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Have You Made Your RRSP Contribution Yet?

Whether you choose an RRSP savings deposit, GIC or mutual fund, or a combination, we've made it easy to make this year's contribution and plan your long-term strategy at any RBC Royal Bank branch, by phone or online.

You are on: Top Questions

Frequently Asked Questions


How Do I...

You are on: Contribute Online

Contribute Online

You can conveniently make additional contributions to your RBC Royal Bank® RRSP through Online Banking. Investment choices include GICs, RBC Funds and RBC® Savings Deposits!

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To make RRSP contributions online you must be enrolled in Online Banking and have an RRSP account.

Contribute to your RRSP online

You are on: Request a duplicate copy of my contribution receipt

Request a duplicate copy of my contribution receipt

Need a duplicate copy of your RRSP contribution receipt? We'll be happy to provide you with one. Just send us a secure email through the Online Banking Message Centre with the details, or call us any time at 1-800-463-3863, and we'll take care of it for you.

You are on: Make a withdrawal

Make a withdrawal

Although you can withdraw money from your RRSP before you retire, it's not recommended because you will have to pay taxes on the withdrawal and it will have a negative impact on your retirement plan. Withdrawals must be declared as income on your tax return at the end of the year and withholding tax will also be deducted at source from the amount withdrawn.

If you do decide you would like to withdraw from your RRSP, you can do so in several ways:

  • Call us any time at 1-800-463-3863. We'll be happy to help you.
  • Visit your branch. We recommend calling 1-800-769-2511 to make an appointment.
  • If the money is held in an RRSP Savings Deposit or is available in a Guaranteed Investment Certificate (GIC), we can also process your withdrawal if you send a secure email, including the details, through the Online Banking Message Centre.

You are on: Open an RRSP

Open an RRSP

We offer 2 convenient options for opening a new RRSP:

1. Call us at 1-800-463-3863. We'll be pleased to discuss your goals for retirement and help you choose the type of investments that best suit your objectives.

2. Visit any local RBC Royal Bank branch. We recommend booking an appointment ahead of time by calling us at 1-800-769-2511.

Once your RRSP account has been opened and you've deposited an initial contribution, you'll also be able to view and transact on your account through RBC Online Banking.

You are on: Know when to expect my tax receipts

Know when to expect my tax receipts

We mail tax slips for interest, dividends, capital gains and withdrawals in late February. Receipts for RRSP contributions made from March 2 to December 31 are mailed in late January; receipts for RRSP contributions made in the first 60 days of the year are mailed in mid-March. If you haven't received your tax slip or receipt within three weeks of the mailing date, please let us know by either sending us a secure email through your Online Banking Message Centre, or by calling us at 1-800-463-3863.

If you need your tax slip or RRSP contribution receipt immediately, please visit your nearest RBC Royal Bank branch.

You are on: Start, Change or Stop My RSP-Matic®

Start, Change or Stop My RSP-Matic®

You can start, change or stop your RSP-Matic schedule in one of 3 ways:

  • Through the Online Banking service – click directly on your RRSP, and then on "Manage Pre-Authorized Contributions", from the menu on the left.
  • Call us any time at 1-800-463-3863. We'll be happy to help you.
  • Visit your branch. We recommend calling 1 800-769-2511 to make an appointment.

If your RRSP is invested in mutual funds, we recommend you start by reviewing your Investor Profile, since it must be up to date before you can start, change or stop your RSP-Matic payment schedule.


You are on: Phone

By Telephone

Advisors are available 24 hours a day, 7 days a week to help you.

Contact Phone Numbers
Service Phone number
Toll-free 1-800-463-3863

You are on: In Person

Visit Your Local Branch

For more information or to inquire about opening an account, contact your local branch to book your appointment. When calling please select the option for booking an appointment and ask about what information you will require for your appointment.


You are on: Online

Contribute Online

RBC Royal Bank customers can make additional RRSP contributions to GICs, as well as RBC Funds and RRSP Savings Deposits – all online.

Contribute to your RRSP online

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The material in this special report is intended as a general source of information only, and should not be construed as offering specific tax, legal, financial or investment advice. Every effort has been made to ensure that the material is correct at time of publication, but we cannot guarantee its accuracy or completeness. Interest rates, market conditions, tax rulings and other investment factors are subject to rapid change. Individuals should consult with their personal tax advisor, accountant or legal professional before taking any action based upon the information contained in this special report.

Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.