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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Royal Bank of Canada's account


Personal account

Clients of Royal Bank of Canada are welcome to enroll in RBC Online Banking. With an online banking account, you can check your balances, transfer funds, send money, pay your bills, and much more — whenever it’s convenient for you.

How to open an account?

You can sign up for RBC Online Banking by selecting the “Enroll now” option in the “Sign In” box on its website. Alternatively, you can enroll in RBC Online Banking by phone (applicable for business clients) or in-person, by visiting one of your local RBC branches.

To sign in to RBC Online Banking, you will need to enter your Client Card number (or username) and password. If you have a username already, use it to sign in.


Depending on what type of client you are, the assets required to enroll will be different:

  • Personal banking clients need an RBC Royal Bank Client Card or credit card to enroll

  • Automotive finance, mortgage, credit line, Homeline plan, loan, or investment clients need an account number and transit number to enroll

  • Corporate clients need an RBC Royal Bank Business Client Card to enroll their business account for online banking


How to reset a forgotten password?

If you have forgotten your online banking password, you can always reset it. Click the “Reset your password” link on the Online Banking Sign-In page and follow instructions from the system.

How to delete an account?

RBC doesn’t provide information on account deletion. Reach out to their support team for additional information on this matter: 1-800-769-2555.

What to pay attention to when applying for a loan from Royal Bank of Canada

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Royal Bank of Canada from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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All Royal Bank of Canada’s reviews by October 2022
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