International Money Transfer

Most personal clients with access to RBC Online Banking or the RBC Mobile app can send an International Money Transfer⁶.

Using the International Money Transfer service, you can send money to more than 200 countries worldwide.

While IMT is not available to recipients in Canada, clients 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.

Please refer to your RBC Online Banking or your RBC Mobile App.

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 1-3 business days. However, in some cases, payments may take additional time and take up to 7 business days before being completed. If 6 business days or more have passed since the date you sent the transfer and you've confirmed that the recipient has still not received the funds, we can investigate the transfer for you. There is a fee for investigations.

While RBC doesn't charge the recipient any fees for receiving money, an intermediary financial institution or the recipient's financial institution may require additional fees or service charges to be paid.

You will need:

• An eligible RBC Royal Bank personal chequing account¹
• Access to RBC Online Banking³ or the RBC Mobile app
• The recipient's bank account number, IBAN (for IBAN countries), CLABE (for Mexico), or the Business Identifier Code (SWIFT BIC or ABA for the USA) for the bank/branch where the funds are to be sent to or picked up.

If signed into RBC Online Banking:

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

On the RBC Mobile app:

• Open and sign in to the RBC Mobile app
• Select "Send Money" for Android or "Move Money" for iOS
• Select "International Money Transfer"
• Follow the on-screen instructions. Please note, to send a transfer through the RBC Mobile app, the recipient must have been preregistered through RBC Online Banking.

There are two ways your recipient can receive the funds:

• Deposit to Account: If you know your recipient's bank name, SWIFT BIC, or ABA (for the USA) and account number, IBAN (for IBAN countries), or CLABE (for Mexico), we'll simply transfer the funds directly into the recipient's 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 I.D.). 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.

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

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

Yes, your transactions are entirely covered by the RBC Digital Banking Security Guarantee². In addition, 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).

Yes, for up to $1,000, the transfer fee is $6.00⁴. For amounts higher than $1,001 the transfer fee is $10.00⁴.

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.

You may not see all your accounts listed here. International Money Transfers aren't available at this time with any of our U.S. dollar accounts or the RBC High Interest eSavings account.

No, once a transfer has been sent, it can't be changed and typically can't be reversed, which is why it's essential to verify all the information you've provided is accurate before sending a transfer. Additionally, transfer fees are non-refundable.