The royal bank of canada on line banking dave mckay rbc If you’d like to enrol your business account for Online Banking, you’ll need your RBC Royal Bank Business Client Card. Enrol in person or on the phone. Alternatively, you can visit a local branch. Business clients can call us at 1-800-769-2520 1-800-769-2520. Royal Online. RBC Royal Bank offers the convenience of banking any time of day using our online banking services. We ensure that your information is secure with the use of state-of-the-art encryption technology. Our advanced security features help ensure your funds, banking activities and personal information remain private and safe.

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I hate writing bad reviews but their system is a complete mess. It is easy to book online and granted their backend has improved over the years... But heaven forbid you have to call in to get something changed or fixed... Horrible wait times, completely clueless agents, just a gigantic pain... Such a scam and the representatives are extremely unhelpful! They basically have no return policy because it is so useless - can only return if a product in the same condition and within one week of order. I have spent many hours going back and forth to different people over the phone to resolve the issue of not being able to sign into my rewards online. "The system is down and only a few people were affected" is what I was told. I have over 200,000 points and do not know what to do. I had to book a trip for my son to come home and it took over 45 minutes over the phone with their agent. I have been with Royal bank rewards for over 15 years. My question and frustration is why is this taking so long? I made the mistake of cashing out 70,000 RBC points on Nov 22nd towards gift cards. On the next Monday, there was a 30% off gift card sale. Due to not waiting until Monday, I lost out on $150 in gift cards. 6 weeks later, I still haven’t received the product but the points have been deducted since the day of purchase. I called to see if there was anything they could do. It is not just a scam - it is something you are powerless against. I called the customer service (they responded quickly and the representative was very polite) and said that someone from the RBC Rewards program will call me within the week. I called again (this time was a much longer wait and less information was provided by the representative) and I was told that they have returned my points since they couldn’t track the shipment (without informing me). I have had my card for over 10 years and been an RBC customer since I was 10. 11 days, 14 contacts, over 9 hours spent on the phone. A month and a half of waiting for a product saying that it has been shipped (but apparently they couldn’t track). I am very disappointed that they just say sorry, we didn't know. None of the so-called professionals but realistically ignorant thieves were able to explain why can’t we redeem our points, why does order fail to complete, why they cannot connect to the right person, why do they contradict each other. Said that a representative will follow-up and call but no one did. In October of 2017, we had booked a Europe trip for June 2018. They will never call you back if promised or interrupted, some of the reps (like W. in Northland location) will not be able to speak clearly in English, to understand majority of your statements and will give you 800 number in the end to call, they will keep bouncing you between card services and security office and the online services and each will promise that someone will call you early next week. A week later, I received a call stating that they need to reschedule or cancel. After an hour on the phone, we agreed to move our dates and they offered to upgrade us. Upon check-in, with the airline, we discovered that RBC Rewards had downgraded us to the basic economy (no checked bags, no seats together). We ended up paying an extra $300 each way for our family. We have also tried booking flights, only to discover that it would be less expensive to just book and pay for them out of pocket. We were loyal customers, but after this fiasco, we are looking at a different program. It’s been three weeks since I used my points to buy an i Pad. The points were deducted immediately but no one can tell me where the product is — just that it has not yet been shipped. Customer service is unable to tell me when it will be shipped — if ever! Blames a “third party” reseller that purchases the i Pads from Apple. I would never have used my points if I’d known it would have taken this long... and I still have no idea how much longer they will make me wait. Hello - this is a RIDICULOUS situation - I cannot speak with anyone - I booked a flight that leaves in 17 hours time and my email says I will get confirmation in 24 hours - I have been calling four hours and am disconnected every time I bought this flight to meet a medical appointment, and you cannot confirm I have the flight - my points have not been deducted so I cannot cancel, RIDICULOUS and PROFESSIONAL. Why have people answering the phone for existing reservations - but no people who can help? They put you through to connections that never answer ! You can Trade with Points as long as you have an eligible RBC Direct Investing account and an RBC credit card that earns RBC Rewards points. Read Full FAQs Apply for an RBC Rewards Credit Card The RBC Rewards program is offered by the Royal Bank of Canada. The use of RBC Rewards points is subject to the RBC Rewards Terms & Conditions. You cannot earn RBC Rewards points through RBC Direct Investing (RBC DI). You may only use your points through RBC DI to: (1) pay for trade commissions on your eligible RBC DI accounts; or (2) transfer points to cash contributions to your eligible RBC DI accounts. It is your responsibility to make sure you have sufficient contribution room within your registered plan when transferring points to cash contributions to your registered accounts. The Canada Revenue Agency may apply tax penalties for over-contributions. RBC Direct Investing is not responsible for any such penalties. The products, services and securities referred to on any RBC Direct Investing automated service (as defined in the Operation of Account Agreement) are only available in the jurisdictions where they may be legally offered for sale. The information provided on any RBC Direct Investing automated service should not be construed as an offer by RBC Direct Investing to sell specific securities in any jurisdiction, including the United States. If you are not currently a resident of Canada, you should not access the information available on any RBC Direct Investing automated service. per equity trade when you trade 150 times or more per quarter. All RBC Direct Investing clients pay $9.95 flat CDN or U. per equity trade with no minimum account balance or trading activity required. This pricing only applies to trades placed through an available Automated Service (as such term is defined in RBC Direct Investing's Operation of Account Agreement), including the online investing site and mobile application. Rbc reward rbc lachine The RBC Rewards app is operated by Royal Bank of Canada. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement and the Master Client. As an RBC Rewards member, you can achieve your goals faster to enjoy the rewards you want. Purchase additional points, combine points from multiple RBC Rewards Cards or pool points within accounts. Purchase additional points, combine points from multiple RBC Rewards Cards or pool points within accounts. It is important to clarify that "RBC Rewards" and "Points" mean the same thing and will be used interchangeably. Furthermore, the RCB Avion program is an extension of the RBC Rewards Program, providing specific travel rewards. The Avion program accumulates standard RBC Rewards points, the same as other standard RBC Rewards accounts. There is no easy answer to this question, as the dollar value of your points is determined by what flights you redeem them for.’s research reveals that on average one RBC Rewards point is worth $0.0114 when redeeming for flights. Here is an RBC Rewards redemption chart summarizing what we found: There is a large discrepancy in the dollar value of your points when redeeming for flights in different flight regions. For example, on average you receive $0.0095/point when redeeming for a flight to Europe, compared to $0.0131/point for a long-haul flight in Canada/US. The example below will demonstrate how to properly value your points and will show the difference in value when redeeming for a flight to Vancouver compared with a flight to Paris. The RBC Rewards program has a unique system of stratifying flight regions based on ticket prices in that region. There are 6 separate regions, each with an individual set number of rewards points required for airline travel, up to a maximum ticket price. If the flight in question is more expensive than the established maximum ticket price, the difference must be paid for with rewards points (at a rate of 100 points/dollar) or in cash. The same holds true for airline taxes and fees as they can be paid for either with points or in cash. To find out the total number of RBC points required to book a flight you must sum: A. Find the price of a flight on Kayak (we use this flight price because if you did not book through RBC you would have your choice of booking through any provider rather than just Travelocity) B. Look up a comparable flight on RBC’s rewards centre on the same date, noting the number of points required and the taxes, fees, and surcharges C. Add the points required for taxes to the general RBC point requirement for a comparable flight (RBC allows you to pay for the additional taxes with points) D. Divide the price of a flight found on Kayak by the total points required for a comparable RBC flight to find the value of one RBC rewards point When redeeming your points for a flight to Vancouver you receive $0.0125/point, which is good value for your points. As you’ll see in the example below, certain flight regions provide poor value for your points. With the RBC Rewards program, you can redeem your points for flights, cruises, tours, hotel stays, VIA Rail travel, car rentals and more. The RBC Avion rewards program is extremely flexible, allowing you to pay for the entire cost of the trip using points at an exclusive value (when using the Avion Air Travel Redemption Schedule). Anthing outside of travel costs, including taxes, fees, and additional insurance can be covered using RBC Reward points at a rate of 100 RBC Rewards points to $1 CAD. To redeem from the Avion Air Travel Redemption Schedule, and gain access to the most valuable offers, air travel must be booked at least 14 days in advance. If you require the added flexibility to book your flight fewer than 14 days in advance you forfeit the savings of using the Avion Air Travel Redemption Schedule, but still have the ability to redeem your points at a rate of 100 RBC Rewards points to $1 CAD. If you do not have enough points to redeem for the reward of your choice, you can charge any remaining balances your points are unable to cover on your card, and actually earn points on that amount charged. A new feature of the RBC Rewards program is the ‘Payback with Points’ option. You are allowed to redeem points directly towards your RBC credit card balance, allowing you to use points to pay for virtually anything purchased on you r credit card. The only limitation of the RBC Rewards program is the restriction to booking flights on Travelocity, rather than having the freedom of using any travel website and choosing the lowest price. All in all, RBC provides one of the most flexible rewards programs on the market, providing you with many convenient options to redeem your points and save you money. The dollar value of your RBC Rewards is determined by what flights you redeem them for.’s research reveals that on average one RBC Rewards point is worth $0.0114 when redeeming for flights. Use this as your benchmark and whenever possible save your miles until the value offered is close to or above the benchmark. It’s January 13th, 2015 and we’re trying to book a flight from Toronto to New York’s La Guardia Airport for family day weekend: Friday, Feb 13th – Monday, Feb 16th. On Kayak, we can find a direct flight that will cost $288 including taxes and fees. Through RBC a similar flight would require 15,000 points and an additional $117.56 in taxes and fees. Let’s calculate the value we would receive if we used our points. Since $0.0108/point is of lesser value than the benchmark of $0.0114/point, you will receive a weak return on your RBC Rewards. It is advised that you save your points for a flight that provides you with a greater value for your hard earned points. However, this flight still saves you $288.00 by spending your points. Based on’s analysis (shown in detail on the “Value of Points” tab) we have created an RBC Rewards redemption chart for the 6 flight regions and their average value of one RBC Rewards point : Canada: Manitoba, Ontario, Quebec, Nunavut (Direct flights between Iqaluit and Ottawa only). USA: Connecticut, Georgia, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Hampshire, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, Tennessee, Virginia, Washington DC, Wisconsin. To maximize the value of your points it is important to use your points strategically by flying to destinations that provide good value. The best flight regions are Long haul: Canada/US and Long Haul: Asia, Australia and New Zealand. To maximize the value of your points you should try to redeem your points for flights in these regions. You also get protection for your purchases and rental vehicle. Take a look at all the coverage that comes with a Visa Signature Black and Signature Black Plus card. credit history, making it easier to qualify for a U. We solve the chicken-and-egg conundrum by using your Canadian credit history when considering your credit card application. You can then use your new card in conjunction with a U.

Due to COVID-19, our travel call center is working tirelessly to ensure the safe return and travel of all customers causing longer than normal wait times. If you are not traveling within the next 72 hours, we would appreciate you waiting to change your travel plans. Delays may also occur with traditional redemptions. Transfer Rewards points to your Canadian RBC account, shop with points, redeem your points for travel, donate to a favorite charity, pay bills, redeem for cash and more. Explore All RBC Rewards As an RBC Rewards member, you can achieve your goals faster to enjoy the rewards you want. Purchase additional points, combine points from multiple RBC Rewards Cards or pool points within accounts. Now you have the power to redeem your points even faster for the rewards you want. How to Transfer Points Choose the type of account you’d like to transfer points to then select the amount of points available in your account that you would like to transfer to a second valid RBC Rewards account. You must know the full name and 16-digit card number of the recipient RBC Reward account to complete this redemption request. Rbc reward rbc rbc banque en direct RBC Rewards points can be redeemed for travel, merchandise, gift cards, financial rewards and more. Airline rewards like WestJet Dollars, Avios or Asia Miles can be redeemed directly with the airline loyalty program affiliated with your card. Cash back rewards are credited to your statement as a cash back credit. The RBC Rewards program is all about you. We offer the most ways to earn, save, and be rewarded with things you actually want, when you want them. As a program member, you have access to amazing value and exclusive member experiences that are only available through the RBC Rewards program. The RBC Rewards app is operated by Royal Bank of Canada. For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, please see your Electronic Access Agreement for personal banking clients, and the Client Card Agreement and the Master Client. We’re taking a deep dive into the world of travel rewards program once again, this time focusing on the RBC Rewards program. As with most points programs, you’ll get the best value for your points when you redeem for travel. RBC Rewards not only has the standard option of using your points to book for any travel, but if you have an RBC Avion card you also have access to a flight redemption chart and the ability to transfer to several airline programs. These points can be redeemed for any type of travel through the RBC Rewards site. However, to get the most out of this program, you have to know the best ways to use your points, and have the right credit cards to access the best travel options. 100 points will give you a $1 discount, a value of 1 cent per point. * Travel booked at RBC Rewards – 1 cent per point (CPP) * Air Travel Redemption Schedule (Avion) – 2.33 CPP * Transfer to partner airlines (Avion) – 1.75 CPP * Transfer to West Jet Rewards – 1 CPP * Transfer to Hudson’s Bay Rewards – 1 CPP * Merchandise – 0.87 CPP * Gift cards – 0.72 CPP * RBC Financial products – 0.83 CPP * Statement credits – 0.58 CPP * Charity – 1 CPP* Level of flexibility? Unfortunately, RBC doesn’t give you the option to book any travel you like and then apply your rewards towards your purchase afterwards, nor do they offer price matching. With RBC, however, what you can redeem your points for depends on the card you have – a standard RBC Rewards credit card or an RBC Avion credit card. No * Can I get points back if I cancel an award flight? When it comes to redeeming your points, there’s a multitude of options at your disposal. When it comes to redeeming for travel, the edge definitely goes to the Avion cards. Because if you have an Avion card, in addition to being able to book any type of travel, you can use your points through the Air Travel Redemption Schedule – a set amount of points to fly to a set region. If the base ticket price is more than the maximum ticket price, you can use extra points to cover the flight, where every 100 points redeemed will give you an additional $1 off. Maximizing this chart can give you a value of 2.33 cents per point, giving you the best value for your points. Avioners have the option to transfer points to 3 other airlines – all part of oneworld alliance. Each RBC points is worth 1 Avios, and you have to transfer a minimum of 10,000 points at a time. We value an Avios at 1.75 cents, giving your RBC Rewards points the same value. The second is to transfer your points to Cathay Pacific Asia Miles, where the transfer rate and point valuation for British Airways also applies. The last transfer option is to American Airlines AAdvantage, where 10 RBC points will give you 7 AAdvantage miles. You’ll have the same options as with the other 2 partners. However, since you’re getting less AAdvantage miles, this gives an RBC point value of approximately 1.3 cents. With RBC Rewards, you’re also given the option to transfer your points to select partners. All RBC Rewards credit cards allow you to transfer your points to West Jet. 100 points = 1 West Jet dollar, a value of 1 cent per point, which you can use to help pay for any flights and vacation packages at You can also convert your points to Hudson’s Bay Rewards. Transfer anywhere from 500 to 1,000 points at once, you’ll get double that amount in Hudson’s Bay points. Since a Hudson’s Bay point is worth 0.5 cents, you’ll get double that – a value of 1 cent. You can also transfer points the opposite way, and 40 Hudson’s Bay points will give you 10 RBC Rewards points. Valuable travel and transferring to partners aren’t the only ways to redeem your rewards, however. If you want to use your points to score free merchandise, RBC Rewards has a large selection, one of the largest of any other rewards program. We checked a number of different products and came to an average point value of 0.87 cents. RBC Rewards also has a portal to use your points at Apple and Best Buy. The items we surveyed all had the same point value of 0.65 cents, however your points won’t cover taxes. Redeem for Hudson’s Bay gift cards and receive some bonus points – for every $25 you redeem, you’ll get 50 bonus RBC points. You can also use your points to get RBC Financial Rewards vouchers to use for: A minimum redemption of 12,000 points is required, which will give you a $100 voucher. If you’re hoping to take a bite out of your credit card bill, you can redeem your points for a statement credit. 17,200 points will give you a $100 statement credit, which gives a point value of 0.58 cents. Using your points for charitable donations is a great option if you have some extra points lying around and you’re not sure what to use them for. Here are the charities currently available at the time of writing: Every point you donate is worth 1 cent, and as an added bonus, you’ll get a tax receipt for your donation. Besides transferring HBC points, the only other way to earn RBC Rewards points is with a credit card. RBC has a wide variety of credit cards that can earn RBC Rewards. One thing they all have in common is that you’ll get instant discount of 3 cents per litre when getting fuel at Petro-Canada stations, plus a bonus 20% Petro Points. will offer you the most points for your spending – 1.25 for every dollar and a 25,000 point welcome bonus. Plus, it comes with a great host of Visa Infinite Privileges and a terrific insurance package. All for its $399 annual fee and household income requirements of $200,000. For a lower annual fee of $120, and income requirements of either $60,000 personal or $100,000 household, you’ll still get a great insurance package and a welcome bonus of 15,000 points. The is nearly identical, but is a great option if you don’t meet the above income requirements. RBC also gives you the option to earn RBC points on all of your business purchases. If you close your account, you have 60 days to use your points. Yes, these rewards can be transferred to West Jet Rewards and Hudson’s Bay Rewards. Looking to collect RBC Rewards but want lower annual fees and income requirements? For an annual fee of $110, the is one of the few that earns rewards for all of your purchases – 1 point for every U. If this is something you’re interested in, consider one of these cards: Here are some common questions and answers about the RBC Rewards program. Redeem for any travel you like, transfer to airline partners, transfer to a retail partner, and redeem for merchandise, financial products and even statement credits. If you’re an RBC Avion cardholder, you can also transfer your points to 3 other airline partners. The exact amount depends on the travel supplier provider. Yes, by transferring Hudson’s Bay Rewards to your RBC Rewards account. Here’s a list of numbers to contact RBC Rewards, depending on the card you carry: RBC Rewards offers a wide variety of ways to use your points – travel, gift cards, merchandise, and financial services. Plus, with the option to transfer to airlines and Hudson’s Bay, there’s a redemption option for everyone.