Terms and conditions

Banking, Custody and Investments Services

RBC Europe Limited*

100 Bishopsgate, London, United Kingdom, EC2N 4AA

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

• Terms and Conditions (Banking Services) – effective from March 17, 2025
• Terms and Conditions (Fixed Term Deposits – longer than one year) – effective Jan. 26, 2024
• Terms and Conditions (Fixed Term Deposits – 12 month term) – effective Nov. 18, 2024
• Terms and Conditions (Investment and Custody Services) – effective from Jan. 4, 2023 
• Terms and Conditions (Investment Services – RBC Europe Limited & Custody Services – Royal Bank of Canada (Channel Islands) Limited) – effective Aug. 1, 2024
• Terms and Conditions (Execution Only Services) 
• Terms and Conditions (Notice Account) – effective until May 19, 2025
• Terms and Conditions (Notice Account) – effective from May 19, 2025
• Terms and Conditions (Stocks and Shares ISA) 
• Terms and Conditions (High Interest Savings account) – Effective Nov. 4, 2024
• Terms and Conditions (Online Services) – Effective February 1, 2024
• Terms and Conditions (Hub Services) – effective Oct. 1, 2023
• Sending payments to RBC Europe Limited – effective Nov. 15, 2024
• Bank rates and charges
• Glossary of banking terms
• FSCS Information Sheet 
• FAQs for Annual Statement of Fees
• Account switching service
• Engagement policy 

Royal Bank of Canada, London Branch

100 Bishopsgate, London, United Kingdom, EC2N 4AA

Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority

• Terms and Conditions – effective from March 17, 2025
• Bank charges – effective until May 19, 2025
• Bank charges – effective from May 19, 2025
• Glossary of banking terms
• FSCS Information Sheet
• FAQs for Annual Statement of Fees
• Account switching service

Royal Bank of Canada (Channel Islands) Limited*

Gaspé House, 66-72 Esplanade, St Helier, Jersey, Channel Islands, JE2 3QT

C/o Mourant Governance Services (Guernsey) Limited, Royal Chambers, St Julians Avenue, St. Peter Port, Guernsey, Channel Islands, GY1 4HP

Regulated by the Jersey Financial Services Commission in the conduct of deposit taking, fund services and investment business in Jersey.

Regulated by the Guernsey Financial Services Commission in the conduct of deposit taking and investment business and to act as a custodian/trustee of collective investment schemes in Guernsey.

• Terms and Conditions – effective from August 1, 2024
• Terms and Conditions Verified by Visa Service – effective from May 25, 2018
• Terms and Conditions (Online Services) – effective February 1, 2024
• Terms and Conditions (Notice Account) – effective April 17, 2025
• Terms and Conditions (Hub Services) – effective October 1, 2023
• Royal Bank of Canada (Channel Islands) Limited – Terms of Business Execution-Only Addendum – June 2024
• Royal Bank of Canada (Channel Islands) Limited – Addendum for transferring Advisory dealing service clients of RBC Brewin Dolphin (Jersey Branch)
• Sending payments to Royal Bank of Canada – (Channel Islands) Limited
• Bank rates and charges
• Standard settlement instructions (Custody agents)
• Custody Solutions Funds Placement Service – STP Funds 
• Custody Solutions Funds Placement Service – Manual Funds / Hedge Funds
• Investment Services Risk warnings and notice 
• Channel Islands Depositor Compensation Schemes

Private Client Fiduciary Services

RBC Trust Company (International) Limited

Gaspé House, 66-72 Esplanade, St Helier, Jersey, Channel Islands, JE2 3QT

Regulated by the Jersey Financial Services Commission in the conduct of fund services and trust company business in Jersey.

• Terms and conditions – effective from Nov. 30, 2023
• Scale of Fees – effective from Feb. 14, 2025
• Privacy notice – effective from Nov. 4, 2024