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Winter 2025 RBC InvestEase Loyalty Offer for RBC InvestEase Clients

The ‘Winter 2025 RBC InvestEase Loyalty Offer’ (the “Offer”), is subject to the following terms and conditions:

To be eligible to participate in the Offer. You must –

  • Be an existing RBC InvestEase client with one or more RBC InvestEase account(s) before December 4, 2024;
  • Be a member of the Avion Rewards program before April 3, 2025. Avion Rewards members must be part of the Avion Elite or Avion Premium membership level. For more information on eligibility https://www.avionrewards.com/eligibility.html
  • Be a Canadian resident and at least the age of majority in your province/territory at the time of accepting your personalized invitation to participate in the Offer.

Under the Offer, you could receive up to 500,000 Avion points (“Avion points”) if you satisfy the qualifying criteria.

Qualifying Requirements to receive Avion Points

1. Transfer or deposit a minimum of C$25,000 into your RBC InvestEase Account(s) before the Funding Deadline

  • Transfer or deposit a minimum of C$25,000 (Twenty Five Thousand Canadian Dollars) from another financial institution not affiliated with RBC (“Transferred Assets”) into your RBC InvestEase account(s) by April 3, 2025 inclusive (the “Funding Deadline”).
  • Transfers originating from a financial institution that is affiliated with RBC will not qualify under the Offer. Financial institutions that are affiliated with RBC include: Royal Mutual Funds Inc., RBC Direct Investing Inc., RBC InvestEase Inc., RBC Dominion Securities Inc., RBC Dominion Securities Global Inc., Phillips, Hager & North Investment Funds Ltd., Phillips, Hager & North Investment Services, RBC Phillips, Hager & North Investment Counsel Inc, Royal Trust Corporation of Canada and the Royal Trust Company. Transfers origination from an RBC bank account will qualify as Transferred Assets.
  • Multiple transfers may be initiated into RBC InvestEase account(s) to meet the minimum amount of Transferred Assets required. All transfers received across your RBC InvestEase account(s) before the Funding Deadline will be considered cumulatively. Transfers or deposits received into your RBC InvestEase account(s) after the Funding Deadline will not qualify under the Offer.

2. Maintain at least the minimum amount of Transferred Assets in your RBC InvestEase Account(s) until October 3, 2025 inclusive.

  • You must maintain at least the minimum amount of Transferred Assets required under the Offer (i.e., C$25,000) in your RBC InvestEase account(s) until October 3, 2025 inclusive.
  • If you withdraw, deregister, or transfer out assets from your RBC InvestEase account(s), such amounts will be subtracted from the amount of your Transferred Assets in order to determine your ‘Net Transferred Assets’.
  • Your Net Transferred Assets will be determined on October 3, 2025, and are calculated as: Transferred Assets received into your RBC InvestEase account(s) on or before the Funding Deadline, less any withdrawals, de-registrations, or transfer-outs from December 4, 2024 until October 3, 2025.
  • Any assets that are deposited or transferred into your RBC InvestEase account(s) after the Funding Deadline do not form part of the Transferred Assets and the value of those assets may be withdrawn without affecting the calculation of your Net Transferred Assets.
  • The calculation of your Net Transferred Assets will be based on the market value of the assets as of the transfer date and determined in Canadian Dollars. Market fluctuations will not impact the calculation of your Net Transferred Assets. For example: If you transfer C$10,000 into Account A and C$47,000 into Account B, and you do not withdraw or transfer out any amounts, on October 3, 2025, your Net Transferred Assets will be C$57,000 and you will be eligible to receive Avion points.
  • If your Net Transferred Assets drop below the minimum C$25,000 required on or before October 3, 2025, no Avion points will be granted.

3. Receiving the Avion points

  • You must be a member of the Avion Rewards program before the Funding Deadline to receive the Avion points available under this Offer. Avion Rewards members must be part of the Avion Elite or Avion Premium membership level.
  • The number of Avion points you will receive under this Offer will be based on the amount of your Net Transferred Assets, as determined on October 3, 2025.
  • You will receive 1 (one) Avion Point for every 2 (two) Canadian Dollars of your Net Transferred Assets, as determined on October 3, 2025.
  • The maximum number of Avion points that you can receive under this Offer is 500,000 Avion points.
  • Your Avion points will be allocated to your Avion points account by November 29, 2025.
  • If you have an RBC Avion Visa or another Avion points-earning RBC credit card where points are earned on net purchases, your Avion points will be deposited to your respective credit card points account. If you do not have an Avion points-earning credit card, your Avion points will be deposited into your Banking Rewards Account. If you do not have either a RBC credit card where points are earned on net purchases or a Banking Rewards Account, your points will be deposited to the Avion Rewards Core Account. If you have more than one Avion Rewards points account, RBC will determine which account to deposit the points, which could include both joint or solely owned credit card accounts. Once deposited, you may move your points to another account of your choice.

Other Terms that Apply to the Offer:

  • If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Avion points have been credited to your account, you may lose the benefit of this Offer. For more information on Avion Rewards membership levels and program eligibility, please visit: https://www.avionrewards.com/eligibility.html.
  • This Offer is non-transferable and cannot be combined with any other RBC InvestEase promotional offer.
  • RBC InvestEase and Royal Bank reserve the right to cancel, modify or withdraw this Offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by RBC InvestEase and Royal Bank at its sole discretion. Terms and conditions applicable to the Offer are subject to change without notice at the sole and absolute discretion of RBC InvestEase.
  • In the event that you cease to qualify under this Offer, RBC InvestEase reserves the right not to grant any reward under this Offer.
  • RBC InvestEase general Pricing Terms and Conditions apply. You will be solely responsible for the payment of any applicable fees, penalties, charges or other amounts associated with or connected to the Offer or with the transfer of any assets to an RBC InvestEase account(s). Visit Pricing or call 1-800-769-2531 for complete details.
  • You are responsible for reviewing the contribution room available in registered plan accounts (e.g., TFSA, FHSA and RRSP) you hold before affecting any transfer into an RBC InvestEase account. You are solely responsible for any excess contribution penalty or other tax consequence that may arise from the transfer of assets into your RBC InvestEase account(s). Please consult your personal tax advisor before accepting this Offer.
  • The reward available under the Offer will only be granted to a client once.
  • You may opt out of the Offer at any time by notifying RBC InvestEase at 1-800-769-2531
  • Additional terms and conditions may apply to opening an account with RBC InvestEase and the transfer-in and operation of accounts at RBC InvestEase, including without limitation, the requirements set forth in RBC InvestEase’s Investment Management and Operation of Account Agreement. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com/terms-and-conditions or call 1-800-769-2512.

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