Финансы в Канаде
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Я вам помогу почитать мелький шрифт. http://www.rbc.com/ipadoffer/ видим модель, которая в инете $429.99 · In stock
PART A Definitions “Eligible Personal Banking Account” means any of the following accounts: RBC Signature No Limit Banking® (monthly fee of $15.95; $16.95 effective August 1 2022)
Conditions that apply to the Promotional Offer: Your Eligible Personal Banking Account must remain open and in good standing, and the Qualifying Criteria you performed to receive the Reward (for example, setting up payroll/pension deposit or pre-authorized payments) must remain in effect until at least October 31, 2023.
If you received the Reward and then downgraded, changed or closed your Eligible Personal Banking Account or undid any of the Qualifying Criteria you performed to receive the Reward (for example, cancelled a payroll/pension deposit or pre-authorized payment) at any time prior to October 31, 2023, we reserve the right to debit your Eligible Personal Banking Account or any of your accounts with us for the value of the Reward you selected, as described in the table below, plus applicable taxes, even if this places your account into overdraft or causes you to exceed your account’s credit limit, as relevant. If your Eligible Personal Banking Account is closed and you do not have any other account with us at that time, we will send you an invoice for the value of the Reward you selected, as described in the table below plus applicable taxes, which you agree to pay within 30 days from the date of receipt, which shall be deemed to be 5 business days from its postmark date.
Оплат за счёт Jun-22 - Oct-23 всего 286.15
Но если вы прервете условия вы заплатит пропорционально ща каждый месяц исходя из 429+тах
Т.е. вроде бы выгода, но с ноября 2023 вы же не перейдете на счёт без абонплаты, правда? потому что нет такого, минимум 4 дол. Вы скажете - можно открыть 3 продукта и получит бесплатно. А вы откроете? а комиссию в rbcdirectinvest видели?
с другой стороны, можно открыть бесплатный чекинг в онлайн танжерин/псфинанс/EQ и и купить планшет и через 2 года быть "в плюсе"
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спасибо. Если бы без "Я вам помогу почитать мелький шрифт" вообще было бы приятно, что помогли разобраться.
Там еще интересно, что можно снизить месячное фи с 15$ до 9$ или 4$ сразу после открытия:
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or a bill payment made at minimum once per month. Conditions apply.
Тогда открыв кредитку, цена чекинга снижается до 9.
Бесплатный танжерин тогда становится выгоднее через ~4 года, к тому времени планшет уже ломается\выбрасывается. Выгоды не вижу.
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Ещё как вариант можно уйти с rbc после окончания срока выплаты за Айпад, тогда совсем выгодно получается. Понимаю, что это неудобно, придется пейролл в другой банк переводить, но выполнимо при желании.
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