Rbc financial rbc ancienne lorette Take charge of your financial future with the McGill Personal Finance Essentials course sponsored by RBC Future Launch and The Globe and Mail. Sign up now. Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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Knowing the ins and outs of international money transfers (sometimes called wire transfers) at your bank is the best way to ensure a smooth, painless transfer. But you may also find that using an alternative provider, like Transfer Wise could save you much more than you realize. Read on to learn everything you need to know about making an international money transfer to or from Canada’s RBC Royal Bank. You may be surprised to see that in RBC an International Money Transfer and an international wire transfer are two separate things. (Source 1, Source 2 29 January 2018) At first glance, it looks like the fees are fairly comparable. However, if even a slight fee difference isn’t reason enough to consider an alternative, that isn’t taking into account any exchange rate markup — on average a spread of an additional 4-6%. To make sure you really know what you’re getting before you commit, compare the exchange rate you’re being offered with an online currency converter to find out how much your international transfer is really costing you. In addition, there are normally 1-3 intermediary and recipient banks who also charge fees. (Source 29 January 2018) RBC Royal Bank usually allows you to specify the currency you want your recipient to receive his or her funds in. However, sending or receiving money in a currency different than what’s in your account means that either the recipient bank or an intermediary bank will convert the currency at an exchange rate that it chooses. That rate will oftentimes be 4-6% poorer than the mid-market rate - the rate you see when you do a Google search for the exchange rate - allowing the bank to make a profit on the transfer. Even though normally intermediary or recipient banks do the exchange, if RBC Royal Bank does it, it offers a daily list of exchange rates on its website, but does note that For the most up-to-date exchange rates offered by RBC Royal Bank, you’d have to contact your local branch, and then compare current rates to the mid-market rate (using an online currency converter) In fact, RBC openly notes that the exchange rate they offer customers includes a markup - something they call a spread: Usually, when a client completes a transaction it is for an amount smaller than US$5,000,000 and as a result, a retail rate is applied. This rate includes a spread added to the interbank rate to account for market movement between when the client transaction is completed and when smaller client amounts can be accumulated and traded on the interbank market.“While RBC doesn't charge the recipient any fees for receiving money, any intermediary financial institution or the recipient’s financial institution may require additional fees or service charges to be paid.” (Source 1, Source 2 29 January 2018) One alternative to making an international bank transfer is to use Transfer Wise, which lets you send money at the mid-market rate - the same rate you see when you Google it, plus a small transfer fee that’s spelt out upfront. Because Transfer Wise only moves money through local bank transfers, there are no international or intermediary bank fees. And Transfer Wise also offers borderless multi-currency accounts, so users can send, receive and manage money in multiple global currencies all at once. As well as receive personal local banking details for accounts in a handful of currencies. Give Transfer Wise a try today and see for yourself how easy it can be to send money. You can transfer money with the RBC International Money Transfer service to almost anywhere in the world. It allows you to: Should you want to transfer a larger sum of money abroad, you can do so by setting up an international wire transfer instead. This method is generally more expensive, check the ‘fees’ and ‘additional fees’ section for figures. (Source 22 February 2018) You can find this information by logging into RBC’s online banking, visiting a branch or calling 1-800-769-2511. (Source 29 January 2018) Typically, international transfers take 2-5 business days to process with RBC Royal Bank. However, transfer times aren’t guaranteed as processing times can vary depending on the transfer destination. Some banks simply process incoming international payments quicker, than others. (Source 29 January 2018) RBC Royal Bank’s customer support has many options for getting in touch if you have further questions. However, numbers will vary based on your location, so you should check their site for the best option for you. Armed with the right knowledge, transferring money overseas doesn’t need to be complicated or costly. This information should make it as painless as possible, and help you protect your money by getting the best possible deal. This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Transfer Wise Limited or its affiliates. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage. Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions. Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage. We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now. Rbc visa online rbc business banking Sep 21, 2009 RBC Visa Payment Online Steps. The steps to pay your RBC Visa dues through Online Banking are Go to Log into the Online Banking service. Click the “Pay bills & transfer funds” menu option on the left pane of the screen. From the "To" drop down menu, select the biller you want to pay. Since you are paying into RBC. What is Visa Online? It's your one-stop destination for doing business with Visa. Discover comprehensive information about Visa payment solutions. Get easy access to powerful interactive tools to help you manage your business. Explore best practices and tap into valuable expertise to grow your business. When you refer a client to RBC, you gain more than a loyal and satisfied client. You gain a partner who can help you grow and build your business. If you’re a real estate professional, builder site agent, or other RBC approved referral source, discover the RBC difference and help clients realize their goals and become homeowners. With the RBC Referral Awards program you’ll have access to Canada’s largest bank-owned loyalty program – RBC Rewards, and you will earn RBC Rewards points on your RBC Rewards credit card for every eligible referral. You’ll not only get rewarded with RBC Rewards points on your eligible RBC Rewards credit card, your mortgage specialist will collaborate with you, and so you get access to leading-edge solutions and their own high-quality referrals. Eligible realtors in the Province of Alberta may only enroll in the RBC Referral Awards Program as Non-Points Members. The RBC Referral Awards Program, including non-points membership, is not available in the Province of Quebec. For complete details please refer to the Terms and Conditions. Cyber criminals are continuing to use COVID-19 themed messages to harvest personal information and commit fraud. Their tactics continue to evolve, with the latest phishing emails focused on emergency financial support, employment and benefits programs, including the Canada Emergency Response Benefit (CERB) program. Cyber criminals are impersonating governments, health authorities and other organizations to provide false information, steal information, sell fake medical products or tests and redirect to fake charity donations. Visit known and reputable websites, like the official World Health Organization’s Coronavirus disease (COVID-19) Pandemic page, or local health authorities like the Public Health Agency of Canada website for correct up-to-date information on COVID-19. For updated information on COVID-19 from RBC, please visit https://com/covid-19/Make sure you know how to protect your business. Investors are being targeted by a scam using fake RBC Direct Investing branded websites. Cyber criminals are attempting to solicit members of the public to invest money in a questionable investment or one that doesn’t exist at all via websites that appear to be from RBC. Common tactics of the online investment scam include website spoofing (making a similar version of a trusted website), using social media to research and attract potential targets, and soliciting them through popular messaging platforms and/or email. RBC Direct Investing has two legitimate websites: If you are unsure whether a correspondence claiming to be from RBC is authentic, please contact us immediately. If you have already invested in an offering you think may be fraudulent or you have been asked to pay additional money to get back money from an investment, Recently, we sent an email to our valued RBC business clients asking them to update their email servers to a more secure encryption protocol. The Payment Card Industry Data Security Standard (PCI DSS) for safeguarding payment data now requires an encryption protocol which includes the Transport Layer Security (TLS) v1.1 or higher (TLS v1.2 is the RBC Standard). This update is needed to ensure our business clients have the right security measures in place to continue communicating safely and securely with RBC. The email was sent from RBC TLS Communication (pcbtls@rbc.com) on July 8. Below is what it looked like: A telephone scam targeting the Asian community has recently resurfaced. The purpose of these calls is to trick clients into giving up personal information for fraudulent use. The caller may use social engineering tactics like threatening to close your account or insisting you update your account information to create a sense of urgency. The calls appear to be coming from an RBC phone number: 1-888-769-2598. This is known as ‘call spoofing’ where a caller falsifies the number that appears on the recipient’s caller ID display. In this case, the fraudsters are trying to trick you into believing that RBC is calling. If you receive a suspicious email, appearing to come from RBC, forward it to phishing@and then delete it right away. Even if you didn’t click on the link or download any attachments, it’s important that our cyber security experts are aware of these types of scams. RBC clients are the target of another text-messaging scam. The text messages warn clients that their cards have been disabled, and that they must click on a link or call a phone number in order to secure their account. If you receive one of these text messages, we strongly urge you not to click on the link, and to contact us directly using the contact numbers on the back of your client card or on our site rather than the number provided in the text message. Clients have also received text messages instructing them to call a phone number to receive an important message. DO NOT call the number provided, instead use the contact numbers found on the back of your RBC client card or on our site. The scam appears to be limited to Canadian clients, but US or Caribbean clients may be targeted too. If you have received a text message from a number you don’t recognize, delete the message right away. If you believe your confidential information may have been stolen or obtained by a fraudulent party either online, by telephone or through any other means, contact us immediately. Several calls, designed to appear as though they are coming from RBC, have been made to RBC clients across Canada in order to retrieve personal or financial information. No RBC systems have been compromised, and we have escalated this issue to Canadian telephone carriers, who are working to remediate the situation. Caller ID spoofing is when a caller deliberately falsifies the information transmitted to an individual’s caller ID display to disguise their identity. Protect Yourself from Spoofing Spoofing is often used as part of an attempt to trick someone into giving away valuable personal information so it can be used in fraudulent activity or sold. Spoofing is a social engineering scam that relies on psychological manipulation tactics. Websites, phone numbers, email addresses, and various other communication methods can be spoofed. As this is a Canada-wide scam that involves a wide range of corporate and personal phone numbers, here are some additional tips to protect yourself from caller ID spoofing: Call Us If you believe your confidential information may have been stolen or obtained by a fraudulent party either online, by telephone or through any other means, call us immediately. If you believe your confidential information may have been stolen or obtained by a fraudulent party either online, by telephone or through any other means, call us immediately.


For more than a century, RBC Wealth Management has provided trusted advice and solutions to individuals, families, institutions and charitable foundations. "Having a basic understanding of how money, investing and our broader financial system works is critical in our society today. That’s good news, but with people spending decades in retirement it’s important to plan for any scenario. Put our award-winning global network to work for you. Yet there is a growing realization, particularly in the wake of the last financial crisis, that many people don't understand budgeting, investing or how simple financial products like loans work.” View profile Director of Portfolio Advisory Group, U. Equities “We continue to suggest to our investors that they maintain their asset allocation to stocks; what is comfortable to them, what makes sense from a strategic standpoint for their allocation and there are reasons for that. Our goals-based wealth planning approach brings clarity today, while helping people build confidence in the future.” View profile using Java Script to ensure the best experience through the site. If we did, the view would be quite different.” View profile Head of Wealth Planning U. Wealth Management “Americans increasingly view retirement as an exciting new chapter in life filled with possibilities. Please check to learn how to enable Java Script on your browser and enjoy the best experience. Protection-Solde est une police dassurance crdit collective tablie par Assurant Solutions et offerte aux titulaires de carte Visa admissibles de RBC Banque Royale. Assurant Solutions est une dnomination commerciale des succursales canadiennes de l American Bankers Life Assurance Company of Florida et de l American Bankers Insurance Company of Florida. Rbc visa online rbc remise en argent mastercard RBC Commercial Cards Program. Gain control over company expenses and insights on spending. Use RBC Rewards on Both Sides of the Border. Enjoy the rewards you want—like gift cards to your favorite restaurant or store, travel to the places you want to go, or cash back to pay your bills. Sep 21, 2009 RBC Visa Payment Online Steps. The steps to pay your RBC Visa dues through Online Banking are Go to Log into the Online Banking service. Click the “Pay bills & transfer funds” menu option on the left pane of the screen. From the "To" drop down menu, select the biller you want to pay. Since you are paying into RBC. RBC believes all issues can be resolved by using open communication – usually at the source. Whether it’s used to answer a question, solve a problem or share a success, communication is the key. Your feedback is used to continually improve the quality of products and services we provide to all of our valued clients. While positive comments are welcome, it’s equally important for us to know when there is a problem. This allows us to resolve it and retain your confidence. Available for you to express your concerns or provide feedback about your experiences with RBC We want to handle your complaint in the most efficient and professional manner possible. Answering the questions below will guide you to the correct contact to help ensure your complaint can be resolved as quickly as possible. In order to ensure your complaint is addressed as quickly and easily as possible, please tell us which line of business your complaint pertains to: Not sure to which line of business your complaint pertains?