RBC Reviews 

Stay clear of RBC they are the absolute worst bank. They let funds go through in my account meanwhile I had no money in my account and in the past my pne payment was short a dollar and they didnt let it go through then they charged me 315.00 worth of NSF fees and today I went to try and get some groceries and I had 880 dollars in my other account come to find out they took basically all of my money and left me with basically nothing and they dont do anything to help you I was balling my eyes out and they do not care heartless people I tell ya after this I am definitely switching banks

Abysmal online service in recent weeks from the Royal Bank of Canada. I've been a loyal customer for decades, but recently thanks to two factor authentication issues, the connection with Quicken regularly fails. Calling customer service brings excuses and no help from the staff. When I ask to escalate this to a higher level, I get stonewalled.
I am now on the hunt for a bank that offers good online customer service. Does such a bank exist in Canada?

I asked for a physical debit card (with over 50000 CAD in the bank and 10000 CAD in TFSAs) - they only gave me a digital one. I applied for a credit card and it didn't even appear that I did. Each time I call they say they'll get back to me.
Now I am abroad for the next 2 months and my electronic debit card dissappeared.
Because of them I almost lost my renter's insurance on my place in Montreal and I lost my Chatr plan and phone number!
I think I should sue them.
By the way I am paying from a foreign account for the insurance - extra fees, loss on exchange rates etc. I have opened an account online with a different bank and am waiting to get back to activate my new physical debit card and move all my money into the new bank.
I can't buy my own plane tickets, rent a vacation home etc cuz of their extremely low limits on the virtual debit card. I certainly will only keep the rbc account open until I finish graduate school. They have deeply disappointed me.

I have a business account and this bank is the absolute worst bank. No customer service, wait times on the phone over an hour. Nobody knows how to actually solve a problem. This is what we pay bank fees for, horrendous service. This is enough of a reason to leave a bank.

My elderly mother has dealt with the Southdale location in Winnipeg. She has had a Financial planner named Karen Roman for over ten years. Our family cannot say enough about how pleased we are for how she has advised my mom. She goes out of her way to do all of the little extras that she could be deferring to others. She is knowledgeable and relays information with clarity. She has rescheduled appointments when requested and works out of a few locations always ensuring that she makes the drive to my mom’s location to accommodate her. RBC is lucky to have Karen as their employee and we would recommend her to anyone looking for a financial planner! Thanks Karen.

Called the Esterhazy branch by mistake today, got a wrong number and the lady said, "This is a Royal Bank phone!" I started to ask her if I could just check to see which number I'd called and she hung up on me. Tried to call the actual branch to talk to an actual person and spent about a half hour doing so, it's COMPLETELY IMPOSSIBLE TO GET PUT THROUGH TO A HUMAN BEING. Terrible terrible customer service. I've been planning on switching banks and absolutely will not be switching to RBC if this is how they treat people. Which it is! Because it just happened. YUCK

Very bad service

RBC isn’t there for the clients. They are there for their deep pockets. If you want to transfer money from one account to another using the mobile app you have to do it between 7am and 6pm. Outside these hours RBC has to approve it. Even if it is your account ya and that they are linked togheter. This is done so they can charge you NSF fees and more. You can ask them for a $500 over draft, and they will tell you that you have to apply for a much larger amount. And they only approve the ones that have credit reports that are high and perfect. They don’t care about what happens to you as long as they make money off of you. Same thing with TD bank and even worst with Scotia bank. None of these tree bank tycoons can be trusted with your money as they are like mafias, all about the money that goes in their pockets.

I was on the phone with an RBC fraud representative from 9::15pm on the 12th of June until 5:15am on the 13th.
There was a massive attack on my RBC and BMO accounts and I got zero explanation of what had happened and how this was to be rectified. I lost my Client Card use. I lost my access to online banking at the Royal. Further, I was informed my Client Card would be usable in the morning.
No such luck.
The real travesty is what happened in my business account. An untold number of transfers were made from two of my BMO business accounts which had to be reversed one at a time.
The reason I have no final count is simply because it is 9am on the 13th and am getting ready to join our continuing call in an effort to rectify this situation.
It appears to me that both RBC and especially BMO have had a serious hack and have no clue what is going on.
Over this weekend both BMO and RBC share fraud resources, obviously the banks don't make enough money to afford their own.
Will keep you posted as I have no choice but to be an active participant, if not the Banks will not stand behind their negligence and not refund these obviously fraudulent activities.

I have been trying to transfer My registered account from RBC to RBC Direct invest and it took so much effort and back and forth I realized how slow and archaic these people's systems are. Luckily there is wealth simple and I happily transfered out 35k out of rbc right away with no issues.

I recently took out an RBC loan and had a very frustrating experience trying to set up a simple payment.

I initially tried to add the RBC loan as a payee from my other bank, but couldn’t find it listed. I called RBC for help and was placed on hold for a long time while the representative tried to find an answer. I was then told that RBC loans cannot be added as a payee from another bank, but I could make payments online instead.

However, after more time on hold and further explanation, I was informed that even online payments are not straightforward. I was told I needed to add debit information, but the system only accepts RBC debit accounts. Eventually, I was advised that I would need to visit a branch in person with a void cheque so they can set it up.
For something as basic as making a loan payment, this process felt unnecessarily complicated and not user-friendly. As someone who normally manages everything online or by phone, I was surprised that a branch visit was required just to set up payments.
Overall, this was not a good first experience with RBC, and it makes me hesitant to use their services again

I was dealing with Shannon Obrian at Towne centre branch in Edmonton about my dads will and banking info. Shannon was just awesome explaining to me about the process and helping me through the steps of the will and of being Executor above and beyond and always spending as much time as i needed. Cant thank her and the staff at RBC enough.

Terrible company. Charged me 400 for a dormant account. Do not use them. Use td.

I called RBC phoneline only to be put on hold and eventually be hung up on TWICE
The agents know nothing, are far from efficient and
the only worst customer service is Bell
54 MINUTES TO BE ANSWERED

I’m sharing this experience as a caution to anyone considering the RBC 'British Airways' Visa card, particularly existing RBC customers who may assume that the advertised welcome offer applies to them.

We applied after seeing an online advertisement promoting a welcome bonus of 60,000 Avios points for meeting specified spending thresholds. Relying on that offer, we switched from our previous RBC credit card and fulfilled the required spending criteria within the stated time frame.

About eight months later, after following up on the missing points, we were told that we were not eligible for the bonus because we were already RBC customers when we switched cards. That critical limitation was not clearly disclosed in the extensive advertising materials and appeared only in the fine print.

From a customer’s perspective, this is difficult to view as anything other than misleading. The primary reason we chose the card was effectively unavailable to us, despite our meeting the advertised requirements. Had this restriction been presented clearly and prominently in the extensive advertising materials, we would not have made the switch.

For that reason, I would strongly encourage others—especially current RBC clients—to examine all eligibility conditions carefully before applying. In our case, what appeared to be a valuable offer was ultimately undermined by inadequate disclosure.

This experience has significantly undermined our trust in RBC’s credit card marketing practices, which is particularly disappointing given our long-standing relationship as loyal RBC customers.

Thank you RBC workers for your business with us!

I wish I could give this app zero stars only the idiots that work at rbc could have come up with such a pathetic tool as this. Totally pathetic

Don’t deal wit th Rbc if your time in important to you ,

I really like RBC. They understand times are tough and deposited a one time $100 for free. I’ve never seen a review on other banks doing the same. I like that you can speak to customer service through the app. I would have put 5 stars but I’ve been unable to log into my account for well over 2 weeks now, the general support line tried to help and said to reach out to the fraud service if I can’t log into or go into the branch. I live over an hour from my home branch so i am unable to make time to go, ive been trying to reach the fraud line and i have not been able to get through.

Try to get info on your credit card, cancel one, anything the AI is horrible. If you ever get an 'advisor" they often can't "verify" you because they ask stupid, and irrelevant questions....like what is your "issue number?" clue: there IS NO issue # for a credit card! Then you have to go to a branch to resolve the issue. CASH IS KING!!