Introducing International Banking solutions to meet your needs. Banking benefits for your life here or abroad with RBC Vantage:
- Send money globally for $0 transfer feeLegal Disclaimer footnote1 with RBC International Money Transfers
- Bank and hold funds in multiple foreign currencies
- Spend globally with no foreign transaction fees with our premium USD credit cardLegal Disclaimer footnote3
What are your international banking needs?
Whether you’re on the move or your money is, you need products and services that complement your global life. We have you covered for your needs outside of Canada.
Send money to almost any country in the worldLegal Disclaimer footnote4 for no transfer feeLegal Disclaimer footnote1.
International Money Transfers
Send money to almost any country in the worldLegal Disclaimer footnote4 for no transfer feeLegal Disclaimer footnote1.
Learn More (RBC International Money Transfer)
Pay U.S. bills, access no-fee ATMs and send/receive funds in the U.S.
Pay U.S. bills, send/receive money with your RBC Bank account and make unlimited and instant transfers between the U.S. and Canada.
Learn More (Managing Your U.S. Bank Account)
Introducing new solutions to hold international currency and invest in foreign stock exchanges.
Convenient ways to manage your foreign currency
Use your foreign currency account to receive, send and hold funds with $0monthly account feeLegal Disclaimer footnote2.
Trade in International Markets
Trade on U.S. exchanges with RBC Direct Investing, Other international exchanges coming soon.
International Wealth Needs
RBC Wealth Management looks beyond the numbers to create a wealth management plan tailored to your needs and ambitions.
Looking for convenience and flexibility in how you access and spend money internationally? We have you covered.
Luxury Travel Cards
We offer a variety of credit cards to suit your travelling lifestyle.
Learn More (Travel Credit Cards)
Order foreign currency cash online
Order cash in over 40 foreign currencies online from your CAD account, and conveniently pick it up at any of the 1,200+ RBC branches across Canada.
Learn More (Purchase Foreign Cash in RBC Online Banking)
Virtual Visa Debit
Instantly activate your RBC Virtual Visa Debit and start shopping online internationally with funds directly from your bank account.
Learn More (RBC Virtual Visa Debit)
Spend globally with a no foreign transaction feeLegal Disclaimer footnote3 credit card (USD)
Make your transactions in U.S. dollars and avoid daily currency fluctuations with an RBC Bank credit card.
Learn More (U.S. Credit Cards for Canadians) opens in a new window
Explore our range of cross-border banking solutions that simplify living, travelling, working and studying in the U.S.
Cross-Border Banking Bundle
Get no annual fee U.S. banking for 1 yearLegal Disclaimer footnote5, a no annual fee U.S. credit card, plus cross-border offers and perks.
Learn More (Cross-Border Banking Bundle)
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. Only at RBC.
International toll-free customer service
With international toll-free customer service and support in over 200 languages, we’re committed to keeping you informed.
Virtual Visa Debit Card
Shop online internationally with funds directly from your bank account with Virtual Visa DebitLegal Disclaimer footnote6
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchaseslegal disclaimer 10.
RBC x Petro-Canada
Save 3¢/L on gas at Petro-Canada using your linked RBC card.legal disclaimer 11.
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account. Only at RBC.
International toll-free customer service
With international toll-free customer service and support in over 200 languages, we’re committed to keeping you informed.
Virtual Visa Debit Card
Shop online internationally with funds directly from your bank account with Virtual Visa DebitLegal Disclaimer footnote6
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchaseslegal disclaimer 10.
RBC x Petro-Canada
Save 3¢/L on gas at Petro-Canada using your linked RBC card.legal disclaimer 11.
Why choose Royal Bank of Canada
Bank confidently
We are Canada’s biggest bank (based on market cap), and one of the largest in the world. RBC has more than 17 million clients across Canada, the U.S. and 27 other countries.
Worldwide acceptance
RBC credit cards are accepted across Canada and around the world. Use your RBC debit card to access ATMs globally, anywhere the PLUS logo is displayed.
Anytime, anywhere access
Pay bills, send money, transfer funds and stay on top of your finances from anywhere in the world with the RBC Mobile appLegal Disclaimer footnote7.
Solutions unique to your needs and life stage
Cross-Border Banking Bundle
Get no annual fee U.S. banking for 1 yearLegal Disclaimer footnote5, a no annual fee U.S. credit cardLegal Disclaimer footnote1, plus cross-border offers and perks.
Learn More (Cross-Border Banking Bundle)
Retirement
Whether you intend to retire in Canada, abroad or split your time across borders, we have global solutions to help you make the most of your retirement years.
Learn More (Retirement Planning)
International Students
International students can get unlimited debit transactions in Canada when banking with RBCLegal Disclaimer footnote8. Plus, you could get approved for a credit card with no credit history requiredLegal Disclaimer footnote9.
Learn More (International Students in Canada)
New to Canada
RBC has been providing advice and solutions to meet the unique needs of newcomers to Canada for over 150 years. Discover special offers to help you feel at home faster.
Learn More (Newcomers to Canada)
Support & Resources
How can we help you today?
Your Top Questions Answered
You can send an International Money Transfer in 3 simple steps:
- 1) Sign in to RBC Online Banking or the RBC Mobile app and select International Money Transfer
- 2) Enter the recipient information including address and account number. You’ll also need the destination bank’s name and location, SWIFT/BIC code, or APA Routing Number.
- 3) Most funds are delivered globally within 2 business days
You can withdraw local currency from your CAD denominated RBC chequing account using your RBC Client Card anywhere the PLUS logo is displayed. Please keep in mind that in some countries, ATMs only accept 4-digit PINs.
You can enjoy the peace of mind of sending an International Money Transfer through the RBC Mobile app and RBC Online Banking. The RBC Digital Banking Security Guarantee stands behind every transfer made.
Need Some Additional Help?
Book an appointment with an
advisor: 1-800-769-2561 (Open 24/7)
Find Your Local Branch
Legal Disclaimer footnote 1)
Currency conversion fees and service fees by an intermediary or receiving bank may apply.
Legal Disclaimer footnote 2)
For foreign currency transactions that involve a currency exchange, we convert the funds to the currency of your Account at the exchange rate we set for that type of transaction at the time we complete the transaction. We charge or credit your Account for the converted amount. The exchange rate at the time we complete the foreign currency transaction may be different from the exchange rate at the time the transaction started. You agree that you will be responsible for any cost or loss.
Legal Disclaimer footnote 3)
All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers – Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances – Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater.
While there are no foreign transaction fees for purchases in the U.S. or in USD, there may be foreign transaction fees for purchases conducted in a foreign currency. RBC Bank Foreign Transaction Fees: Visa Signature Black - 1.5% of the U.S. dollar amount of the transaction, Visa Signature Black Plus - Foreign transaction fee does not apply, Visa Platinum - 3.0% of the U.S. dollar amount of the transaction. Late Payment Fee – up to $35. Returned Payment Fee – up to $35. Annual Fee Visa Signature Black Plus – $75. Annual Percentage Rate is Prime Rate plus a margin between 9.99% and 16.74% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 8.50% as of July 27, 2023.
Legal Disclaimer footnote 4)
Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
Legal Disclaimer footnote 5)
Offer period is January 1, 2024 through October 31, 2024 (“Offer Period”). To qualify, client must be a new RBC Bank client, defined as an individual who has not been a primary or secondary account holder on any RBC Bank (U.S.) checking account for the 18 months prior to the start of the Offer Period (“Eligible Personal Client”). Eligible Personal Client must open a new RBC Bank personal checking account and apply for an RBC Bank credit card on the same business day and both accounts must be opened in the name of the Eligible Personal Client. RBC Bank will waive the checking monthly or annual fee for 1 year from account open date (“Offer”). All other terms and conditions continue to apply on all RBC Bank products, including funding requirements and other applicable fees. Offer cannot be combined with any other RBC Bank checking offers. Employees of Royal Bank of Canada and their affiliates do not qualify for this offer. Offer is available only during the Offer Period. Offer can be changed or withdrawn at any time. Only one offer per Eligible Personal Client.
Legal Disclaimer footnote 6)
When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement for further details.
Legal Disclaimer footnote 7)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. The RBC Mobile app may be downloaded in jurisdictions where it is available.
Legal Disclaimer footnote 8)
RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled “Rebates and Discounts: RBC Advantage Banking for Students” in the Personal Deposit Accounts Disclosures and Agreements, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document.
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment
Legal Disclaimer footnote 9)
An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
Legal Disclaimer footnote 10)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the .
Legal Disclaimer footnote 11)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
