal Put aside money tax-free to save up for anything you want. Cannot be used as collateral for a loan. Can be used as collateral for a loan. Compare credit cards with RBC Royal Bank's easy-to-use comparison tool. COVID-19 – How RBC is helping clients. Read More. Skip to main content. Promotions. Royal Bank. RBC Royal Bank offers four regular chequing accounts with monthly fees ranging from between $4 and $30. The monthly fee for RBC’s accounts can be reduced if you have multiple products (a credit card, for example) with the bank. All accounts come with an unlimited number of free Interac e-Transfers. CIBC offers three accounts with fees of $3.90 to $28.95 a month. With a CIBC chequing account (not CIBC checking account), the fee can be waived on the Everyday Chequing and Smart accounts if you carry a minimum balance. For the Smart account, you need to also have two pre-authorized monthly payments or a recurring direct deposit for the fee to be waived. There’s a fee to send Interac e-Transfers if you have the Everyday Chequing account. But for the Smart account, every e-Transfer counts as a transaction when calculating the monthly fee. The most expensive accounts also come with the most features. If you have the RBC VIP Banking account, the annual fee is waived on a number of RBC cards, including the RBC Visa Infinite Avion and the West Jet RBC World Elite Master Card. And the annual fee is waived on a few CIBC cards—such as the CIBC Aerogold Visa Infinite card and the CIBC Aventura Visa Infinite card—if you have the CIBC Premier Service account. There’s also no fee to send Interac e-Transfers with either account. RBC student chequing accounts RBC doesn’t offer specific accounts for seniors but it does offer discounts on all of its regular chequing accounts. The fee is waived on the RBC No Limit Banking account if you’re a senior and you have both an active investment account and an active credit card. CIBC does have an account specifically for seniors, the 60 Plus Advantage account, which has no annual fee and unlimited transactions but it costs $1.50 for each Interac e-Transfer. RBC has two different accounts, the RBC Student Banking and the RBC No Limit Banking for Students accounts. The RBC Student Banking account has no annual fee and comes with 25 free debit transactions a month while the RBC No Limit Banking for Students account has a monthly fee of $10.95 and comes with an unlimited number of debit transactions. You also get free Interac e-Transfers and an annual credit card rebate of up to $39. CIBC offers just one account, the Advantage for Students account, which has no annual fee and an unlimited number of transactions. However, there’s a fee to send Interac e-Transfers. The bottom line RBC and CIBC have a large number of chequing accounts (not checking accounts) to choose from. If you know what features you want, a chequing account comparison tool can help you find the account that suits your needs. Hello all,many friends told me to go with Tangerine because you dont get any monthly fees... BUT with Desjardins : The Economy Plus is free if u keep 1500$ in your saving account...(which I basically always have)... so is there any other advantage I dont see of using Tangerine over my desjardins account?! Desjardins:-12 maximum transactions (do people really use more than 12 transactions for a personnal account?! and ill transfer money to my High interest saving account (with Achieva) and my Retirement fund (with wealth simple)... ) (i pay everything on credit and i've set automatic balanced payment at the end of the month... so basically 6-7 transactions per months...(how much do you guys have transactions per months?! )-can have a line of credit-has acess to more ATM-has access to teller services (draft, etc)-does desjardins have something like tangerine for Eletronic transfer? i actually save my money with Wealth Simple and Achieva which have better rate than Tangerine, so I dont need a saving account with Tangerine. For me the pros of having access to more ATM, teller, directly connecting my line of credit with my cheque account, outweight by a lot the unlimited transaction isntead of 12.... Desjardins could and likely will increase that $1500 requirement at some point. I don't see Tangerine charging fees for banking anytime soon since their whole business is completely based on the fact they don't have actual teller locations and that they're free. If Tangerine started charging fees, there would be a mass exodus. Additionally, if you accidentally (or even on purpose) dip into that $1500 then they'll charge you for that month. Also worth considering is PC Financial especially if you use cheques as they're all free. Neither have "access to more ATMs" because with Tangerine you could use Scotia ATMs and PC you could use CIBC. PC Financial is not offered in quebec, and i will never dip in that 1500$ its in my saving account for years and never had to touch it..i still dont see the benefit of tangerine over Desjardins... no teller, less atm, no line of credit...problem is the only reason I have a LOC is for the whoops moment:-forgot about a payment or car accident, and I dont have enough money in my cheque account to pay, it will at least dip in my LOC. Also sometime it happened that i have mroe money on my credit card than in my cheque account, so at least i can still pay my credit card with my LOC (4% instead of 19%)(so transfering over with a few days wont make any change)(but i realized that Desjardins doesnt have Email fund transfer for free, they only have interec trasnfer which cost 1.50$ each) (do you get charged 1.50$ everytime you send money form your LOC to Tangerine?! when you trasnfer it just makes a debt with Desjardins and put the money in your cheque account with Tangerine?! (do you need to have an Desjardins cheque account for this, which means a 4$ monthly fee?! , do you have access to you LOC with a debit card?! You wouldn't get NSF that's what the overdraft is for...anyway yeah, if you don't want to look at your bank account too much, don't get an online-only bank and tangerine is not for you. I guess it's more suited to people who can check their phone whenever they need to and will never be in a situation where they can't afford random expenses. Everyone I know who was with desjardins told me horror stories about them. Because they're a caisse populaire and not an actual bank, you can't do certain things unless it's your "home" succursale. I would encourage you to shop around more and see if you can find something better. I think RBC had some pretty decent deals and they're more of a real bank than desjardins. But anyway I'll stick with tangerine, most of the time they're really good if you don't have crazy unplanned for expenses-I've already shop around a lot!! what i dont like about RBC is that you can't really waive the monthly plan fee (while with desjardins you only need to stick 1500$ with them and they waive their fee)-and if I understood correctly i can always use my Tangerine account to get money from Desjardins and use the EFT (email fund transfer) to send my money wherever i want , if needed (since desjardins charge 1$ for Transfer out fund)-I was also thinking of putting 4000$ in my desjardins account(giving me access to a better monthly plan for free) which include 5 free EFT per months, so i could 100% ditch Tangerine-lastly and if you know: I want to setup to pay my credit card balanced automatically every month at the same date (was wondering if I will be forced to use the bank at which i have the credit card?! (exemple: Can i autopay my tangerine credit card with Desjardins cheque account?!


As a sole or joint owner of an RBC VIP Banking (VIP) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (as indicated below), every year, as long as your credit card remains in good standing and you remain a VIP account owner. Additional cardholders’ annual fee is also fully or partially rebated (as indicated below), every year, as long as your eligible credit card remains in good standing and you remain a VIP account owner. Only one credit card annual fee rebate per VIP account is allowed, which means that if you own a joint VIP account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the VIP account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: ( i) partial rebate of $120 for the primary cardholder and $50 for the co-applicant on the annual fee of an RBC Avion Visa Infinite Privilege card, and (ii) annual fee fully rebated for the primary cardholder and the additional cardholders (co-applicant and authorized users) on any of the following cards: RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner. Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account will be entitled to the credit card annual fee rebate. Rebates that apply to eligible credit cards are: 1) $39 rebate (annual fee fully rebated) for: Signature RBC Rewards Visa and West Jet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and West Jet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded. Debit Transactions in the Day to Day Banking and U. Personal Accounts: RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account or U. ATM - RBC ATM Access fees waived An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. 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. ATM use outside Canada Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATM - Unlimited banking transactions including and PLUS System network fees waived ATM operator surcharge (also called a convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee and 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. ATMs - 3 withdrawals from other bank ATMs refunded per Monthly Cycle ATM operator surcharge (also called a convenience fee) may apply. It is charged by a third party and added directly to the amount of your cash withdrawal. Totals are not cumulative, and if not used, may not be carried over into the next Monthly Cycle. Overdraft Protection is an optional feature that may be added to your account. If an account is overdrawn, a deposit is required to be made at least once each month, in an amount that will cover the monthly overdraft interest. Monthly fee waived for VIP Banking & Signature No Limit Banking accounts. If you have an eligible banking account and two or more qualifying, eligible RBC products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. For more information on the Multi Product Rebate visit any RBC Royal Bank branch, call An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. 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. Each account cash withdrawal at an ATM outside Canada displaying the PLUS System symbol, and any fees that may be imposed by any third party for using the ATM, are converted to Canadian dollars at an exchange rate which is 2.5% above the bench mark rate set by the payment card company when the transaction is posted. Exchange rates fluctuate and, as such, the rate applied will usually differ from the posted exchange rate at the time of the transaction. RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings Accounts) from your RBC Day to Day Banking Account, U. Personal Account, Leo’s Young Savers Account or RBC Student Banking Account are free of charge. All other Debit Transactions from these Accounts are counted as Debit Transactions towards the free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee if the total free monthly Debit Transactions are exceeded. Foreign currency purchases paid by withdrawal from your Canadian dollar account are converted to Canadian dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corp.), effective at time of processing. Note: Due to system limitations all accounts must be opened by the client in the same geographic location or region to be recognized for this bundling feature. Since exchange rates fluctuate, the rate applied will usually differ from the posted exchange rate at the time of your purchase. If you have questions, please speak to your branch. RBC VIP Banking account comes with a choice of up to two additional Canadian dollar deposit accounts, to be selected among the RBC Day to Day Banking, RBC Enhanced Savings and RBC Day to Day Savings accounts, and one additional U. This offer is to receive a complimentary Apple Air Pods. It is only available to permanent Canadian residents who, as of February 28, 2020 do not have, and in the 5 years prior have not had, a Personal Banking Account with Royal Bank of Canada or any of its deposit taking subsidiaries, who as of April 30, 2020 have reached the age of majority in the province or territory in which they reside, and who meet all other terms and conditions of the offer. To qualify, you must: RBC has the right to determine in its reasonable discretion whether the qualifying criteria have been met. This offer may not be combined or used in conjunction with any other Personal Banking Account offers unless otherwise indicated. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. All my visa cards are downgraded to No Fee with the exception of my Momentum Infinite. My RBC Chequeing has been downgraded so I will no longer pay a fee. Thanks /u/shar_blue I've created my Tangerine chequeing account and will switch over my direct deposit from work next week. I was thinking of moving all of my accounts over to Tangerine so I can stop paying my monthly bank fee at RBC. I'm not sure how my credit score would be affected by this move; my credit history age would drop from 9 years to 6 years; available credit would decrease from $59,500 to $6,500. Since I will not be making any large purchases for at least 3 years my credit score should be a problem. I can always increase my credit card limits to improve utilization. However, since I do not carry a balance credit card utilization is always 0% so it doesn't matter, right? Negatives of Tangerine: There is no reason you need to close your credit card accounts with RBC - you can set up those cards to auto-pay their balance by withdrawing the full statement amount from your Tangerine account. Last year, my husband and I made a similar "switch" from RBC to Tangerine. We had (and still have) the following accounts with RBC: I find this gives me a good balance of services - I enjoy completely free banking (minus the piddly amount my $500 of TFSA could be earning elsewhere), and I still have direct access to a bank teller if needed. I just wanted to add, RBC announced free interac e-transfers, so no more fees, only condition is you must have a chequing account, doesn't matter which one. I spoke to a representative, and she could be wrong, but she told me interac e-transfers also now don't count as transactions, so if you had 12 transaction and did an e-transfer of $100, you would still have 12 transactions remaining and the e-transfer would be free. Just double check the whole not counting as a transaction part. Is the $500 in the TFSA just a savings deposit, or is it invested in anything? I was under the assumption that it needed to be in a mutual fund or GIC or something to count towards that "investment" requirement for the MPR. You most likely don't need to close your LOC, but it will become more difficult to access your balance or make a payment. I have a $0 balance LOC with BMO which has been my only account with them for over a year. As for your credit score / credit history age, unless I'm missing something the only changes will be as a result of you switching around your credit cards and will have nothing to do with moving your accounts to Tangerine. I did the same recently, but for Lo C coverage I opened an account with PCF, their accounts are free and with tangerine you can link the Lo C and pull money from PCF. Their rates are fairly good too - iirc I get prime 3%What do you need that massive line of credit for? You seem like a smart individual who pays their credit card bill on time, so as long as you keep doing that I think you'll have no issue getting a mortgage if that is what you're worried about? The no monthly fee is huge, you're pissing away X$/month with RBC. 2-3 day delay on bank drafts should be no issue with proper planning. I switched from BMO and I'm loving Tangerine, been with them 5 months and combination of promotional interest for my e-fund / fees saved has netted me $100, plus I got $50 for a referral. Depending on what you have invested with RBC as well you might find Tangerine has much lower MER on their mutual fund options. Also not sure why you think there's limited ability to withdraw cash? You can use any scotiabank ATM without any fees, as well as get cash back from most grocery stores these days. Line of credit was pulled for moving expenses last year. It's no longer needed and I'll most likely never need it since I've started my career. You may be close to the multi product rebate with RBC. Talk to an employee and ask what you need to do to qualify. When you close credit products they don't fall off your credit file for 6 years so you don't lose the history by any means. The other possibility; check if you can keep your LOC open without a deposit account. Kept my RBC LOC and RBC Visa open for the sake of maintaining my credit history. I don't use or even carry the Visa with me, but I put my $20 home insurance payment on it just to keep it active and set up auto payments. Tangerine is infinitely better than RBC in almost every way. They even gave us $100 when my wife set up direct deposit through her employer. (Something she was doing anyways, so when the guy told her so she didn't miss out, it was kinda awesome.)In almost two years, we haven't had a single problem with tangerine. I moved everything except two of my mutual funds that aren't worth cashing out with my credit union and a $15k LOC, everything else has moved to Tangerine. I had just under 30 years of accounts with the CU, and that got me absolutely nowhere when it came to the mortgage or pretty much anything else. Loyalty means nothing to the financial sector, so don't feel like you owe them any. If you like Tangerine over time I'd move more and more out of RBC. I would than open up a savings account at a credit union for in person service and a online bank for a higher rate of return on a savings account. Some banks (and in the future maybe RBC) charge very annoying fees, like inactivity fees, monthly fees and other fees they just try to sneak in there. Rbc vs desjardins banque en ligne rbc The money transfer limit is the maximum amount of transfers that can be done in a single day to other Desjardins members. The default daily money transfer limit is $3,000 for members age 18 and up, and $1,000 for minors. Your caisse may review your limit if you are a minor. Nov 19, 2019 Desjardins vs RBC Insurance When it comes to customer service, RBC does better in 2019 J. D. Power’s Canada study while Dejardins was on the front page of BBB’s website. The former earned an impressive four-star rating in Ontario in the J. D. Power’s study, whereas Desjardins came last. Savings goal Put aside money tax-free to save for retirement, while also reducing your taxable income in the years you make contributions. Savings goal Put aside money tax-free to save up for anything you want. Cannot be used as collateral for a loan. Can be used as collateral for a loan. A routing number identifies the financial institution and the branch to which a payment item is directed. Along with the account number, it is essential for delivering payments through the clearing system. In Canada, there are two formats for routing numbers: An Electronic Fund Transactions (EFT) routing number is comprised of a three-digit financial institution number and a five-digit branch number, preceded by a "leading zero". Example : 0XXXYYYYY The electronic routing number is used for routing electronic payment items, such as direct deposits and wire transfers. MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn. A paper (MICR) routing number is comprised of a three-digit financial institution number and a five-digit branch number. It is encoded using magnetic ink on paper payment items (such as cheques).