RBC Routing Number Canada 2026 | Transit & Institution Number

RBC Royal Bank’s institution number is 003, and it is the same for every RBC account in Canada, including accounts that moved over from HSBC Canada. Your routing number is that institution number paired with the 5-digit transit of your RBC branch: XXXXX-003 on a Canadian form, or 0003 followed by your transit where a form wants a single 9-digit number.

RBC’s SWIFT/BIC code for incoming international wires is ROYCCAT2, whichever province or branch your account is in. The routing number guides cover the same details at the other banks.

Finding your RBC transit

RBC shows the transit of each account next to its account number:

• RBC Online Banking (rbcroyalbank.com): click the account, then Account Details. The page lists the branch transit, the institution number and the account number, and offers a void cheque or direct deposit form as a PDF.
• RBC Mobile app: tap the account, then Account Details. You can create and share a digital void cheque from there, the fastest option when an employer wants one by email.
• An RBC cheque: the transit is the five digits after the cheque number on the bottom line. RBC personal account numbers on cheques are usually seven digits. Reading the numbers on a cheque shows the layout.
• An RBC branch: with photo ID, a teller can print a void cheque or direct deposit form.

A branch-by-branch transit list isn’t something RBC publishes, and the transit that matters is the one on your own account. How to find your routing number covers the other places to check.

Former HSBC Canada clients

RBC completed its acquisition of HSBC Bank Canada in March 2024 and moved HSBC Canada’s accounts onto RBC’s systems. Those accounts now use RBC’s institution number (003) in place of HSBC’s former 016, and were given RBC transit numbers.

Any payroll deposit, CRA refund, benefit payment or pre-authorized debit still set up with the old HSBC details needs the new RBC numbers. RBC Online Banking shows them under Account Details; if a payer’s system rejects the old 016 routing, the fix is to give it the RBC transit and account number shown there.

RBC numbers in a single 9-digit field

The 9-digit EFT version puts a leading zero in front of RBC’s 003 and your transit after it. It is only for forms with one combined box; where a form has separate transit and institution fields, the two numbers go in separately. The routing number formats page shows how the two versions relate.

Wiring money to an RBC account from abroad

Give the sender the SWIFT code ROYCCAT2, your full legal name as it appears on the account, your transit, your account number and a bank address. RBC’s own wire page doesn’t point senders to a single Toronto head-office address; the address to give is your own branch’s, which appears on a void cheque and in Account Details. Leaving out any of these can hold up the wire or send it back.

RBC’s sending limits and fees are in RBC’s wire limits and fees, and the wire transfer guide explains how international wires move.

RBC Direct Investing

An RBC Direct Investing account has its own account details, separate from your RBC banking transit. To link it to an outside institution, use the numbers shown inside the Direct Investing platform rather than those of your chequing account.

Where the numbers are used

Your transit, 003 and account number are what payroll needs to deposit your pay, what the CRA needs for direct deposit of refunds and benefits, and what a lender or biller needs for a pre-authorized debit. Interac e-Transfers use an email address or phone number instead. What each part of the number identifies is explained in what a routing number is.

For RBC’s accounts and fees, see the RBC review.