What is the RBC wire transfer limit?

RBC's standard online wire transfer limit for personal accounts is approximately $25,000 per day. Higher limits are available by visiting a branch or calling RBC at 1-800-769-2511. Business accounts typically have higher wire transfer limits. The exact limit depends on your account type, banking history, and the nature of the transfer.

How much does an RBC wire transfer cost?

RBC charges $15–$25 for domestic Canadian wire transfers (within Canada). International outgoing SWIFT wire transfers cost $25–$45 depending on the destination and currency. Receiving an international wire into an RBC account may incur a receiving fee of approximately $15. These fees are charged regardless of the account type and are separate from any currency conversion fees.

How long does an RBC wire transfer take?

Domestic wire transfers (within Canada) processed before the cutoff time (typically 3:00 PM ET on business days) are usually completed the same business day. International SWIFT wire transfers typically take 1–5 business days depending on the destination country, the receiving bank's processing time, and any intermediary banks involved in the payment chain.

What information do I need to wire money to an RBC account from abroad?

To receive an international wire transfer into your RBC account, the sender needs: RBC's SWIFT code (ROYCCAT2), your full name as it appears on the account, your 7-digit RBC account number, your branch transit number (5 digits), your RBC branch address, and your full address. Some sending banks may also require RBC's full official name (Royal Bank of Canada) and the head office address (200 Bay Street, Toronto, Ontario, M5J 2J5).

Can I send a wire transfer from RBC Online Banking?

Yes. Domestic wire transfers can be initiated through RBC Online Banking. International SWIFT wire transfers can also be initiated online, though some complex international wires may require a branch visit or phone call to 1-800-769-2511 to confirm details and set up the transfer. The online wire transfer option is available under 'Transfers' or 'Move Money' in RBC Online Banking.

RBC Wire Transfer Limit 2026 — Domestic and International Wire Fees

RBC’s standard online wire transfer limit for personal accounts is approximately $25,000 per day. Domestic (Canadian) wire fees are $15–$25; international SWIFT wire fees are $25–$45. Domestic same-day wires must be submitted before the 3:00 PM ET business-day cutoff. International wires take 1–5 business days. For transfers above the online limit, visit a branch or call 1-800-769-2511.

Quick answer: RBC wire transfer limit: ~$25,000/day online (personal). Domestic fee: $15–$25. International fee: $25–$45. Processing: domestic same-day if before 3 PM ET; international 1–5 business days. SWIFT code: ROYCCAT2.

Verify current limits and fees directly with RBC before initiating a large wire transfer, as limits and fees may be updated.

RBC Wire Transfer Limits and Fees 2026

Transfer Type	Online Daily Limit	Fee	Processing Time
Domestic (Canada to Canada)	~$25,000	$15–$25	Same business day
International (SWIFT)	~$25,000	$25–$45	1–5 business days
Receiving international wire	No limit	~$15 (receiving fee)	1–5 business days
Branch-assisted (any amount)	Higher limits	Same fees	Same / next day

All fees are in Canadian dollars. Currency conversion fees apply separately for international transfers involving currency exchange.

Wire Transfer vs Interac e-Transfer at RBC

For smaller domestic payments under $3,000, Interac e-Transfer is almost always the better option:

Feature	Wire Transfer	Interac e-Transfer
Cost	$15–$25	Free (most RBC plans)
Daily limit	~$25,000	$3,000
Speed (domestic)	Same business day	Minutes
Recipient needs RBC?	No	No
Available 24/7?	Online: yes	Yes
Best for	Large, urgent payments	Everyday transfers

Wire transfers make sense for: large real estate deposits, business payments, immigration fund transfers, and any amount over $3,000 that must be received the same day.

How to Send a Wire Transfer from RBC Online Banking

Domestic wire transfer:

Log into RBC Online Banking at rbcroyalbank.com
Navigate to Transfers or Move Money
Select Wire Transfer or Send Wire
Enter the recipient’s name, bank name, transit number, institution number, and account number
Enter the amount and select the source account
Review the fee and processing details, then confirm
Submit before 3:00 PM ET for same-day processing

International SWIFT wire:

Log into RBC Online Banking
Navigate to International Money Transfer or Send Money Abroad
Enter the recipient’s full name, bank name, SWIFT/BIC code, IBAN (if applicable), and account number
Enter the amount in CAD or the destination currency
Review the exchange rate, fees, and estimated delivery time
Confirm the transfer

For the first time sending to a new recipient, RBC may send a verification code to your registered phone number.

Information Needed to Receive a Wire at RBC

If someone is sending you a wire transfer into your RBC account, provide them with the following:

Beneficiary Information:

Beneficiary name: Your full legal name as it appears on your RBC account
Beneficiary address: Your personal address
Account number: Your 7-digit RBC account number

RBC Bank Information:

Bank name: Royal Bank of Canada
SWIFT/BIC code: ROYCCAT2
Institution number: 003
Branch transit number: Your 5-digit transit number
Bank address: 200 Bay Street, Toronto, Ontario, M5J 2J5, Canada

For US ACH transfers (USD domestic US wires): RBC does not have a US ABA routing number. US senders must use the SWIFT system for transfers to RBC. Instruct US senders to initiate an international wire using ROYCCAT2.

How to Send an International Wire from RBC

RBC processes outgoing SWIFT wires in most major currencies. Common transfer destinations and typical processing times:

Region	Typical Processing	Notes
United States	1–2 business days	USD conversion applies
United Kingdom	1–2 business days	GBP conversion applies
European Union	2–3 business days	EUR, SEPA countries
India	2–4 business days	INR; some banks require intermediary
Philippines	2–4 business days	PHP
Other countries	3–5 business days	Varies by destination

Processing times depend on the receiving bank and any intermediary banks in the payment chain. Delays around weekends or holidays in the destination country are common.

RBC Wire Transfer: Currency Conversion

When sending an international wire, RBC converts your CAD to the destination currency at the retail exchange rate, which includes a markup over the interbank rate. The markup is typically 2–3% of the transferred amount.

Worked example: You send $5,000 CAD to the UK when 1 CAD = 0.576 GBP (interbank rate). RBC’s retail rate might be 0.561 GBP (a ~2.6% markdown). Your recipient receives approximately £2,805 instead of the £2,880 the interbank rate would yield — a difference of £75 ($137 CAD) on this transfer.

For very large international transfers, consider whether a currency specialist (such as a foreign exchange broker) may offer a better rate than a bank’s standard retail rate. Currency specialists charge no transfer fee but earn their margin on the exchange rate.

RBC Wire Transfer Safety Tips

Verify all recipient details carefully — wire transfers are difficult to reverse once sent
Be skeptical of urgent wire transfer requests, even from known contacts (business email compromise fraud)
RBC will never ask you to wire money as part of a fraud investigation
If you suspect fraud, call 1-800-769-2511 immediately before sending

Wire fraud is Canada’s fastest-growing fraud category. The RCMP and Canadian Anti-Fraud Centre report billions in losses annually from fraudulent wire instructions.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy