FAQ

Is there a limit on transactions I can make with my client card?

Yes. To help keep your accounts safe, all client cards have daily limits for transactions made outside of a branch.

To find out your daily limits for ATM withdrawals, purchases, transfers and more:

Sign in to Online Banking.
The Accounts Summary page appears.
On the right side of the Accounts Summary page, choose Daily Transaction Limits.
Your limits for each transaction type appear in a table.

When does money deposited at an ATM or through Mobile Banking become available?

When you make an RBC Royal Bank ATM or mobile cheque deposit, you can only access a portion of your deposit right away. Before releasing the entire amount, we need to confirm that the deposit has been made. Regardless of how much of your deposit is instantly available to use, that amount will still count toward your other daily limits. For example, if you can instantly withdraw $100 from your deposit, that withdrawal will count toward your daily ATM withdrawal limit.

For deposits made Monday to Friday before 6 p.m., you’ll typically have access to the remaining amount of the deposit after 4 a.m., local time, the following business day.

For deposits made after 6 p.m. on weekends or Statutory holidays, you’ll typically have access to the remaining amount of the deposit after 4 a.m., local time, two business days later.

For your security, if a deposit seems out of the ordinary for you, we may hold your cheque for a longer period of time to verify it.

How do I change the limits on my client card?

If you’re of legal age, you can make up to 3 temporary limit changes in a year

To make temporary changes to your daily limits for ATM withdrawals, purchases, and transfers on eligible accounts:

Sign in to Online Banking.
The Accounts Summary page appears.
From the menu on the right side of the page, choose Daily Transaction Limits.
On the right side of the Daily Transaction Limits page, above the table, choose Edit Limits.
To set temporary ATM withdrawal, purchase or transfer limits for your account, enter your new limit to the nearest multiple of 10 in a box on the right.
Choose your expiry date and select Next.
Review your information and select Confirm.

Your new limits will be in effect until the date you selected. You can set limits that last for up to 60 days.

If you wish to change your limits permanently, please contact an RBC Advisor at 1-800-769-2555.

What if I need to make a purchase that exceeds my daily transaction limit?

If you need to make a purchase that exceeds your daily transaction limit, you might be eligible to temporarily change your limit. If you’re of legal age and have made fewer than 3 changes to your temporary limits in the past year:

Sign in to Online Banking.
The Accounts Summary page appears.
On the right side of the Accounts Summary page, select Daily Transaction Limits
Your limits for each transaction type appear in a table.
On the right side of the Daily Transaction Limits page, you’ll be able to select Edit Limits.
To set temporary ATM withdrawal, purchase and transfer limits for your account, enter your new limit to the nearest multiple of 10 in a box on the right.
Choose your expiry date and select Next.
Review your information and select Confirm.

Your new limits will be in effect until the date you selected.

You can make up to 3 temporary limit changes in a year, and you can set limits that last for up to 60 days.

If you wish to change your limits permanently, please contact an RBC Advisor at 1-800-769-2555.

Why is the amount remaining on my client card daily limit not exact?

The amount you see on screen is a close approximation based on the number of transactions you’ve made that day and the value of those transactions.