Royal Bank of Canada (RBC) Online Banking in Canada
At‑a‑Glance
- Availability: National (RBC clients across Canada).
- Platforms: Web, iOS and Android.
- Languages: English, French.
- 2FA Options: SMS codes and push notifications via the RBC Mobile app.
- Daily e‑Transfer Limit: $3,000/day (standard personal accounts).
- Common Features: Check balances, pay bills, transfer funds, send Interac e‑Transfers and deposit cheques by photo.
How It Works
- Enroll: Visit the RBC Online Banking enrolment page or open the RBC Mobile app and select "Enroll Now." You'll need your client card number or credit card number and postal code.
- Create Login: Follow the prompts to choose a username and password.
- Verify Identity: Answer security questions and confirm your email and phone number.
- Enable 2FA: Turn on 2‑Step Verification; RBC will send a message to your trusted device whenever a sign‑in occurs from a new device.
- Start Banking: Sign in to view balances, pay bills, transfer between accounts, send Interac e‑Transfers and deposit cheques with your phone.
Fees & Limits (Summary)
| Service | Amount | How to Verify |
|---|---|---|
| Monthly account fees | $4.00–$16.95 (varies by account type) | See RBC account options |
| Interac e‑Transfer fee | $0–$1.00 (some accounts include unlimited) | View RBC e‑Transfer fees |
| Daily e‑Transfer limit | $3,000/day | RBC e‑Transfer limits |
| ATM withdrawal limit | Not published by provider | Contact RBC or see your account agreement |
Mobile App (iOS/Android)
RBC offers full-featured mobile apps for iOS and Android. You can download them from the official app stores:
Minimum OS versions: iOS 13+; Android 8+. Typical permissions include camera (for mobile cheque deposit), contacts (to select e‑Transfer recipients) and push notifications. RBC updates its app monthly to fix bugs and add features.
Security & 2FA
RBC uses industry-standard encryption and continuous fraud monitoring. Its Digital Banking Security Guarantee promises to reimburse you for unauthorised transactions if you take reasonable care. Two‑Step Verification sends a message to your trusted device whenever someone tries to sign in from another device.
Common Tasks
- Check account balances and recent transactions
- Pay bills and schedule future payments
- Transfer funds between your accounts
- Send Interac e‑Transfers to anyone in Canada
- Deposit cheques by taking a picture in the app
- Manage payees and update personal information
Support & Hours
Use the current contact details on the provider’s official website or your bank card. Channel availability and opening hours can change; branch hours may differ.
Frequently Asked Questions
How do I enroll in RBC Online Banking?
Go to the RBC Online Banking enrolment page and follow prompts to enter your client card number and postal code. You'll create a username and password.
Is there a fee for sending Interac e‑Transfers?
Some RBC accounts include unlimited free e‑Transfers; others charge $1.00 per transfer. Check your account type.
Are my accounts secure?
Yes. RBC uses encryption, 24/7 fraud monitoring and two‑step verification.
Can I deposit a cheque with my phone?
Yes. The RBC Mobile app lets you take a photo of your cheque and deposit it directly.
Where can I find the RBC mobile app?
Search "RBC Mobile" in the App Store or Google Play, or use the links above.