Making Business Payments Easier to Manage
Paying your suppliers, staff, government agencies and even yourself is all part of doing business. Now you can make those payments easy, fast and convenient with RBC Online Banking for business. We have a range of solutions that fit your business.
Payment Methods
Don’t Miss Making Your Payments
Take the tedium out of paying bills and make sure you don’t miss another deadline when you set up your payments online:
- Save time and money: Pay your bills online 24/7, any time of the day.
- Convenience: Pay up to 10 bills at one time with the Pay Multiple BillsLegal 1 feature available through RBC Online Banking for business, submitting payments with just one click.
- Manage your cash flow: Keep your money longer and time your payments closer to the due date.
- Easy auditing: Access your payment history for up to six months and always know what bills you’ve paid, when and for how much.
Sign In to RBC Online Banking for Business to Get Started
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Easy Interac e-Transfer TransactionsLegal 2
Now you can say goodbye to cheques, envelopes and stamps – send one-time payments anywhere in Canada electronically.
- It’s simple. All you need is the recipient’s name and email address or mobile phone number.
- It’s fast. Recipients are notified of transfers by email or text message and can deposit the money immediately through Online Banking or their mobile banking app.
- It’s secure. The money is transferred through Online Banking or Mobile Banking and the Interac network, not by email or text message. The shared security question you create with the recipient means only they can access the money you send. Plus you’re protected by the RBC Digital Banking Security Guarantee.Legal 3
Sign In to RBC Online Banking for Business to Get Started
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Get a Business Credit Card for Your Business Expenses
Spend your time focused on growing your business, and less time managing expenses. Having an RBC business credit card helps you save time by simplifying tax filing and accounting, and keeping business expenses separate from personal.
With the RBC Avion Visa Infinite Business card you can earn Avion points fasterLegal ‡, enjoy premium travel benefits and access to other exclusive privileges.
- Earn 1.25 Avion points for every $1 you spend in net purchases with your card, on up to $75,000 per yearLegal 4. And your points never expire! You can earn now to travel later or redeem for brand name merchandise & gift cardsLegal 5.
- Gain access to Visa Spend Clarity for Business – a simple and powerful tool that helps you mange cash flow more efficiently and make more informed business decisions.
- Roll up the Avion points earned from your employees Avion cards into one account and combine your points between your business and personal Avion cardsLegal 15 – more flexibility to manage your points and get the rewards you want sooner.
- Enjoy a suite of premium insurance coveragesLegal 6 – including Mobile Device InsuranceLegal 7 and Emergency Medical.
Get 25,000 Avion points upon enrollmentLegal 8.
To get started simply call to speak to an advisor and to enrol.
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Call 1-866-855-1297 1-866-855-1297 |
Quick and Secure Online Wire Payments
Wherever you do business, you can send and receive wire payments. Pay your vendors and suppliers in Canada, U.S. or internationallyLegal 9 electronically.
- It’s fast: Send wire payments online.
- It’s easy: You can send up to $10,000 CADLegal 10 a day from your Canadian or U.S. dollar business deposit accountLegal 11 in more than 30 currenciesLegal 12.
- It’s secure: To complete your transaction you will need to enter a one-time password that will be sent to your mobile phoneLegal 13.
Sign In to RBC Online Banking for Business to Get Started
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Efficient Online Tax Filing
Save the cost of cheques and avoid late fees by filing your taxes online. Whether it’s income tax, GST or payroll tax, it’s fast, easy and convenient.
- Simple: Set up your tax payment accounts in the system and you can submit recurring tax payments such as GST, PST or HST with ease.
- Convenient: File over 50 federal and provincial tax returns online any time of day or night.
- Improve your cash flow: Keep your money longer when you set up automatic payments and time them to the due date.
- Reduce paperwork: Submitting your taxes online will eliminate paper forms, cheques, stamps and envelopes from your processes.
- Ease of record keeping: Online access to payment history and transaction confirmation numbers make record keeping easy.
- Accelerate your refunds: Filing your taxes online ensures your file reaches the correct destination and allows for faster processing of your refunds.
Sign In to RBC Online Banking for Business to Get Started
Once signed in to RBC Online Banking for business, click on “Pay Bills and Transfer Funds” and select “Tax Filing Service” to enrol.
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Don’t have RBC Online Banking? Sign up Now |
Convenient Electronic Payments to Your Employees and Vendors
Now you can manage your employee and vendor payments easier with the Pay Employees and Vendors service within Online Banking for business.
- No need for cheques: Send recurring or one-time payments electronically to your recipients at any financial institution in Canada.
- Convenient: Send up to $5,000 in payments dailyLegal 14 in Canadian or U.S. dollars.
- Avoid being late: Set up postdated payments up to 173 days in advance, and time them to the due date.
- Stay informed: Receive email notifications and know when your payments have been processed and completed.
- Easy record keeping and auditing: Access your payment history for up to 120 days and always know who you’ve paid and when. Plus, take advantage of a detailed payment reporting.
Sign In to your RBC Online Banking for Business to Enrol
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Your Security Is Our Priority
The RBC Digital Banking Security Guarantee is designed to provide you with greater peace of mind: if an unauthorized transaction is conducted through your RBC Online Banking service, you will be reimbursed 100% for any resulting losses to those accounts provided you fulfilled your responsibilitiesLegal 3.
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With the RBC Avion Visa Business credit card, you earn 1 Avion points per $1 in net purchases.
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All existing fees and enrolment requirements for RBC business bill payment services are applicable.
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Fees apply. Subject to applicable terms and conditionsOpen PDF in new window. Transfers can only be made from Canadian dollar bank accounts. See Interac e-TransferOpen PDF in new window for more details.
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Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
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You will earn: (i) 1.25 Avion point per $1 in net purchases you make with your card, up to a maximum of $75,000 in net purchases per Annual Period, and (ii) 1 Avion point per $1 in net purchases you make with your card in excess of $75,000 during an Annual Period, unlimited. “Annual Period” means the twelve (12) full monthly statement periods each year, starting with your January monthly statement and ending with your December monthly statement or, if you are a new Avion Visa Infinite Business cardholder, the period starting on the day your card is issued and ending with your December statement. Each year, on the first day of your January monthly statement, your annual net purchase amount, for the purpose of determining your earn rate only, will automatically reset to zero. Please note that monthly statement periods don't necessarily line up with the beginning and end of a calendar month. Avion points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged. For more details on the Avion Rewards program, please visit avionrewards.com/terms-and-conditions.
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All rewards are subject to availability and may change without prior notice. For complete terms, conditions and restrictions that apply to the Avion Rewards program, please visit: avionrewards.com or call 1-800-769-2512.
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Coverage underwritten by RBC Insurance Company of Canada.
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All insurance is subject to limitations and exclusions. Please refer to the product’s http://www.rbcroyalbank.com/credit-cards/documentation/pdf/avion-visa-infinite-business-insurancecertificate.pdf for complete details.
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To receive the 25,000 welcome Avion Rewards (“Welcome Points"), your application must be approved by us. Upon enrolment, 25,000 welcome Avion points will appear on your first credit card statement. Welcome Points are only offered to the first Primary Business Cardholder on the account. Additional Primary Business Cardholder(s), Secondary Business Cardholder(s), as well as existing RBC Avion Visa Infinite Business cardholders, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time.
- Annual Fee: $175
- Purchase Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- Additional Card: $75 (max. of 9 additional cards) Additional Fees:
- Cash Advance Fee: $3.50 in Canada and $5.00 outside of Canada
- Dishonoured Payment Fee: $45.00
- Overlimit Fee: $29.00
- Additional Copies: $5.00 Monthly Statement, $1.50 for Statement Updates at the ATM, $2.00 for Transaction Receipts
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Not available to recipients in restricted countries. The financial institution on the receiving end of the transaction may have other requirements.
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Funds must be available in the account on the date of the transaction.
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Some accounts are not eligible to use in funding a wire payment (i.e. High Interest Notice Account).
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The list of currencies may change from time to time and without notice.
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The authentication process 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.
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Sufficient funds must be available in your RBC business deposit bank account. Higher limits may be available to security token holders, inquire by speaking with a Business Advisor.
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This feature is only available to Primary Business Cardholders. Employees who also have a personal RBC Avion Visa Platinum card or RBC Avion Visa Infinite card are not eligible to combine points. If there are multiple Business Owners I) combining Avion Rewards points between business and personal RBC Avion Visa Platinum or RBC Avion Visa Infinite cards is only available to one Business Owner, II) Avion Rewards points from all Avion Visa Business Infinite cards can only be combined into the account of one Business Owner, and III) only that Business Owner will also be able to combine Avion Rewards points between his/her business and personal RBC Avion Visa Platinum or RBC Avion Visa Infinite cards.