RBC transfer limits: US guide

The Royal Bank of Canada (RBC) is one of Canada’s largest banks. Of the millions of Canadians who hold money with RBC, many need to transfer money across borders, whether to the other side of the world or just the next town.

So what are RBC’s transfer limits? How can you transfer money with RBC? Are transfer limits different between the US and Canada versus other countries?

This article will guide you through RBC transfer limits for the variety of banking services that RBC customers use. It’s easy to view — and possibly change — your daily RBC transfer limit online or over the phone.

We'll also introduce Wise — your international money transfer alternative. Use Wise to send stress-free transfers to over 140 countries - all at the standard mid-market exchange rate.

Learn more 🔎

Table of contents
RBC transfer limits overview RBC international transfer limits How can you check your RBC transfer limits? Can you increase your transfer limits at RBC? What are RBC’s transfer fees and charges? Things to keep in mind when transferring high amounts

RBC transfer limits overview

Canadian RBC customers can send money a few different ways and can also hold accounts in USD or CAD. So the RBC transfer limits that apply depend on the currency of your account as well as the method you’re using to transfer money.

Here’s an overview of RBC transfer limits depending on where the money’s headed and the type of account you’re sending money from.

Sending money within Canada:

Transfer details	RBC Transfer limit
Interac e-Transfer	10,000 CAD per day (with verified identity)¹
Domestic wire transfer	None²

Sending money around the world from Canada:

Transfer details	RBC Transfer limit
International Money Transfer	50,000 CAD per day (minimum 100 CAD)³
International wire transfer	None²

Sending money to, from, and within the US:

Transfer details	RBC Transfer limit
From your Canadian RBC account to your US RBC account (and vice versa)	25,000 CAD or USD per transaction⁴
Between your own US RBC accounts	Send 15,000 USD and receive 9,000 USD per day⁴
From your US RBC account to other people in the US	Bill Pay limit 99,000 USD;⁵ if using PayPal,⁴ PayPal limits apply
International Money Transfer from your Canadian RBC account to the US	50,000 CAD per day (minimum 100 CAD)³
Wire transfer from Canada or the US around the world	No RBC limit²

🚨 Keep in mind that if you have a US bank account with RBC, you can’t send international money transfers, but you can send wire transfers.³

With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees.

🚀 Get started with Wise

RBC Interac e-Transfer limits

If you have an account with RBC in Canada, you can exchange money with other Canadians via Interac e-Transfer. This service is faster and easier than a wire transfer or ACH, and it’s free.

As long as your identity is verified in online banking, your RBC Interac e-Transfer limit is 10,000 CAD per day.¹

Remember, you can only use Interac e-Transfer between two Canadian bank accounts.

If you’ve already sent money on the RBC mobile app during the day, you might run into a daily RBC e-transfer limit.⁵ If you’re sending money through multiple methods, check your daily limit online or in the mobile app and call RBC if you want it adjusted.

RBC international transfer limits

There are two ways to send money overseas with RBC: International Money Transfer and international wire transfer.

International Money Transfer

RBC offers most of its members a service called International Money Transfer, which allows you to send money quickly to more than 200 countries with no fees.³ (While the service is free, RBC charges a markup on the exchange rate.)

The RBC International Money Transfer limit is 50,000 CAD per day. The minimum transfer is 100 CAD. You can access this service with online banking or the RBC mobile app.³

🚨 Unfortunately, International Money Transfer is unavailable to US bank accounts and other RBC foreign currency accounts.

International Wire Transfer

Like most banks, RBC will work with you to arrange an international wire transfer if that’s how you want to move your money.

To send an amount that exceeds the RBC International Money Transfer limit, an international wire transfer might be a good option. There is no clearly defined RBC wire transfer limit that applies across all accounts, neither for domestic nor international wire transfers.

Still, if you’re moving a lot of money out of your RBC account, check your daily limits on the mobile app and call if you need to exceed them.

While they are a reliable and ubiquitous money transfer method, international wire transfers are slow and expensive compared to most other options.

Send high amount, low cost international transfers with Wise

A smart option if you’re sending money overseas: meet Wise.

With Wise, you can send up to 1,000,000 USD per wire transaction to 140+ countries, with the mid-market exchange rate and low, transparent fees.

Over 50% of Wise payments arrive instantly* — and all Wise transfers are deposited directly into your recipient's bank account for convenience.

No ongoing fees, no hidden charges and no hassle — just fast, transparent international transfers that can beat the banks.

🚀Get started with high amount transfers

See how Wise compares with international bank transfers in our full guide

*Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.

How can you check your RBC transfer limits?

You can view your daily RBC transfer limits on the RBC mobile app or by logging in to online banking. In each interface, you can view your daily limit in just a couple of clicks.

With online banking:⁶

1. Click “Account Summary”
2. Select “Daily Transaction Limits”

With the RBC mobile app:⁷

1. Tap on the account you’re interested in
2. Tap “Details”
3. Tap “Daily Transaction Limits”

Can you increase your transfer limits at RBC?

There are three ways to increase your RBC transfer limit:

1. Increase your limit using online banking:⁶ Under “Daily Transaction Limits,” you can choose “Edit Limits”

2. Call and increase your limit:⁶ Give RBC a call and they’ll confirm your identity and help you increase your daily limit — the number is 1-800-769-2511

3. Start your transfer and authenticate to proceed:⁸ If you have a phone number and/or email authenticated with RBC, it’s possible that you can go ahead with your transfer by verifying a code that RBC sends to your email or phone; that would allow for a one-time increase in your daily RBC transfer limit

What are RBC’s transfer fees and charges?

At RBC, your transfer fees depend on the service you’re using to move money. Here’s an overview:

Type of transfer	RBC transfer fee
Interac e-Transfer (only available between Canadian accounts)	No fee on first 999 transfers per month; then 1 CAD per transfer¹
Incoming wire transfer (worldwide to an account in Canada or US)	No fee on first 50 CAD, 50 USD, 37 EUR or 30 GBP; for higher amounts, fees start at 17 CAD⁹
Outgoing wire transfer (account in Canada or US to the rest of the world)	Fees starting at 45 CAD⁹
International Money Transfer (not available for US RBC accounts)	No fee³
Transfers between RBC accounts (Canada or US)	No fee⁴

Things to keep in mind when transferring high amounts

Before making a large transfer, it always helps to call ahead. When you’re moving high amounts of money, the effort and potential cost involved in undoing a mistake is too big to risk.

It’s also important not to rush a large transfer. When you have time to check all the details as carefully as possible and wait for the payment to go through, you’ll be more likely to get things right the first time.

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RBC customers can easily send money between Canadian accounts; they can open USD bank accounts without a US address and conveniently bank across the border, and they can send money overseas without an up-front fee.

They only have to watch out for the RBC transfer limits, which vary with each payment method. But each RBC transfer limit applies just for the day, and customers can change them online or over the phone.

However, RBC customers should pay attention to the markup that RBC uses to calculate their exchange rate.

With Wise, you can send secure and trackable large amount transfers to 140+ countries worldwide with transparent fees and the fair mid-market exchange rate.

Have a look at the main benefits for using Wise to send large transfers:

• Dedicated support for large transfers
• Fast and easy setup with no physical paperwork
• Upfront, transparent fees
• Fully trackable transfers
• Fast transfer times
• Two-factor authentication and real-time notifications

🚀 Get started with Wise

Sources

1. RBC - Interac e-Transfer
2. RBC - Wire Transfer
3. RBC - RBC International Money Transfer
4. RBC - Cross-Border Banking FAQs
5. RBC - Terms and Conditions
6. RBC - What are the transaction limits on my Client Card?
7. RBC - How to view and change your daily transaction limits (Mobile App)
8. RBC - How can I go over my daily limit to make a large online transfer?
9. RBC - Additional Account Services

Sources checked 08/21/2025