Yes, you can open most RBC accounts online, but the process depends on which account type you want

RBC lets you open a chequing account, savings account, or TFSA (Tax-Free Savings Account) entirely online through their website or mobile app. You do not need to visit a branch. The whole process takes about 10 to 15 minutes if your documents are ready.

However, some account types—like RRSPs (Registered Retirement Savings Plans) or investment accounts—may require you to start online but finish in a branch or over the phone with a representative. Joint accounts also sometimes need a second step. Before you start, check which account type you actually need, because the online path differs slightly for each one.

Key Takeaways

  • RBC chequing and savings accounts open fully online using their website or app; you need a valid ID, proof of address, and a SIN.
  • The process takes 10 to 15 minutes and you can start funding the account immediately after approval.
  • You must be at least 18 years old and a Canadian resident to open an account online; some account types have additional requirements.
  • If you already bank with RBC, opening a second account online is faster because your identity is already verified.
  • Joint accounts and certain registered accounts may require a phone call or branch visit to complete the setup.

What documents you need before you start

Gather these three things before you open your browser: a valid government-issued photo ID (driver's license, passport, or provincial ID card), proof of your current address (a utility bill, lease, or mortgage statement dated within the last 90 days), and your Social Insurance Number (SIN).

RBC will ask you to upload images of your ID and address proof during the online process. Take clear photos or scans—blurry corners or cut-off text can slow things down. If you do not have a current address document, some branches will accept a letter from your employer or landlord on letterhead, but calling RBC first at 1-800-769-2511 is faster than guessing.

The actual steps to open an account online

Go to rbc.com and click "Open an Account" or use the RBC Mobile app. You will choose your account type (chequing, savings, or TFSA). RBC will then ask for your personal information: full name, date of birth, email, phone number, and SIN.

Next, you upload photos of your ID and address proof. RBC's system checks these automatically—if the image is too dark or the text is cut off, it will ask you to retake it. Once those pass, you create your online banking username and password, and you set up security questions.

RBC will then tell you whether your account is approved. Most people get approval within minutes. You can set up direct deposit, link an external bank account for transfers, or visit a branch to deposit a cheque. Your account number appears on screen immediately, so you can give it to your employer or creditors right away.

How long approval actually takes

Instant approval is common for basic chequing and savings accounts if your documents are clear and your information matches government records. You will see a confirmation screen before you leave the website.

In some cases, RBC flags your application for manual review—this happens if your address does not match their records, your ID is close to expiring, or your photo is unclear. Manual review usually takes one to two business days. RBC will email you if they need more information or a clearer photo. You can also call 1-800-769-2511 to check the status of a pending application.

Funding your account after it opens

Once your account is open, you have several ways to add money. The fastest is direct deposit: give your new account number and RBC's routing number (001) to your employer, and your paycheque will land there automatically on your next pay cycle.

You can also transfer money from another bank account you own using online banking, or visit an RBC branch or ATM to deposit cash or a cheque. If you transfer from another bank, the money usually arrives within one to two business days. Some RBC branches have mobile deposit—you photograph a cheque through the app and it clears in one to two days.

When you cannot open an account online

RBC requires you to be at least 18 years old and a Canadian resident to open an account online. If you are under 18, a parent or guardian must open a youth account in a branch.

Joint accounts sometimes require both account holders to verify their identity in person or over the phone, depending on RBC's current policy. Call 1-800-769-2511 before you start if you are opening a joint account. Registered accounts like RRSPs may also need a phone conversation to confirm your investment choices or contribution room. Business accounts cannot be opened online—you must visit a branch with your business registration documents.

What happens if your application is rejected

RBC rarely rejects an application outright, but it can happen if you do not meet residency requirements, if there is a fraud flag on your SIN, or if you have a history of unpaid bank fees or overdrafts at another institution. RBC does not always explain the reason in detail.

If your application is rejected, call 1-800-769-2511 and ask why. Sometimes the issue is fixable—a wrong address, a typo in your name, or outdated information in their system. If you cannot resolve it by phone, visit a branch in person; a representative there may be able to override the decision or suggest an alternative account type that you can open.

Frequently Asked Questions

Do I need to visit a branch at all if I open online?

No. You can open a chequing or savings account entirely online, fund it through direct deposit or transfers, and never step into a branch. However, if you want to deposit cash or cheques regularly, you will need access to an RBC ATM or branch eventually.

Can I open an RBC account if I do not have a Canadian address yet?

No. RBC requires proof of a current Canadian address dated within 90 days. If you are moving to Canada, you may need to open an account in person at a branch once you arrive and have a lease or utility bill in your name.

What if my ID is expiring soon?

RBC will usually accept an ID that expires within the next few months, but if it expires within 30 days, the system may reject it. If that happens, call 1-800-769-2511 and ask whether they can process your application manually or whether you should renew your ID first.

How do I know if my account is actually open?

RBC sends a confirmation email with your account number and online banking details. You can also log into RBC Online Banking or the mobile app immediately—if you see your new account listed, it is active. Your debit card arrives by mail within 7 to 10 business days.

Can I open multiple accounts online at the same time?

Yes. Once your first account is open and verified, opening a second one is faster because RBC already has your identity on file. You can open a chequing account, then a savings account, then a TFSA—all online, one after another.