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Wire Transfers

You can send money quickly and securely to almost anywhere in the world in any currency with a wire transfer (also called a wire payment). Wire transfers can only be sent from an RBC Royal Bank branch. For more information or for additional details about wire transfers, contact us.

Sending a wire transfer

When you ask us to send a wire transfer, we will ask you for:

  • The complete name and address for both you and the recipient. We recommend that you do not use a P.O. Box, as the wire transfer could be delayed or rejected, depending on the receiving and/or intermediary bank's policies. Also, it’s important to spell the recipient’s name correctly. Some banks will not process wire transfers if the spelling does not exactly match the name on the recipient’s account.
  • Your 5-digit transit number (including all zeros) for the RBC Royal Bank account being used to fund the wire transfer. This is the first 5 digits of the full account number displayed with your accounts in Online Banking.
  • Your 7-digit account number for the RBC Royal Bank account being used to fund the wire transfer. This is the 7-digit number that follows the 5-digit transit number displayed with your accounts in Online Banking.
  • The reason you are making the wire transfer. The receiving or intermediary bank may ask us to provide this information. If we need to contact you to get it, delays could result.
  • Information about the recipient, including their:
    • Complete bank name, address and branch’s phone number
    • SWIFT Bank Identifier Code (BIC), if available
    • International Bank Account Number (IBAN) if sending to a participating country. IBAN is a standardized account numbering system many countries have adopted. If the recipient’s bank has one and you do not provide it, there may be additional charges.
    • Clave Bancaria Estandarizada (CLABE) or Standardized Bank Code if sending to Mexico.
    • Bank account number, along with their branch or transit number and national sort code. The national sort code is composed of:
      • The national routing code. The Canadian routing code is “//CC”
      • The Financial Institution number. For Royal Bank of Canada this is “003”
      • The 5-digit transit number of the account where the funds will be received

        For example, if you’re sending a wire transfer to a Royal Bank of Canada account in Canada and the transit number of the recipient’s account is “01234” then the national sort code would be “//CC00301234”

Receiving a wire transfer

To receive a wire transfer in your RBC Royal Bank account, you will need to provide:

  • The complete name and address for both you and the sender. We recommend that you do not use a P.O. Box, as the wire transfer could be delayed or rejected, depending on the receiving and/or intermediary bank's policies.
  • Your 5-digit transit number (including all zeros) for the RBC Royal Bank account being used to receive wire transfer. This is first 5 digits of the full account number displayed with your accounts in Online Banking
  • Your 7-digit account number for the RBC Royal Bank account being used to receive the wire transfer. This is the 7-digit number that follows the 5-digit transit number displayed with your accounts in Online Banking.
  • Your bank name as “Royal Bank of Canada”
  • Your complete bank branch address
  • Royal Bank of Canada’s Financial Institution Number “003”
  • Royal Bank of Canada’s Routing/ABA number (if funds are coming from the U.S.) “021000021”
  • The Royal Bank of Canada SWIFT BIC as "ROYCCAT2" if funds are coming from another international location.
  • The national sort code. The national sort code is composed of:
    • The national routing code. The Canadian routing code is “//CC”
    • The Financial Institution number. For Royal Bank of Canada this is “003”
    • The 5-digit transit number of the account where the funds will be received
    • For example, if you’re sending a wire transfer to a Royal Bank of Canada account in Canada and the transit number of the recipient’s account is “01234” then the national sort code would be “//CC00301234”

Fees

Learn about fees associated with both receiving and sending wire transfers. (opens new window)

 
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