Shop smarter in the U.S.

Currency exchange is our specialty

Love finding great deals in the States? RBC Bank can help you maximize your Canadian dollars and avoid foreign transaction fees. Our Online Banking services simplify cross-border shopping with convenient payment and banking solutions from your desktop, tablet or mobile device.

Our recommendation for you is Direct Checking + Visa Signature Black Credit card.

√ Free and instant1 cross-border money transfers

√ Withdraw cash at thousands of no-fee2 ATMs

√ A Visa‡ Debit card for making U.S. purchases and paying bills while avoiding foreign transaction fees, which can be up to 2.5% of your purchase amount

√ Avoid daily exchange rate fluctuations — transactions are in U.S. dollars

√ No annual fee3 credit card


‡ All other trademarks are the property of their respective owners. Cards are subject to credit approval.

All loans and lines of credit are subject to approval.

1 Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will reflect the date of transfer. 

2 Standard account fees and transaction limitations will apply. To find a no-fee ATM near you visit If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests are subject to limitations, refer to the Personal Schedule of Fees for details. 

3 Additional credit card transaction fees will apply as follows: Balance Transfers - Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of foreign transaction regardless of whether the transaction is made in U.S. Dollars or in a foreign currency (Exception: Puerto Rico and U.S. Virgin Islands). Late Payment Fee- up to $35. Returned Payment Fee - up to $35.