Benefits of RBC Online Banking

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Stay Up to Date

Check your balances, transaction history, schedule bill payments and track your spending 24/7. Plus so much more!

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Save Time

Pay bills, transfer funds, send money and apply for products—whenever it’s convenient for you.

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Get the Full Picture

Link your other RBC U.S., Business or Investment accounts and access them all with a single sign-in.

RBC Online Banking1 Features

Highlights

  • Check your account balances
  • Transfer money between accounts
  • Pay your bills
  • Send money fast

Banking Features

Stay On Top Of Your Banking

View your account details and transaction history for the last seven years. You can also set up and receive RBC Alerts about your banking activity and available RBC Offers.

Transfer Funds Between RBC Accounts

It’s a breeze to move money to your savings account, pay down your credit card, loan or credit line, or make a payment on your mortgage2. You can also transfer money between your RBC Royal Bank Canadian and RBC Bank (U.S.) accounts, instantly and for free3.

Pay Bills At Any Time

Pay one or multiple bills at once (it will only count as one transaction2), and set up future payments for regular bills.

Send Money

It’s simple and FREE4 to send money to anyone with an email address or cell phone number using the Interac e-Transfer service. Or use our International Money Transfer service and send money to almost any country in the world (including the U.S.) for only $13.95 per transaction5.

Manage Your Credit

Easily access your RBC Royal Bank credit cards and credit lines. View your balance and available credit, make payments, apply for a new credit line or request a limit increase.

Keep Track Of Your Mortgage And Loans

Stay on top of your mortgage and loan details including your outstanding balance, interest rate and payment details. You can also skip a payment or make a double-up or lump sum payments on your mortgage.6

Manage Your Investments

Track your RBC Royal Bank investments, RBC Direct Investing and RBC Dominion Securities accounts in one convenient place. Plus, contribute to your RRSP, renew GICs, buy RBC Mutual Funds and get personalized investment advice with MyAdvisor.

Order Foreign Cash Online

Purchase foreign cash 24/7 through RBC Online Banking and pick it up at any of the 1,200+ RBC branches in Canada.7

Secure Message Centre

Have a question about your accounts or a recent transaction? Send us a message through our Secure Message Centre and we’ll get back to you within 48 hours. It’s a secure and convenient way to reach a helpful RBC representative.

Apply For Insurance

Purchase insurance coverage for your RBC loans, mortgages or credit cards or get travel insurance coverage for your next trip.

RBC Rewards

  • Check your RBC Rewards points balance
  • Shop for merchandise, book travel, buy gift cards and more
  • Bookmark searches or favourites and come back later to redeem

Learn about RBC Rewards

Business Banking

  • Easily toggle between your personal and business bank accounts
  • Simplify your recurring payments to employees and other vendors, or make a one-time Interac e-Transfer
  • Simplify your business accounting processes
  • Maximize cash flow and submit government payments efficiently

Learn about Online Banking for Business

U.S. Banking

  • Sign into RBC Online Banking only once and access your U.S. Bank accounts
  • Keep up with your RBC Bank U.S. bank account and credit card balances
  • Pay U.S. bills and review your transaction history
  • Transfer money between your RBC U.S. and Canadian accounts instantly – for free8.

Learn about RBC Bank (U.S.)

Your Money is Always Safe

RBC Digital Banking Security Guarantee

Should anything ever happen, we’ve got you covered. We’ll fully reimburse you for any unauthorized transactions7 made through the RBC Mobile app or RBC Online Banking.

Find Out More about the Digital Banking Guarantee

24/7 Security

We’re at the forefront of cyber-security and use the latest and most advanced technology to keep your information secure—no matter when or how you bank.

Learn About Security at RBC

Top Questions about RBC Online Banking

To sign in to Online Banking:

  • Go to the Online Banking sign in page.
  • Enter your Client Card number (or username) and password. If you’ve created a username before, you need to use it to sign in.
  • Click Sign In.

When you bank online - or even with your mobile phone - you can easily check your balances, view your transactions or statements, pay bills and transfer funds at any time – wherever and whenever it’s convenient for you. And when you use RBC Online Banking, you also have access to myFinanceTracker – an online money management tool that automatically categorizes your expenses, letting you track your spending, set savings targets and create a budget in minutes.

Online Banking is also an extremely safe and secure way to bank, so you can be confident your money is protected at all times.

To learn more, check out the following RBC Advice Centre content:

No matter what kind of RBC account you have, enrolling in RBC Online Banking is easy! Go to RBCRoyalBank.com. On the right side of the page in the Sign In box, select Enrol Now.

Enrol Online

As a personal banking client you'll need your RBC Royal Bank Client Card or credit card to enrol.

If you are an automotive finance, mortgage, credit line, Homeline, loan or investment client, you’ll need your account number and transit number.

If you’d like to enrol your business account for Online Banking, you’ll need your RBC Royal Bank Business Client Card.

Enrol in person or on the phone

Alternatively, you can visit a local branch or call the RBC Advice Centre at 1-800-769-25551-800-769-2555.

Business clients can call us at 1-800-769-25201-800-769-2520.

Your banking password is the same for both online and mobile, so you can reset it either way.

Online banking:

Go to the Online Banking Sign-In page and select Reset Your Password, just below the Password field. Then follow the instructions on the screen.

RBC Mobile Users:

If your account is temporarily disabled, you can tap the Reset Password link anytime directly from the Sign In page. Then follow the instructions on the screen.

You will be sent a temporary authentication code via text (SMS), email or voice mail, which ever you prefer.

Remember: You’ll need your RBC Royal Bank Client Card number or an RBC Royal Bank Credit Card number associated with Online Banking.

The next time you’re going to sign in:  

  • Enter your Client Card number/username and password
  • Check the box Remember Me.
  • Click Sign In.
To protect your accounts, it’s a good idea not to use Remember Me on public computers.

You can make a bill payment in Online Banking.

Before you can make bill payments in Online Banking, you'll need to set up a list of payees. Sign in to Online Banking and select the "Manage Payees" option from the Accounts Summary page. You can then choose “Add Payee” in the left side menu and follow the instructions.

To make a payment online:

  • From the Accounts Summary page go to Quick Payments & Transfers on the right side of the page. You can also click on "Pay Bills" from the information box at the top of the page when viewing your chequing or savings account.
  • Select the Amount, the "From" Account and the recipient in the "To" field.
  • Follow the on-screen instructions and select “Submit.”

Whether you're at home or away you can arrange to have payments and transfers made at a predetermined frequency or specified dates. Simply specify the amount and how often you want the transfers to occur (such as once a week, every 2 weeks or once a month).

More Help - please see customer service page for more questions

 
RBC Direct Investing Inc.*, RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc. *Member-Canadian Investor Protection Fund.
1.
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 for personal banking clients, and the Client Card Agreement and the Master Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Cardholders are not liable for losses resulting from circumstances beyond their control provided they have taken reasonable precautions to protect their Client Card and PIN (if applicable) as set out in the Client Card Agreement. Formerly known as the RBC Online Banking Security Guarantee.
2.
Please note that each payment to a third party from your RBC Royal Bank credit card account is treated as a cash advance (up to your available credit and daily limits) and is subject to the standard annual interest rate applicable to your credit card account, from the day the cash advance is posted until the balance is paid in full. A $3.50 cash advance fee/transaction applies and will be charged to your credit card account. If paying from a Royal Credit Line regular interest charges apply. See your Royal Credit Line Agreement for details.
3.
Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will reflect the date of transfer.
4.
Interac e-Transfer transactions are free for all personal chequing accounts. An Interac e-Transfer fee of $1.00 for RBC personal savings accounts, or $1.50 for RBC business deposit accounts, may apply. Service not available on U.S. chequing accounts.
5.
Available Only Where Permitted by Law. The products, services and securities referred to on this web site are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this web site should not be construed as an offer by RBC Dominion Securities to sell specific securities in any jurisdiction outside of Canada.
6.
Use of this service will impact the interest costs over the life of your mortgage. Learn more about the Skip a Payment option.
7.
An excess debit transaction fee may also apply depending on the deposit account used for purchase. If you purchase foreign cash using your credit card the transaction is treated as a Cash Advance. This means that Cash Advance fees apply and interest is charged from the date of your foreign cash purchase. The foreign exchange rate is final at the time you make the purchase. Depending on the branch you have chosen for pick-up, you can expect it to take anywhere from 3-10 business days to arrive at the bank. In most cases you can expect the cash to arrive in 3 business days.
8.
Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from RBC Royal Bank or RBC Bank. Transaction may not appear on your RBC Bank (U.S.) account transaction history until the following day but will reflect the date of transfer.
9.
The TransUnion CreditView Dashboard is only available to existing RBC Online Banking clients who are age of majority in their province of residence.
10.
The CreditView Dashboard information is provided by TransUnion for educational purposes and is not intended to provide you with financial advice. We do not review or use CreditView Dashboard information, and CreditView Dashboard information cannot be interpreted as credit approval. As such, Royal Bank of Canada is not liable for any decision you make based on CreditView Dashboard information. For help with your financial needs and financial advice, please talk to us. In order for you to access the CreditView Dashboard, we must share your name, address and date of birth with TransUnion each time you click on the "View Your Credit Score" link in Online Banking.