https://wealthnorth.ca/banking/bank-reviews/rbc/Recent content in RBC Review 2026 | Royal Bank of Canada on WealthNorthHugo -- gohugo.ioen-caSun, 03 May 2026 11:37:14 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/atm-withdrawal-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/atm-withdrawal-limit/RBC sets daily limits on ATM cash withdrawals and Interac debit purchases to reduce fraud exposure. The standard limit covers most everyday needs — grocery runs, restaurant visits, and occasional cash withdrawals — but clients who need more access on a specific day can request a temporary increase quickly through online banking or by phone. RBC ATM Withdrawal Limits at a Glance Limit Type Standard Amount Notes Daily ATM cash withdrawal $1,000 Resets midnight ET Daily Interac debit purchases Up to $5,000 Varies by account plan Daily combined (ATM + debit) Varies by plan Verify in RBC Online Banking In-branch teller withdrawal Up to full balance ID required; FINTRAC rules apply for $10,000+ These are default limits.https://wealthnorth.ca/banking/bank-reviews/rbc/hours/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/hours/RBC branch hours vary by location, with most open Monday to Friday 9:30 AM – 5:00 PM and a significant number open Saturdays. Hours are longest at branches inside shopping malls and grocery stores; standalone suburban locations tend to keep shorter hours. The branch locator at rbcroyalbank.com is the definitive source for your specific branch — the tables below reflect typical patterns, not guaranteed hours for every location. Typical RBC Branch Hours Day Standard Hours Extended (mall/urban) Monday 9:30 AM – 5:00 PM 9:30 AM – 6:00 PM Tuesday 9:30 AM – 5:00 PM 9:30 AM – 6:00 PM Wednesday 9:30 AM – 5:00 PM 9:30 AM – 6:00 PM Thursday 9:30 AM – 5:00 PM 9:30 AM – 8:00 PM Friday 9:30 AM – 5:00 PM 9:30 AM – 6:00 PM Saturday Closed or 9:30 AM – 4:00 PM 9:30 AM – 4:00 PM Sunday Closed 11:00 AM – 4:00 PM (some) Thursday is the most common extended evening for RBC branches that stay open past 5:00 PM.https://wealthnorth.ca/banking/bank-reviews/rbc/customer-service/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/customer-service/RBC offers several contact channels for personal banking support: phone, live chat through Online Banking, in-app support through NOMI, and in-branch service across more than 1,200 locations. Phone support (1-800-769-2511) is the fastest route for most urgent matters — lost cards, transaction disputes, limit increases — and is available 24/7. RBC Phone Numbers Service Phone Number Hours Personal banking (general) 1-800-769-2511 24/7 Credit cards 1-800-769-2512 24/7 RBC Direct Investing 1-800-769-2560 Mon–Fri 7 AM–8 PM ET Mortgages 1-800-769-2511 (option for mortgage) Business hours Business banking 1-800-769-2520 Mon–Fri 8 AM–8 PM ET International / collect 1-416-974-7780 24/7 TTY/TDD (hearing impaired) 1-800-661-1275 Business hours Lost or stolen debit card 1-800-769-2511 24/7 Report fraud 1-800-769-2511 24/7 Online and In-App Support Live Chat Available through RBC Online Banking during business hours (approximately Mon–Fri 7 AM–10 PM ET, Sat–Sun 9 AM–8 PM ET).https://wealthnorth.ca/banking/bank-reviews/rbc/e-transfer-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/e-transfer-limit/RBC Interac e-Transfer limits control how much money you can send per transaction, per day, and per month. For most personal banking clients on No Limit Banking or above, the limits are high enough that they rarely become a constraint for personal use — the $3,000 per-transaction cap is the most commonly encountered ceiling, typically when paying a larger bill or splitting a significant expense. RBC E-Transfer Limits at a Glance Limit Type Standard Personal Notes Per transaction $3,000 Varies by account tier Daily sending limit $10,000 Resets midnight ET Monthly sending limit $30,000 Rolling 30-day period Receiving limit No published limit Large inflows may trigger fraud review Auto-Deposit No separate limit Counts toward recipient’s daily inflow Limits by Account Type Account Per Transaction Daily Monthly Day to Day Banking $3,000 $3,000 $10,000 No Limit Banking $3,000 $10,000 $30,000 VIP Banking $3,000 $10,000 $30,000 Signature No Limit Banking $3,000 $15,000 $40,000 RBC Business Banking Higher Higher Higher Limits are subject to change.https://wealthnorth.ca/banking/bank-reviews/rbc/fees/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/fees/RBC’s fee structure follows the standard Big Five model: tiered monthly account fees with balance-based waivers, plus a schedule of service fees for transactions beyond what is included in each plan. The monthly account fee is the largest single cost for most clients — understanding when it is waived can eliminate it entirely for those with sufficient deposit balances. Monthly Account Fees Account Monthly Fee Fee Waiver Balance Transactions Included Day to Day Banking $4.https://wealthnorth.ca/banking/bank-reviews/rbc/mobile-deposit-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/mobile-deposit-limit/RBC’s mobile cheque deposit feature — available through the RBC Mobile app — allows you to photograph and deposit most personal and business cheques without visiting a branch or ATM. Deposit limits control how much can be deposited per cheque, per day, and per month. Most personal banking clients will rarely encounter these ceilings; small business owners depositing multiple large client cheques are more likely to need a limit review.https://wealthnorth.ca/banking/bank-reviews/rbc/wire-transfer-limit/Sun, 03 May 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/wire-transfer-limit/Wire transfers are the appropriate payment method when an e-Transfer is too small in amount or not accepted by the recipient — large real estate transactions, international business payments, or sending money to countries where Interac does not operate. RBC supports both domestic and international wires online (up to $50,000) and in-branch for any amount. RBC Wire Transfer Limits at a Glance Transfer Type Online Limit In-Branch Limit Notes Domestic (CAD) $50,000/day No published cap Teller discretion; ID required International $50,000/day No published cap Teller discretion; AML checks apply Business clients Higher (negotiated) Higher Contact RBC Business Banking The $50,000 online daily limit is a default.https://wealthnorth.ca/banking/bank-reviews/rbc/routing-number/Mon, 06 Apr 2026 08:00:00 -0400https://wealthnorth.ca/banking/bank-reviews/rbc/routing-number/Every Canadian bank account has three numbers that identify it in the payments system: a transit number (branch identifier), an institution number (bank identifier), and an account number. Together these route money to exactly the right account at exactly the right branch of the right bank. For RBC Royal Bank, the institution number is always 003 — it is the same for every RBC account across Canada. The part that varies is your 5-digit branch transit number, which identifies the specific branch where your account was opened.