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Personal Banking > Bank Accounts > Managing Your Bank Accounts > Payment Services > International Money Transfer > Frequently Asked Questions
Have a question about sending money internationally through RBC Online Banking or the RBC Mobile app using the International Money Transfer service? Check here for the answer. Don't see your question? Call 1-800-769-2555 to get help in more than 150 languages.
Most personal and business clients that have access to RBC Online Banking or the RBC Mobile app can send an International Money Transfer(6).
Using the International Money Transfer service, you can send money to more than 200 countries worldwide. This service isn't available to recipients in Canada and restricted countries.
To send money to a Canadian recipient you can use the Interac e-Transfer service in RBC Online Banking or the RBC Mobile app – FREE for all RBC Royal Bank personal chequing accounts.
The daily limit is $2,500.
You can use the service as much as you like, provided you don't exceed the daily limit and there are enough funds in the account.
Typically the recipient can access the funds within 2-5 business days.
While RBC doesn't charge the recipient any fees for receiving money, any intermediary financial institution or the recipient’s financial institution may require additional fees or service charges to be paid.
You will need:
If signed into RBC Online Banking:
On the RBC Mobile app:
There are two ways your recipient can receive the funds:
No. You can send money any time of the day or night, regardless of what time it's in your recipient’s country.
Yes, money you send using this service will arrive safely, provided that you have correctly entered the sending instructions.
Yes, your transactions are completely covered by the RBC Digital Banking Security Guarantee(2). We'll fully reimburse any unauthorized transactions made in RBC Royal Bank Online Banking or the RBC Mobile app.
Typically, your recipient will receive the funds in the currency you specify. However, some countries may convert the funds into local currency (conversion fees may apply).
No. $13.50 is the flat fee per transaction(4).
Depending on the amount you're sending, our fee can be up to 3 times lower than other online services. For example, the cost to send $2,500 CAD from Canada to China using Scotiabank or Bank of Montreal (BMO) Western Union online transfers would be $52.00 CAD.
No. You can choose to save your recipient’s information in both RBC Online Banking and the RBC Mobile app.
For assistance with your payment online, call us at 1-800-769-2555. We’re here 24 hours a day, 7 days a week.
For information on what BIC to use, please contact SWIFT; for information on ABAs contact FEDwire.
For information on IBANs please contact your recipient.
1) Cannot remit funds from any US dollar account or the RBC High Interest eSavings account.
2) For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement . This guarantee is given by Royal Bank of Canada in connection with its Online Banking or Mobile app services.
3) RBC Online Banking and the RBC Mobile app areprovided by Royal Bank of Canada.
4) Additional service fees by any intermediary and receiving bank may apply.
5) If you are eligible, we may give you the option to exceed the maximum daily limit up to $10,000 CAD per day, if you successfully complete an additional authentication process. This involves receiving a one-time password by text message from us to your mobile phone and entering it in order to complete the transaction. To be eligible for this service, you must have a Canadian mobile phone number recorded with us. Otherwise, the maximum daily limit is $2,500 CAD.
6) If this service is not available to you, please call 1-800-769-2555.