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.

1. Who can send an International Money Transfer?
2. Where can I send money?
3. How much money can I send overseas at a time?
4. How often can I use this service?
5. When will the money be available to my recipient?
6. Will my recipient have to pay any fees?
7. What do I need to send money overseas?
8. How do I use this service?
9. What does my recipient need to do in order to receive the funds?
10. Do I have to send money during banking hours in my recipient’s country?
11. Will the money I send using International Money Transfer arrive safely?
12. Are transactions covered under the RBC Digital Banking Security Guarantee?
13. In what currency will my recipient receive the funds?
14. Does the fee change based on the amount of money I send?
15. Is the fee competitive compared to other services?
16. I send money to one recipient regularly. Will I have to re-enter the same information every time?
17. Where can I get help with this service?

1. Who can send an International Money Transfer?

Most personal and business clients that have access to RBC Online Banking or the RBC Mobile app can send an International Money Transfer⁽⁶⁾.

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2. Where can I send money?

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.

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3. How much money can I send overseas at a time?

The daily limit is $2,500.

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4. How often can I use this service?

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.

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5. When will the money be available to my recipient?

Typically the recipient can access the funds within 2-5 business days.

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6. Will my recipient have to pay any fees?

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.

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7. What do I need to send money overseas?

You will need:

• An RBC Royal Bank personal chequing or savings account⁽¹⁾
• Access to RBC Online Banking⁽³⁾ or the RBC Mobile app
• The recipient’s bank account number /IBAN/CLABE (for Mexico) or the Business Identifier Code (SWIFT BIC/ABA) for the bank/branch where the funds are to be sent to or picked up.

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8. How do I use this service?

If signed into RBC Online Banking:

1. On the right side of the Accounts Summary page under Quick Payments & Transfers, select “International Money Transfer”.
2. Follow the on-screen instructions.

On the RBC Mobile app:

1. Open and sign in to the RBC Mobile app
2. Tap on “Send Money” / “Move Money” and select “International Money Transfer”
3. Follow the on-screen instructions.

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9. What does my recipient need to do in order to receive the funds?

There are two ways your recipient can receive the funds:

• Credit Account: If you know your recipient’s bank name/SWIFT BIC/ABA and account number/IBAN/CLABE, we'll simply transfer the funds directly into his or her account.
• Pay Upon Identification: If your recipient doesn't have a bank account, we can transfer the funds to an international bank branch at an address you specify. The bank will release the funds to your recipient with proof of identity (such as a government-issued photo ID). Please ask the recipient to confirm with their bank if this payment method is available before sending the funds. In addition, it's a good idea to have the recipient also check with their bank what type of identification is needed.

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10. Do I have to send money during banking hours in my recipient’s country?

No. You can send money any time of the day or night, regardless of what time it's in your recipient’s country.

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11. Will the money I send using International Money Transfer arrive safely?

Yes, money you send using this service will arrive safely, provided that you have correctly entered the sending instructions.

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12. Are transactions covered under the RBC Digital Banking Security Guarantee?

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.

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13. In what currency will my recipient receive the funds?

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).

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14. Does the fee change based on the amount of money I send?

No. $13.50 is the flat fee per transaction⁽⁴⁾.

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15. Is the fee competitive compared to other services?

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.

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16. I send money to one recipient regularly. Will I have to re-enter the same information every time?

No. You can choose to save your recipient’s information in both RBC Online Banking and the RBC Mobile app.

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17. Where can I get help with this service?

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.

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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.