在ROYALBANK开银行账户如何省月费

闲云野鹤

你可以在 ROYALBANK开银行账户和投资账户，银行账户需要每月交月费，但是如果符合这些条件就可以免除月费：
http://www.rbcroyalbank.com/products/deposits/multiproduct-rebate.html?fbclid=IwAR0Am2K2p8elZsI-kWdvrDo-O0sscaYRuR-pxLieJsWBoeKENQotQ9V3Mss

比如DAY to day banking 这个账户，一般要交每月4元。但是如果有一个ACTIVE的信用卡（每三个月用一次）和一个ACTIVE 的投资账户（至少保持500元）就可以免除这4元的月费了。
An active RBC Investment:

• Includes investments, such as RBC Guaranteed Investment Certificates (GICs) or RBC mutual funds and accounts held at RBC Direct Investing
• Requires either the set-up of a regular re-occurring pre-authorized contribution (PAC) from any banking account to the investment account or the maintenance of a minimum balance of $500 market value in the investment account on the last business day of the Monthly Cycle of the banking account. The PAC or minimum balance requirement does not apply to investments held in RBC Direct Investing, where the balance must be greater than $0
• Excludes the RBC Investment Savings Account and investments held through RBC Dominion Securities Inc. or other investment brokers, dealers or investment counsellors
  

各种账户的对比：
https://www.rbcroyalbank.com/accounts/compare-chequing-accounts.html?utm_dc=ks_SEG_78304016_90770055302_446187660933_kwd-35134008896_c&gclid=CjwKCAjw9vn4BRBaEiwAh0muDD2wSKx57rBJChg0_XXnshifDyLWTAomXcL-A0ind4HcV-1_uzix9BoCW2AQAvD_BwE

你还可以开一个DIRECT INVESTING 账户用来交易股票及买卖基金，注意在这里可以买基金是D series的基金，它的费用比在普通investment下买的A系列基金要少的多。如果你有A系列的基金又有 DIRECT INVESTING账户，可以把A系列转为D系列就可以省下很多费用。

https://info.51.ca/news/canada/2015-03/380702.html

这个DIRECT INVESTING 投资账户如果少于15000元，每个季度要交25元，但是如果满足这些条件中任何一个也可以免除季度费。
https://www.rbcdirectinvesting.com/pricing/fees.html
The fee is also waived if a client meets any one of the following criteria:

• Has signed up for a Pre-Authorized Contribution(s)Legal Disclaimer10 (i.e. automatic regular savings transfers) for a combined total of $100/month, $300/quarter or more in their RBC Direct Investing account(s) (registered or non-registered)
• 每月自动存100元到投资账户。
• Has been an RBC Direct Investing client for less than six months (this allows new clients sufficient time to transfer assets to RBC Direct Investing)
• 拥有投资账户不到6个月。
• Has a combined total of three or more commission–paid tradesLegal Disclaimer11 during the quarter across all RBC Direct Investing accounts (registered and non-registered)
• 每季度超过三次（包括三次）以上的付费交易。
• Has a group RRSP account with RBC Direct Investing
• 有GROUP RRSP账户。
• Has qualified for the RBC Direct Investing Royal Circle® programLegal Disclaimer12
• 过去4个月每月有超过25万在投资账户，或者交易费每年超过5000元，
• Has an RBC Student Banking® package, current or within the last five yearsLegal Disclaimer13
• 有RBC学生账户，现在拥有或者过去五年拥有。
• Has an RBC VIP Banking® package
• 有RBC VIP账户
  

如果你从别的金融机构把RRSP转入RBC皇家银行，转出机构一般会扣取50-100元手续费，RBC DIRECT INVESTING账户可以补贴最多200元。
https://www.rbcdirectinvesting.com/transfer-an-account.html?fbclid=IwAR0bF3uh7Rf4ux3a-MhhBlGkxgTa6UBSLe4P2cseRMebdXTFdIsiEsKEmCg