Royal Bank of Canada Reviews

The bank performed horribly. They lied to me in person, and did not keep their promise. On the phone they won’t answer any questions. I was basically told I was stupid for not knowing what they were talking about.

**Review Title: Disappointed with Unexpected Account Closure Fee** I recently had an unfortunate experience with the Royal Bank of Canada that left me feeling frustrated and dissatisfied. After deciding to close my bank account, I was surprised to discover a fee associated with the closure. I had been a loyal customer for several years, and I expected the process of closing my account to be straightforward and hassle-free. Instead, I was hit with a fee that I was not made aware of during my previous communications with the bank. This lack of transparency is concerning and made me feel undervalued as a customer.

Over the past two years, I've mortgaged two properties with RBC. In each case, they awarded me with 55,000 Avion points, claiming that I could fly anywhere in North America. Last year, I booked a cruise to Hawaii from Vancouver, with the intention of flying back to Canada via Air Canada. I went onto the Avion web site, found the appropriate flight and booked it. The 55,000 Avion points translated into approximately $400 of savings, hardly enough money to fly one-way to Calgary from Victoria, never mind anywhere in North America. The cruise was scheduled for October 2024, but unfortunately, the cruise line changed the itinerary, rendering the cruise pointless.

I would like to thank Mr. **'s for helping me with his professional manner, patience and 100% customer-oriented attitude. I live in BC and when I called it was 10:30 pm in Moncton N. B. Already. His kindness in helping me is greatly appreciated!

I come to met one advisor to see why my line of credit still in the very high interest rate. That I had opened since 2004. She did submit a request to the board last week. But until now nothing had happened. I'm not a happy camper at the moment. Because everyone now is charging 6% or 7. RBC got me in 12.22 that’s a nightmare.

I’m very disappointed with RBC. They have been deducting a monthly fee from my account without my consent or prior notice. I only discovered it after checking my transactions, and when I reached out for clarification, I was not given a satisfactory explanation. Banks should be transparent with their fees and notify customers before taking money from their accounts. This experience has made me question RBC’s customer service and trustworthiness. I expected better from such a large financial institution. I will be looking into alternative banks that value their customers.

The actual RBC advisors are wonderful but on the phone the automated voice assistant is awful. When I call about very specific issues, the options it offers are often unrelated and SOMETIMES it connects to an advisor anyways when it doesn’t know what to do. But you need a couple calls at least to figure out the right wording for it to connect you which is a lot of extra unnecessary work. Mind you, if it senses your irritation on the phone it will hang up on you. It sucks and I hope they get rid of that retched thing.

Branch manager suggested I transfer a GIC as a GIC to Direct Investing, which I knew I wanted to cash\redeem then transfer as cash, to Direct Investing. So I did as he suggested, incorrectly. Direct Investing cannot redeem a Mutual GIC. So I requested a transfer back. 2 weeks later I called, which took an entire afternoon. Including multiple phone transfers with people who had no clue what they were doing. This COMPLETELY BROKE RBC.. It's been 3 months and with multiple in-person appointments, and my funds are still sitting in Direct Investing. With the stock I planned to put these funds into they've cost me 11% in 2 months. RBC IS FIRED!

I will post an honest opinion about RBC. They are generous when it comes to giving refunds about your NSF fees. Just explain what happen. And then will help you right away. Recently, I called them about my loan with them. I kept calling and asking them for the same question because I am so overwhelmed. I have a lot of things in my mind that causes me not to think clearly. I kept calling them, and then the last agent that I’ve talked to said that I just talked to him recently. And I feel that he has no patience and being rude to me. I felt bad. I just want someone to help me and fix my problems. Agents will going to ask you security questions and then transfer you to another agent, and that agent will ask you the same questions again. Recently, I got 4 agents that transferred me.

I have been waiting almost 2 hours on hold trying to sort out a glitch preventing me from investing as they sit on my cash day after day. I waited an hour yesterday before giving up, and already had to use my phone for business earlier today and gave up after an hour. Irritating and repetitive marketing the whole time. No option for a call back. I will be taking out all my cash and putting it into another bank. Pathetic!! Their online site is confusing, not intuitive at all, and some transactions require a trader, who I have never reached.

We used to be with this bank. Ripped off my mother, collaborated with an overpriced lawyer, never answered to my mother on the 10000.00 they charged by their lawyer to settle an account Under 10,000.00. Former student loan mismanaged had to pay more to rectify after 20 years. Horrid bank to deal with especially if you are low income. Avoid this abusive institution.

Recently, I fell victim to a sophisticated job scam where I unknowingly transferred funds to fraudsters. Despite reaching out to RBC twice and providing all relevant details, including evidence of the fraud, they refused to reimburse my funds. Other banks, like Scotiabank, have shown a commitment to protecting their clients by reimbursing victims in similar situations. However, RBC has demonstrated a lack of empathy and client care during a time of financial disaster. To anyone considering opening an account with RBC, think twice. Choose a bank that truly supports its clients in times of need. I’m sharing my story in the hope that someone from RBC’s social media team will take notice and help resolve this issue. Client trust and security should be a top priority for every financial institution. (my contact details **) #FraudAwareness #RBCCustomerService #ProtectClients

So I made the mistake of paying the wrong payee. I paid to a visa that no longer exist. I called to that visa company to let them know and they told me to contact my own bank which I did. For 3 months I was dealing with different people on the phone. One people finally told me the investigation was over and the money was going to be in my account within a week. I called after that week to let them know the money never was given. I was told it was going to be on a date but the following month. I waited until that date still no money. They then told me that it was denied by the other visa company and I should contact them which I did.

I switched my line of credit and the balance of my credit card (total 50,000 CAD) into a personal loan, have it with interest rate 13% for 10 years. While Bank of CANADA was going to start cutting the rate. Now I the rate is 3.75% what can I do!!!

Canceled my insurance on my mortgage & line of credit while I was on long term disability as result of a serious car accident. Tried to reach someone ANYONE from RBC insurance to clear things up....on hold for 2 hours. Impossible to reach ANYONE in the insurance department....They should be ashamed of themselves. Stay away!!!

- 10 Stars. I called and waited for 20 mins with a annoying voice on the phone... reminders going in circles.... I disconnected. Called the investment number to finish a transaction and then got transferred to Visa card department. Apparently they don't work on weekends, and I asked to speak to a manager. I got transferred where it felt it was a new call. I asked to speak to someone not a machine. My cc account is suddenly charged with BALANCE PROTECTOR PREMIUM which I declined years ago. Why do I have to spend 20-30 minutes to make a simple request. I am totally disgusted with your service and the wait time. Let's go crypto bypassing all this nonsense.

RBC sold the funds and bought other funds in my RRSP account without my permission in 2022, I contacted them and didn’t provide me a valid reason. Today I made a phone appointment at 7pm, but never received the call. This bank is so dishonest and I strongly suggest to avoid any business with them!

I applied for mortgage protection insurance and was quoted $160.77 per month for life and critical illness. It was approved yesterday but the amount was $237. When I called to inquire they said that I never spoke to a mortgage insurance. Second the quote was incorrect. Now I have to cancel the critics and re-apply for the disability insurance. They are still going to charge me the $237 on my next mortgage payment and hopefully reimburse me when the new application is acce. I obviously talked to an insurance specialist and was quoted the $160.77. They basically told me I'm crazy and and didn't get that route. When we are up for renewal next year we will be going to a different bank.

There is a automated machine talks to you, asking questions before they connect but it is a pain. Doesn’t understand what you say plus when you enter the card it say wrong too. It is a pain. Doesn’t understand. I will never recommend you to call.

No business ethics, poor customer service. Your credit card may get blocked when you need it the most and none will enquire about your transaction but it will be straight locked. You spend hours with stupid staff unlocking and they will keep transferring you AND if you get disconnected, all the best with doing all exercise again. Your access may get lost for even depositing a cheque in your own account on the name of threat to this stupid organization. Nonsense system.

Don't use RBC if you can at all avoid it. I applied for a West Jet Mastercard, which is through by RBC so I didn't have a choice in dealing with this bank. The online application process was super easy but everything after that was painful. Rather than sending the card directly to me, then sent it to a local branch, to which I had to go and pick it up. I decided to add a card for my wife which you'd think would be another easy online thing but nope... I had the choice of going online, printing an application, filling it out manually and MAILING it in or, make an appointment with someone at their local branch and go in and fill out an application.

We asked to speak to a mortgage specialist, but instead they gave us an appointment with an investment person. She, then said she’d get a mortgage specialist to call. One week later a guy texts me. I told him that we already found a mortgage broker who found us a mortgage. That’s not trying to do business well.

They let a fraudulent person open a bank account under my name and after I had to spend time and money to get it canceled they wouldn’t even compensate me $60 a month for 6 month to monitor my credit.

Too bad RBC does not care about the reviews we write here, but to any future customers - be warned. This bank does not and will never have your interests at heart. I am so glad I am switching to a different bank. They only put in effort until the fish is in the boat, then they can't care less. Worst interest rates, been with them for 5 years but I receive line of credit offers at almost 2% lower interest rates from CIBC and BMO. Asked them to match it so that I can stay, but no, they need to run a hard credit check. So screw the fact that I have always paid more than the minimum and I have my RRSP with you etc. you still want to run a credit check on me? Yeah, get lost RBC.

After twenty years of banking with HSBC we were disappointed to see the company leave the retail banking sector. The purchaser, RBC made blanket assurances that the transition would go smoothly and all would be well. Well....That was the first fallacy. When we consulted with the main branch here in Kingston we were assured that all would go well. Other than those bland assurances, they knew nothing. One of our accounts was lost and finally found after 30 days. From that moment everything descended into mediocrity.

Hey just now I spoke with one of the so called advisor name called Sam!! He is so unprofessional and rude on call as he disconnected the call while speaking without listening and resolving My issue, I really don't understand how could someone could be so unprofessional as he didn't listen to their customer queries and disconnecting the call.

RBC I will not bank with you again, after having your security department breached and $2300 taken from my 3 year old son's bank account. Worst customer service ever!!!! I am filing a statement of claim. Scam yes it was, but they breached my info from RBC. I have TOLD everyone I know not to bank and I am switching all my accounts to a bank that will back me up.

I spent 20 minutes on the support line only to be told that I had to visit a branch in person because I asked to transfer my RRSP for a down payment of my new house. But they weren’t able to book an appointment in town because there were no available slots entire week. I was advised to try at the branch. When I arrived at the branch, I waited in a line for at least half an hour, only to be told by the bank staff that they wanted to fit me in, but all the specialists were currently in meetings. I was politely brushed off. I then asked if they could check later and left my phone number with them. They didn’t call back.

In my opinion, RBC is the worst of the big five banks in Canada. When HSBC was acquired by RBC, I had no choice but to deal with them. Now that I’ve experienced their level of service, I will be switching to a different bank. The representative I’ve been working with to get a mortgage rate was unresponsive. When I called to follow up today, I was told it’s too last minute and my only option is to go with an open-term rate of 8% with my current bank before RBC would begin working on our mortgage transfer.

I was just trying to book an appointment with an agent in one of the branch of #RBC Bank. First agent asked me 5-7 SECURITY questions and was not even able to navigate their system. Surprisingly he Could not even find my branch in their system, how funny is that!! Then transferred to another agent, (who was mumbling and difficult to even understand) and he started asking me a completely different set of SECURITY questions which make me frustrated. For example, After knowing my Date of birth he asked me how old am I?? Seriously??? After 25 min I hung up because I cannot accept his logic! He said I was not able to answer all his questions!!! So he cannot book an appointment for me with an agent. My account number, DOB, and other credit card info was not enough for him to ONLY book an appointment.

My experiences at this bank - 40 King st is quite distressing and painful - for the most part I found two tellers especially - I think one is a team lead or a supervisor. They make errors and serious ones and behave as if it’s our fault and are very dismissive and rude. A serious error was made with a payment of over 500+ and the supervisor was overseeing a trainee and the payment went somewhere else. Month after I found out and when I went it there was no apology, remorse or attempt to help rectify the situation. I had to end up double paying as I was charged interest. I went back and forth and had to call the places they made the mistake with and I had to pay. We are valuable clients and this does not resonate well. If it weren’t for clients the banks could not be in existence. I still have lost over 500+ no fault of my own - and this is hard in these times.

First bad experience with them was about 10 years ago when I wanted to transfer all my banking with them, but they requested a cosigner to provide the same lending capacity I had with my old bank, when I didn’t need a cosigner before. This year, I asked to have an insurance and they were refusing to protect me for illnesses I never had including ALL mental illnesses when I only had depressions and for pneumonia when I NEVER had pneumonia. They were charging me more because I am a little overweight while protecting for less stuff, but I never missed a day of work in my life, never been hospitalized. And I take care of all health issues I got.

When I initially enrolled with the RBC WestJet Mastercard, I was informed that every purchase over $250 would qualify for the installment plan, offering a lower interest rate on larger purchases. This feature was indeed available for the first few months after I obtained the card. However, after paying off the installment plans that were active, I have not been offered any installment plans for purchases over $250 for over a year. On June 4th, 2024, I contacted RBC customer service (1-844-766-1610) to inquire about utilizing the installment plan for an upcoming large transaction. During this call, I was assured by your representative (the conversation was recorded) that even if the installment plan option did not appear initially, I could make the purchase and then call back to have it set up manually on your end. Relying on this assurance, I proceeded with the transaction using my RBC WestJet Mastercard.

Cheque holds with no explanation (which I ensure I get back), and system glitches resulting in ME being overdraft in account when I have no overdraft set up. No help in situation, told I have to pay for it!!!

My RBC credit card wasn’t renewed automatically. Multiple calls later… apparently my account had been accidentally referred to collections (?!?!). Many apologies. They promised a quick courier of new cards. 10 days later they arrived by Canada Post. Now, a flight booked through RBC Avion Rewards VISA was charged on both the credit card and with points. Many apologies from customer service. I am to wait 5 to 7 business to see what can be done. This doesn’t inspire confidence.

You need to be very, very, very careful when signing up for anything with RBC, they like to make great offers and then tell you later that you do not qualify. All the information they provide you will say you are getting the offer but when you don't get it and talk to them they will tell you that you should have read the fine print, their advisors will lie to you to get what they want. For example the Avion Infinite card had a 35,000 sign up bonus. Plus if you spend another 5000 dollars in 6 months they will give another bonus but you will not get it because in the fine print it says not valid for current rbc customers.

As a family, we are five generations deep in banking with the Royal Bank. I am completely dismayed by how far down the quality of service provided by the Royal Bank has gone. I take care of an 87-year-old mom and have the power of attorney on her accounts. We buy her groceries and pay her bills, but in the last several months I am unable to transfer from her account to my account after 5 years of doing so. This is unacceptable. We have now concluded that after 5 generations it may be time to pull all of our corporate and personal accounts from your institution. The Royal Bank is not a solution-based institution, and if you are looking for a bank I would say please review all of your options before doing business with the Royal Bank of Canada.

I recently lost my wife and RBC insisted that I needed to go through Probate (which I did) and I also shared the verified Will and Testament with RBC as per request of RBC. I was the sole beneficiary and my lawyers stated that there was no valid reason for RBC to request probate! Despite having shared Probate documentation (duly received from the Courts) and the Certified Will and Testament the bank now are asking for more documentation and want me to sign documents which are NOT factual.

I am 49 years old, and this is BY FAR the worst banking institution I have ever dealt with! Today was the 5th time I had to speak to an RBC representative about the fact that, almost 6 months later, I have not received the link to the iPad promotion for the new client. I was even told by one of the managers at my branch in N.E. Edmonton last month that I had not fulfilled the criteria to qualify for the iPad, which is a blatant lie, if not pure incompetence.

I had an amazing experience with the Financial Advisor, Barkha ** at Royal Bank of Canada Guelph, located on Clair Rd E. She has understood my personal condition changes and helped me a lot to cope with my banking issues, even when I was abroad. I recommend her if you are looking for an excellent Financial Advisor.

I currently have a business account with Royal Bank of Canada. As part of my business account, RBC provided me with a RBC Mastercard for business expenses. Last month while reviewing my RBC Mastercard account, I noticed that RBC Mastercard charged me an interest of non-payment for the monthly statement. That's when I realized that I paid the amounts - $123.55 on Dec 28th and $194.77 on Feb 26th to RBC Avion Visa Card - A personal credit card I had and closed 18 months ago. I also ensured to pay the balance to Mastercard immediately.

Deposited a bank draft, two months later, they decided to remove it after it was cleared PERSONALLY by the "bank manager". After calling, they have no answers or info on the issue just told me sorry....

I am a new customer for less than a year and I have never had to visit a branch this much in my lifetime. I've had my banking card locked THREE times for fraud. No fraudulent payments were made, nor anything else beside trying to put my card in my wallet on my phone. Since I live over an hour away from the nearest branch, they gave me a virtual appointment to unlock my card, and never gave my the joining code so I couldn't access it. I can't make any payments on my credit card because I can't access my online banking, so now they're adding interest to it. And as this is the third time my account was frozen for fraud, it has also been going on for TWO MONTHS. I'm canceling both my debit and credit cards ASAP when I can access a branch which I'll either have to miss work for as a contract worker, or go to my nearest city, carless, which is again over an hour away, 2 hours by bus, on the weekend.

Worst customer service ever. I am receiving credit card statements that I never opened with RBC. I called customer service and was on phone for almost 3 hours with them asking them to investigate and close the account. My call was transferred from one rep to another multiple times and the last rep hung up on me saying they cannot investigate it since the account was set up in 2009. And I am receiving statement in 2024. None of them had answer to my questions. I am definitely taking this issue to social media and complaining about this issue.

I have a small amount on my credit card to build credit that is paid off monthly. My credit score is over 700 at any given time, and I no other existing debt. I've been with RBC for a long time. Recently I went back to school. I required a student line of credit as a fallback for unexpected expenses. As a result, I applied for one with RBC. Over the period of 2 months, I spoke with 6 different people, my file was lost to one who stopped working for RBC, then passed from one to another. Each asked me for the same documents I had sent repeatedly. I could never get a hold of someone at a branch without jumping through hoops. Each told me given my credit score there would be no issue. I had asked for 25,000, they gave me 5000. I wrote back to them, and since then it's been silence.

My wife and I have banked at RBC for over 15 years. We have the following accounts: Canadian chequing and savings; high interest savings; two RRSPs; two RESPs; a mortgage; and US chequing and savings. I also used to have an RBC business account. There is not a single department at RBC that is competent or professional. You speak to one employee and are told one thing and then something different by another. At the branch you wait in long lines and if you call, you wait forever in the phone tree. For 15 years, my wife and I have had to make multiple visits to various branches to correct errors made by their employees on our initial visit. Avoid this bank.

RBC is by far the worse company. I had a wallet stolen with thousands of charges on my RBC credit card and RBC has left me hanging out to dry. They do not care about loyal customers as I have been there over 25 years. I had police reports, receipts proof of everything and anything they needed, there was pictures and proof that it was not me at the ATM withdrawing money, AMEX who refunded it within 2 weeks is a way better company for credit cards. It was blatant fraud as there is picture proof but yet RBC chose not to. Not only did they do that they put the charges back on my card 4 days before Christmas with no notifications, phone call or any justification as to why they did.

RBC refuses to release my dad's money after he died. I am my dad's executor. He has no one else. He had no property, no probate, no will. He only had $12,500 in the bank. The RBC refuses to release his funds. We have provided his death certificate, & everything needed from CRA. They still won't budge. Tye want us to get a court order. They do this to a lot of families & end up keeping the money for their own coffers. The manager of the Kelowna Orchard Park branch is a witch. She has no care or heart for people dealing with loss & grief.

I went to my local branch for help. I had my insurance come out and I had the money there...a small bill came out I wasn't aware of and made me short my 4$. I was told there was nothing they could do and then proceeded to tell me I was a threat and they were ready to end my banking service relationship. This has happened in the past..literally over pennies and at times they would allow the payment to go through and other times no. I was told I had that feature taken away..so instead of helping a customer they take 1 small thing away that could have saved this issue. They also randomly go in and change my limits w no notice..based on credit. Have never committed fraud or scammed the bank but here they are threatening me. Way to make a customer feel valued. Closing my account and letting everyone know that RBC lacks customer service and empathy...or the desire to help the little clients like me.

I've been happy with RBC for 30 years but the quality of service is deplorable now. I've been locked out of my account for a week and having to live off my credit card, despite hours spent on the phone and in the branch trying to resolve their error. Finally the branch manager corrected the problem earlier today, except she didn't. I'm still restricted from using my funds and I have to start all over again tomorrow. I'll be closing all my accounts and moving everything to another bank.

I have been with RBC for 35 years and am enduring the hell of extricating myself because it is shocking how bad the bank has gotten: mostly bot customer service, errors, disregarded information from financial advisors & the list goes on. I would recommend caution and am seeking a swift exit—though it seems this problematic bank has reserved the worst error prone streak for last. You don’t deserve to have to deal with their bots or website.

I’ve never had such a miserable experience before as I’ve had with RBC. Multi-hour phone wait times, 6 or 7 transfers while they play hot potato trying to figure out who can actually solve my problem, locking my credit card down and requiring me to visit a branch IN PERSON for a “suspicious” purchase on Amazon…. Nothing but rage and frustration would describe my interactions with this greedy collection of incompetent bunglers. Avoid at all costs.

Although the staff are excellent the service over the last few years is well below par. The bank has six to seven stations and most often two to three staff available to service the customers. Especially in the afternoon when it's busy. No business stations? At times the lineup is 15 to 20+ deep. The patrons are fed up. We all talk in line and we get the feeling RBC would prefer us to use the bank machines. We wait far too long to be serviced. Several patrons include myself leave the bank before we speak to a teller. It's incredibly frustrating. Being a VIP customer for approximately 40 years it's very sad to see how the service level has decreased especially after you read the profits RBC is making year after year.

I am deeply disappointed by RBC's handling of a recent issue with our credit card. We booked a flight through the Avion Rewards program, only to discover that we were charged an exorbitant amount inconsistent with the agreed-upon ticket prices. Despite attempts to resolve this with the Avion Rewards team, our concerns were met with inadequate responses, long wait times and a denial of our refund request. I also visited my local RBC branch and the manager refused to speak with me and gave me a "how to make complaints" pamphlet with useless information.

RBC is the absolute worst. I paid off my credit card, so they locked me out of all my accounts. They said it was reported fraudulent, when it wasn't. They are the ones that decided it was fraudulent to pay off one's own card because they would rather you be indebted to them, thousands of dollars! On top of that they're now threatening to close my savings account which I've had for 23 years! Honestly, they disgust me.

Been with them for over ten years. Would not recommend to anyone. Their fraud department is useless and will not reimburse on any type of fraud and can take up to 8+ hrs to get a hold of. The fraud department is very rude and disrespectful, asking inappropriate questions and making accusations. Their employees in the client care centre also do not take any types of complaints seriously. They do not side with the customer whatsoever. I’d take my money and run from them. Not worth the hassle. Other banks have much better deals and perks. RBC only cares about the $ they rob from their clients.

We were told that Bridge Financing for our new home wouldn't be a problem. We are now less than 18 hours away from possession date and time and STILL we do not have the Financing in place. We were pre-approved we are approved, and we have no idea if we have a home tomorrow, Friday or over the weekend. If we get possession on Monday then we owe the buyer interest for the 4 days of not having possession of the house. This is ridiculously stressful for a process we were told was done all the time.

I have been a loyal customer of the Royal Bank for over 60 years, in good standing with an excellent credit rating. I visited a Royal Bank branch because there had been a error made in a charge to my credit card. While I was there, the person serving me asked if I would like to switch my credit card to a rewards card. I told her I already had a rewards credit card and didn't need another.

I've been with RBC for over 30 years. In the past, contacting a representative was never an issue, however waiting over 2 hours to report fraudulent transactions on my credit card, finally speaking with someone, to be placed BACK into the queue and wait another hour is an unacceptable business practice. If a 30-year customer with all their services with the institution isn't valued, why bother staying? I'll be searching for another bank.

I had some money in checking account, I was not really using the account. As if they charge monthly fees it should show on checking account but in my case it was not visible. I was not aware I was paying monthly fee. No emails no notifications nothing from bank. Just because I didn’t get any emails or the amount was not visible on my checking I paid 200$, not my mistake, they should at least inform me. I talked with agent she suggested me, if I am not using the account much I should transfer my money to savings. If I knew this before I was getting charged on my checking statement, I would have saved 200$. They said they cannot refund. They should at least drop an email regarding the charges so I could get my money saved. No email, no refund, lost 200 bucks or more than that. Want to close my account from this bank. Very poor service, bad application system, no reminders, no notice.

I was on a call with customer service about withdrawing from my investment account, When the call was dropped. Then I come to find the next day Is that my investment account has been closed? And all the money has been moved. Customer service is terrible. Look elsewhere.

This bank sucks. Their automated service will recognize my debit card number so I can’t do banking. It tells me to call back, but how can I call back if the automated service doesn’t recognize my debit number? I’ve called the bank they won’t do anything about it, so how can I do my banking if I can’t use the service, they don’t seem to care. Do not deal with this Bank.

I joined RBC because the owner of a company I just started working for told me RBC is offering a free tablet when joining, which was perfect for my job roll. I followed all the requirements and in the time frame, I'm a very thorough person and called in couple times to confirm I filled the requirements. The confirmed. I was patient waited couple months and called in to ask for an update, they said it will take a little longer as they had so many people do the same. After a couple more months, a representative said they discontinued the promotion but because I qualify they will credit me the amount, I asked what am I expected to receive and when, the representative said, "It's $600 and can take up to 3 weeks to credit your account."

Sam ** at the Uptown Waterloo RBC branch did an outstanding job in setting up my retirement portfolio. It was a complex job pulling together investments I had with other lending institutions and consolidating everything into my RBC account. Sam took the time to make things happen and kept me well informed on progress and thoroughly explained how my retirement funds would create a monthly income stream now that I have turned 71. Thank you Sam for a great job!

I am 21 tera with RBC. Usually, I do banking in RBC AT MAIN STREET CAMBRIDGE. The behaviour of people who work there is below zero. I don't know where they find the all these workers without any education including and supervisor. First they don't speak English. Looks like it is important to be from Indija. I have a feeling that I am in some village in Indija. They are disgusting.

Do not bank with Royal Bank of Canada unless you have extra money for their hidden charges. They don’t care and customer service at most branches is non existent. If you deposit cash into the bank machine it is posted to the next day. However you can go shopping, make purchases but if you have a payment coming out and you deposited in cash through the ATM they will NSF your automatic payments. This changed around August 2023 and they were sneaky. So then you get hit with a 45 NSF fee. Also if you go into a branch on the weekend they don’t post your deposits until the Monday even if it is cash. Closed out my savings account with them and slowly moving everything to another financial institution. Their service in their branches is atrocious. This has been a year and half of hell from Royal Bank. Do better.

I have several products with RBC Bank. A few weeks ago, I fell for the Cross-Border banking pitch and opened a personal checking account on the US side. It was great at the outset, as I could click and transfer funds with a single log in. I was informed that while the parent company is the same, they are in fact separate banks.

Why is it you have done this to me again. I have tried to see your opinion and found it to be wrong. Simply my card was not working. You have been told do not suspend my account yet you did. Not the first time this has happened. Are you guys insane? Are you stupid? Then they gave me a lame excuse. Even though I have been a customer with the Royal Bank for over 30 yrs I recommend trying other bank. You can’t do the simplest of things. First time cost me 1000 dollars. Second time cost me fuel and time as I live 2 hrs away from the nearest bank to which I had to identify myself. I was in Monday at the bank in Thunder Bay and back in on Friday in White River. Amazing. The first time you closed my account and moved it to a bank I have been to three times in my life time. Thanks Again.

I transfer money over from another savings account to cover payments coming out. But RBC realigns how you spent your money in a different order than what you actually bought then bounces your payment by holding debit transactions for days and charges you NSF. NEVER ONCE HAD I EXPERIENCED THIS IN MY 28 YEARS WITH MY OTHER BANK.

I had an open mortgage and deposited online 5000$ 5 days before the mortgage to be closed. The transaction was not recorded anywhere to be seen. 5 days after the mortgage was paid off in full the 5000$ were withdrawn from my savings account and simply disappeared. Several calls to customer care and no answer where the money went. After couple of weeks 4480$ were deposited in my account with no message where the money came from. It turns out these were my 5000$ reduced to 4480$ for unknown reason. Customer care and branch manager couldn't tell why. It is a month later and still no money and no response from RBC. Total incompetence within the RBC employees and zero customer service. Terrible bank to deal with.

Please pay attention to all sellers, Some scammers use this bank, their users will raise disputes after receiving the goods, We have provided all the order and tracking information, showing that the customer has received the goods, but this bank still returns the money, It's the paradise of scammer.

I would leave a negative review but it will not allow me. Since when does a bank get to decide what your withdrawal limit is? RBC sucks and it is the worst bank I have dealt with in awhile. I called to ask to have my withdrawal limit increased and was told NO I can’t. There is money in the account and I cannot withdraw any. Real nice RBC. This is absolutely stupid. A bank is allowed to tell you what you're allowed to take out and spend when it is your money.

When booking flights online the system texted a cardholder authentication code to my phone and when the code was entered it was not accepted. A second code was successful and the booking went through. But the failed transaction was later taken as a security breach and the card was blocked but nobody bothered to inform me. When I could not use the card I had to attempt to use their customer service line which was a nightmare and a monumental waste of time. I waited an hour and a half to reach someone who just put me right back on hold after saying they would not put me back on hold. A recorded message then announced that I was back in a queue and the wait time was "more than an hour". I have multiple accounts at RBC - business, personal, investment, line of credit, and credit cards. I am a good customer but I don't know what one has to do to be treated like one.

Watch out for RBC’s hidden charges and terrible, poor management of your money. They will not tell you about many fees they charge, and you only realize until it’s too late and they have already charged your account! I put $20,000Cdn into one of their funds, and this is what happened: 1. In one year, my investment lost some 20% of its value! 2. When I had almost recovered, I decided to pull-out and take my money somewhere else. To my surprise, they still charged me $760Cdn on withdrawing my money!!! This is hard-earned money on savings that were intended for my retirement. What an abuse!!! And then their Customer Service is the worse you can expect, because RBC will not help you a bit and instead they will only try to defuse your claim! They seem to be thieves with a license!!!

I was with BMO for years and mistakenly thought I could receive better service at RBC, it was a nightmare from the start, beginning with their fraudulent promises of a new iPad for switching, which never showed up. Followed by misinformation regarding the functionality of their trading platform for investments, I went through the trouble of switching all of my stocks to their platform, only to discover it didn't have even the most basic function of a trailing stop, then had to transfer everything back to BMO.

I was supposed to have a larger sum of money transferred to my account. I spoke to at least 7 customer service reps. Each one made up a different story about where my money was and when it had been transferred (when it In fact had not been). They seem to work from home and just want to get credit for doing a call but don’t actually take the time to help you. If you ask for a name so you can reference the call they tell you it’s against “privacy acts”. Unable to reach a manager. Extremely unprofessional, I would never bank here again.

Very bad service either online or in branch. Finally, I transferred all my accounts out of it. Don't want deal with them anymore. Very rude phone answering, long waiting time. Make you wait and transfer to many different people with no correct answer.

The RBC is worst bank I have dealt with in my life. There are so many things wrong with this bank I don’t know where to start. I’m in the process of getting another Bank. I will tell one story out of so many. Last year I couldn’t get into my account App on iPhone. I called the number displayed in the error screen. I was told that my account had been hacked into and there was many attempts to withdraw money via email transfer. I was told several things to do with my phone because of potential hackers. My account did have one successful withdrawal of $150.00. That withdrawal took months to finally retrieve my money. I am a Microsoft System Engineer since 1995 and RBC is one of the most targeted bank in Canada. The problem is theirs and not mine. I have had my account since the 80’s. I have heard so many bad stories about RBC that I’m glad to say I will be rid of them this year.

I have been a loyal Royal Bank customer for almost 50 years, but their actions this last week make me question their honesty and commitment to satisfactory customer service. My wife made a deposit of over 300,000 dollars of her inheritance to her savings. Understandably the bank put a 15 days hold for the cheque to clear. After 10 days RBC removed the deposit amount plus almost 5,000 more from the account. No one at either the phone centre or the branch can find out what happened, why or where it went. We physically went to our home branch, and no one there could answer or questions where this inheritance plus 5,000 went or was able rectify the issue. We have filed a complaint and the branch is investigating, but as soon as this issue is resolved to our satisfaction we will be taking our business elsewhere.

I've RBC Small Business Account and the funny thing is they do NOT allow me to make online transaction (CRA) payment more than 2,000. Instead I need to subscribe for the CRA service which will cost 25$ and every month from that time onwards 2 dollars will be charged. It looks funny for me the way how they try to make money.

I needed cash for a home improvement project (cash would save me $1500 on the project), yet had to wait for over twenty minutes because, the teller told me, she needed the manager’s approval to dispense this amount of cash ($9,000), and he was on the phone. Finally, she sent a teller to talk to the manager, and I followed him. Your very young junior manager (who only gave me his title, while proudly announcing he’d been in banking for three years) was not on the phone—he was chatting with another bank employee. I asked him to please approve my withdrawal. He was clearly upset at being caught chit-chatting, and proceeded to tell me that he had to protect me from fraud and asked why I needed the money. Obviously, this was just sexist nonsense, and was simply a ruse to cover his embarrassment at being caught dallying, while customers were waiting.

We signed the agreement new advance date to be February 27th and the first payment on March 1st. They ignored all my emails till March 2nd and then instead to pay to a mortgage they sent money to my checking account so I have to pay interest on the money that wasn't withdrawn. Very poor performance.

After being with this bank for 17 years, they write me a vague letter terminating all services I have with them, including my daughter’s and mother’s joint account. They wouldn’t explain why! I was told they didn’t have to provide reason. Filing a complaint did nothing. They just throw away 17 years of service without even providing a courtesy call! Goes to show that with these banks, unless you’re part of the 1%, you are easily dispensable at their choosing whenever they like! Has put a very sour taste in my mouth about investing with any Bank!!!

Lee ** has been my advisor for quite sometime now and she has been an amazing person. She is very pleasant to deal with and she provides all the information you need to make an informed decision. She is very professional, highly ethical and trustworthy. She is very prompt on her appointments. I am so happy that Lee is my advisor. She deserves kudos and more financial rewards as an employee.

I am in a Kafka-esque nightmare. A problem caused by their website that they won't take responsibility for. I have been on the phone for 4 hours... First to get a simple money transfer cleared after it was flagged (1.5 hours on hold for what could have been a simple text or email confirmation) and then dealing with a landslide of problems caused after their website caused duplicate transfers to go through (I was on the phone with an RBC person who instructed me to try again after everything was greyed out and frozen).

I have tried to get updated insurance for a trip booked with Reward points, about 4 hours on the phone, 3 "booked callbacks", numerous disconnects. Still nothing. This over a period of numerous days. This service is utter crap, I can only imagine if you actually need the insurance. Run very fast away. Wish they had negative review stars.

December 29 2022, bank block my account due to fraudulent activity, I did not know that Discover that is blocked, in January, I went to the branch, they unblocked some, but the amount of $1430.00 put on hold. No clear answer why, after calling and going to the branch, I found out that the e-mail transfer of $1430.00 is fraudulent, so I contact the person who send the money and (who I know), and he went to CIBC (his bank) and they said that is not true, they never request any money from RBC, I did complain to Royal Bank, should get an answer, got nothing yet, but very unpleasant lady, from fraud department told me, they can hold the money for 200 days, I think is not right, nobody informing me what is happening.

I initiated my high interest savings account on-line and had to verify my identity at a branch. Luckily there is one where I live. Went to the branch Saturday afternoon. After showing the clerk my picture ID, she informed me that she had to make an appointment with an advisor to activate the account. Why would I need an advisor for this? I've opened savings accounts online with other banks without going into a branch office or speaking with an advisor. RBC needs to get with the times. I doubt whether I will proceed with activating the account.

Had to call RBC Visa 730 on a Sat morning. Was transferred to fraud department. The person I dealt with was rude and entitled. Was unable to get the information I wanted. Tried to place a complaint with RBC and the process is very convoluted, certainly not customer friendly. For the service fees and interest customers pay you would think they could provide good or at least effective service. Service is bottom of the barrel.

Called to book an appointment to open a new special saving account, person who attend my call was an idiot with very poor customer service skills. I'm client of this bank for more than 20 years and I've been treated badly as if I were mentally retarded. Definitively disappointed!!!

Have easily booked many flights using my Avion points in the past. Not this time. Their website is so complicated now you can't even find the area in which to use your points. Had to phone them and you know how long that takes.

I have been banking with RBC for the last 6 years and have plenty of money in the bank. I went to go use my own money tonight (I tried to purchase flights to go back home to Australia). The flights are $5500 and I have over 6k in my account so I tried using my visa debit only to be told that the daily limit for transactions is 2k. So basically the bank is telling me that if I ever have a transaction over 2000/day I am unable to access my money. I need to physically go into a bank during working hours and withdraw the money as cash and then take it whereever I need to use it. Doesn't that defeat the entire purpose of a bank? So we figured we could increase our daily limit which apparently 2k is the highest they allow. Even for a one time transaction.

Some of these reviews are hilarious because they are so relatable. I’ve spoken to two customer service representatives on 2 different occasions and it has to be the worst customer service. It’s hard to believe with a bank that has such a great reputation gives that kind of customer service.

Only opened my account with RBC in June 2022. Previously was with TD Bank for over 15 years, wonderful customer service, never a complaint.. RBC provides pathetic Customer service, ill trained with no experience who keep you on hold for hours while trying to get info from supervisors as they chat online. Each time one calls a minimum of 1 hour to get 1 question answered, not joking, try it when you have an account with them. To get you to sign up as new Customer, excellent service but once in, an absolute nightmare. How anyone can rate them as one of the best banks in Canada surprises me. Probably goes to shows banking standards available here. :)

Long wait times, absolutely insane. They probably have few staff and no option to call customers back. The bank is really good in some ways but, when it comes to wait time, it's so bad. RBC should have an option to call people back please. Thank you

Absolutely pathetic Bank, run into some financial trouble the past 4 years being off on disability for the majority of it due to the illnesses. My credit card and credit line are what I had to rely on for the majority of the time as disability through my work pays next to nothing. Needless to say credit card and credit line have gotten out of hand, I've asked RBC repeatedly for help as I want to pay them down... They won't... Instead what they've done is raise the interest rate on my credit line almost 5% in the past 2 years... Once this company has you in debt they step on your throat to make sure you never get out of it. Like I said I've asked them for help and they refuse, leaving me really no choice but to file for bankruptcy. By the way I've been a customer of theirs for 37 years and it means nothing...

This company is a joke, lack of staffs and full of excuses. Every time I call the 1-800 to speak to someone, it is an hour wait on the phone. If you value your time, take your money and go to other banks with less fees.

I have never experienced a more inept business than RBC. From the day I started banking with them five years ago, it’s been nothing but problem after problem. Most recently, I was traveling in England and my bank card was stolen. In order for them to mail me a replacement debit card to England, they had to change my mailing address to the UK, which flagged my account for being outside of Canada (I was traveling for 3 months and there is nothing illegal about that). As soon as I got back to Canada in July, I phoned them to let them know I was back in Canada and they changed my address back.

Jorge ** a "Small Business Account Manager" has finally made me after 23 years as a client with RBC decide I deserve better than what this bank and this man provides. His service is disgusting. His knowledge is subpar. He takes days to answer communications despite the urgency. He has only been my small business account manager for less than a year but has been so late on responses, taken 6 MONTHS to approve a loan only to tell me several days later he was mistaken and I wasn't approved. He is rude, belligerent, ignorant and should not be dealing with the public let alone be supporting small businesses. I am now taking all of my 4 businesses, personal accounts, house insurance, home insurance, all credit cards and loans to Scotia Bank. The abhorrent behavior I've experienced at the hands of this man is almost unimaginable. Good luck in the future Jorge.

After 12 separate calls being on hold over 9.5 hours in total, I have never had an answer from Disputes department. TOTALLY IMPOSSIBLE TO SPEAK TO ANYONE IN FRAUD/DISPUTES. See 100's of complaints here saying same thing. Three times I have given all information then after that, they says you need to speak to another department, then the call gets disconnected or you get message says too many waiting, call again, or office now closed call back in business hours but does not say what those hours are, in fact IMPOSSIBLE TO SPEAK TO ANYONE IN FRAUD/DISPUTES. Someone at RBC has decided to cut staff in this department and know we have no other option but allow these scammers to get away with it. After 17 years with RBC - I am appalled that they are.

Like another reviewer, I have been a loyal customer for over 30 years, but recently, I have been treated like a second class citizen. I was talked down to and patronized when I had a couple of banking issues that I needed clarifying. It didn't matter that I had been a loyal customer for this long, they couldn't care less. They serve themselves, not the customer. I think it's time to change banks.

I have to warn anyone who hasn't done business with RBC before, to not waste your time with this institution, they literally do not care about you or your valuable time. There should be a way to expose them for the way they are treating customers. I had an issue with them raising the interest rates on my line of credit to the highest percentage above all the other banks that I have have credit with and I have been a client with them for almost 30 years.

There is more to this story than meets the eye. During my visit to the Royal Bank on October 11, 2022, I opened a business account. The assistant who helped me do this was very helpful and gladly assisted me. The first thing I did after getting home was being the account setup, which went smoothly. However, when I put in a client money check, the program threw me out and asked me to re-enter my password. This was done three times, and on the first attempt they said that my account had been blocked, and I should contact 1888, which I did. I was not able to unlock the account by the phone, I have to come at the bank the next day. After I explained the situation to the same consultant, he kindly agreed to assist me. After 10 minutes, she told me they were fine, and I could use my account. When I tried to enter the pin code on the first attempt, I was informed that the account had been blocked, call 1888...

My RBC credit card blocked and don't know any reason. It has been a month visited branches, no update. Stayed on phone more than 48 hrs unable to contact at least 1 customer service person who can help me with unblocking credit card. Never ever do banking with RBC. Worst service provider.

I was on hold for more than 4 hours then I hung up. I needed to talk to someone about disputing the transaction on my credit card. I have tried to do it myself online before, and it went back and forth, providing more info and wasting many days, so I thought to call in and provide all the details at once and get the ball rolling. It's frustrating and disappointing service that RBC provides to their loyal customers.

Absolutely Disappointed in RBC. I have been a client of RBC since I was 9 years old (over 15 years) and I have had issues left and right. Cherry on top was applying for a loan. I called August 18 asking to submit an application for a small personal loan for car repairs. Advisor mentioned he had holidays coming up so he would pass the application to his co-worker. Great. I submitted the paperwork 2 days later.

If I could leave 0 stars, I would. I met with an advisor to apply for a student line of credit. Over 2 weeks he finally informed me of everything me and my co-signer needed, so we emailed it in. He "worked on" my application for a week and I had to email for an update. Declined, said if we added another co-signer it may work. Did that, another week gone by, email for update again. Declined, was told if we even asked to borrow less it wouldn't effect anything and he couldn't help me further. So I tried again with a different co-signer. 2 more weeks go by, finally get an email from him. Declined again, said he was unable to help me further and provided no other options or tips. Went to another bank and was approved off the hop and everything was explained well. During a stressful enough time, RBC made me sick to my stomach with stress. Changing banks for good.

Never had a problem before. Had credit card stolen and thief spent money on the card. within 3 hours after the theft I discovered it and tried to report it through online banking, but web reporting function did not work and said I had to phone. (I was able to lock the card on online banking) phoned and waited on hold over an hour and was unable to wait any longer. Over the next few days I tried multiple times again to report the stolen card on online banking and over the phone. Online banking never worked. Phone hold times continued to be over an hour and I either ran out of time and couldn't wait longer or twice the call was dropped. Waited over two hours today and then the call was dropped.

Have a savings and a chequing account with them, but the chequing account is restricted so I basically can't use the card. Tried to fix the issue with them but "they couldn't do anything". Absolutely ridiculous.

I have been with RBC for 4+years now. My IDs were stolen and ever since then I have had trouble with etransfers/ money transfers. I understand their protocols for id thefts but multiple times for every RBC app login I do is frustrating… even after confirming my ID. No credit limit increase for the past 4+ years offered depict showing proofs of my permanent residency. So these guys missed to save my PR proofs and didn’t renew my debit card. It was a hassle to take all my documents over again for the above mentioned. Later they send out 2 debit cards and neither worked. Now I have temporarily relocated to the states, while speaking to one of the associates I was promised a new credit card (old one expires) to my present address. I call them today and they want my PR proofs again!!! This is ridiculous.

I have recommended at least 5-10 people among my friends and family to do banking with RBC, however after today's experience and the recent issues with the app glitches, late updates in CC, and all the inconveniences faced by me and several other people, I am thinking otherwise. I have been banking with RBC for the last 4 years. I have already decided and am in the process of transferring all my funds to my other banking institution.

My Visa was compromised and I spent 2 days trying to get a hold of someone in this department. Wait time was over an hour. I gave up after being on hold for 90 minutes. I tried again later in the day, same scenario. The next day I thought to try early in the morning, called at 7:30 AM and disconnected after another 90 minutes. There is no "call you back" option so you are wasting your time trying to call them. I went to the nearest branch and unfortunately no one there can do anything besides try to call for me, and it was the exact same thing. Seeing all the reviews from so many others online having the same issue. Even RBC workers admitted that they have a very poor customer service dept. I'll be researching other financial institutions and see who has better ratings for customer service.

I realized my RB credit card had expired and I hadn't received a new one, when I went to book a flight. I was told to call the fraud department of Royal Bank to let them know I hadn't received my replacement card. I tried calling them for three days in a row and was placed on hold from an hour and a half to 4 hours and 40 minutes the last day, before I finally gave up. There was no option for them to call me back and I even went into the local RB branch and they too said they couldn't do anything?! The flights I had on hold have since been let go (If I use a different card I don't get my flight points through the airline) and I still have not gotten to speak with anyone.

No!! It is the worse bank ever!! They don’t have the minimum of customers service - every time I have to call them for the same subject and on monthly basis to stop deduct of my accounts and they apologize for the mistake- they are thieves simply!!! I don’t trust them!!! Go to any other bank in Canada or US but do not come to this stupid bank.

This is the worst bank in the world. They want to keep your money with them for their profit. Never allows you to spend your money. They will tell Canadians should not spend more than certain amount daily.

45 minutes in line for a bank teller to deposit a cheque that gets a 5-day hold. And, charge to visit the teller on top of that!! The fees for business are terrible for small business, RBC needs an another option for businesses. Or rather STOP BEING SO DAMN GREEDY!! Milking small business with little charges every day.

RBC has quickly proved to be the absolute worst financial institution to bank with in North America if not worldwide completely. I’d rate them 0 stars if I could. I've gone to Holland for a week and I have no way to contact the bank to get help. Neither of my cards (my client card or my MasterCard) have been working since I left home. I can not call them because I’m overseas. Their live chat function doesn’t work at all and they have no email listed, so I essentially have no way to get help from them and am therefore SOL.

Recently opened an account with RBC, wow. The bank is next level horrible. I’ve been on hold for 1h14m to dispute suspicious transactions. Cannot even do it online as they are unrecognised charges. Also, the customer service rep who “helped” with my line of credit application also doesn’t respond to emails and there’s no way of calling her. And if I miss a call from her, she flips out. Banks in Canada are overall pretty average. But RBC. Wow. You top them all.

Spruce Grove bank manager. I get a phone call from RBC Fraud department regarding fraudulent activity on my online banking which I actually thought was a good thing. During the phone call, my online banking was put on limited access. I requested to have any payments stopped for i had not authorized any direct withdrawals. I was reassured that any withdrawals, if any, would be stopped and all I need to do is enter a branch and they will remove the restrictions on my account. At this time I was travelling from the airport in Yellowknife, to go gold mining up in the bush. I was feeling safe that I should have no issues. When I finally got to fly home, I was upset to see over 900$ in NSF fees.

I ordered an iPhone 13 Pro thru RBC on April 22, 2022 and supposedly a gift for Mother’s Day. I ordered this item thru RBC rewards site that partially pay with my reward points and most was paid by my master card which $1000.84 paid they my card and $580 is the redeem from RBC point. The moment when I placed the order, it indicates that I will receive my product in 5 to 7 business days. I called on the 9th days to check the status since I have not receive my order. RBC rewards rep told me it suppose to be 10th business days. Then I waited until the 11th days and make another call. They told me no status nor shipping information about my order. They suggested me to call back on the 15th business days to file an escalation.

Well. Glad I looked up reviews to see this is the RBC M.O. Been on hold an hour. Not talked to anyone, just listening to their ads for Monerius and music. Wanted to open a Business Account after the online application was missing a piece of info and couldn't sign. Probably for the best didn't go through. Called back another number to book an in-person appointment at my local branch instead, as figured I'd need to bring in some documentation. On hold another eternity. I'm pretty patient, but never did get to speak with anyone. Guess I will take my business elsewhere. Worst lack of service I have experienced in a very long time.

RBC credit card is hands down with worst CC company to deal with. Can't get them on the phone. Their secure email communications are slow and deliberately drawn out to the end of "their" issued deadlines to order to force a "case close" situation. Not recommended.

Greedy bank with focus on profit and disregards for clients. Incompetent employees, probably unqualified, minimum paid hires and no training provided. You cannot talk to any customer service representative without being on hold for hours, unless you are buying their products. Under the excuse of Covid-19 nobody is working there. They have cut number of employees before pandemic started, big bosses bonuses cannot be impacted no matter what. After hours and hours of being on hold you are going to be passed from one department to another and each of them will have a different answer to same question. I had an agent hanging up when trying to transfer my call. I will move the money from there to TD or Scotia. Probably they are not much better, but I will anyway.

The most horrible service I have ever experienced. Called for 2 days straight to report a dispute on my Visa. Been on hold, or hung up on by their virtual voice mail for the simple reason I did not ask the right question which was "want to know my account balance". When I asked "dispute on my credit card" they say "sorry" and hang up. As of this morning I have been on hold for 56 minutes; thanks RBC, hopefully someone is enjoying a shopping trip because of your crap service. If you ask me if you should deal here, I would say Do NOT.

I can't freely comment on some of the things that have been happening for privacy reasons, but I can say that both the online interface and security at RBC are deplorable. Staff has not been helpful in resolving either of these issues. RBC's online banking interface and functionality are some of the most primitive I have seen in a long time, making it awkward, difficult, or impossible to do some pretty simple things - actions that should be doable on any 21st century banking platform..

Worst of all worst service. Holding your account own money without explaining. Direct you from one branch to another saying it's not their issue it's the other branch issue. 3days investigation after 3 days they will tell you 5days! You deposit a cheque the first time they will hold but same cheque again and again still they hold it. The manager in Keele and Wilson RBC branch and teller doesn't know what they doing. Unprofessional!!!

I came as a newcomer to Canada and opened an account with RBC. I had an online appointment with RBC representative to open an account. First, the representatives don't quite well understand how the bank offers work. The representative opened me a VIP bank account and said it is free for newcomers. At the end I visited a branch and they informed me that VIP is not free for newcomers. Only advantage bank accounts are free for newcomers. Eventually, they switched me to Advantage type account. Second, I got a debit card and deposited all the money I had into that account. Later on I found out that RBC debit cards can't be used for online purchases. They don't have CVV codes. This is just unbelievable. Today when everything is going online due to pandemic, they are issuing newcomers cards, which can't be used for online purchases.

Worst customer service in the history of customer service - and I'm in customer service. Hours upon hours sometimes over a period of days to get someone. Requests for a manager to call go unheeded. Rude and obnoxious visa agents actually cost me money! Last straw was today - 5.5 hours on the phone last night and today to try and rent a car was unsuccessful. A 22,000 limit is gone because I will cancel my card to never have this heartache again. Please go to Coast Capital - they actually pick up the phone.

It is impossible to reach them. I have a car loan with them and it's the worst experience when it comes to needing help with problems. I can't do what I need to do online, and I also don't have the card numbers or transit numbers to open an online account. Without a credit or debit card, it's quasi impossible to reach them by phone. Their virtual assistant requires me to have a card number to proceed and they end up hanging up on me. I tried calling their principal phone number to try and open an account with them even then they were asking me to provide a card number it blew my mind. It's only after like 5 times of saying randomly (open account) that they redirected my call to a human. it's been two hours that I am trying to reach them.

RBC do not respect client, I have to went to 2 different branch, book 2 different appointments in order for them to find out someone tried to hack my account, they blame on Apple that my phone got virus, I went to Apple to check and reset my phone, there was nothing wrong. They never admit that the security system is so bad. They were very rude to me and when I tried to call to find out what happened they made me wait for at least an hour, plus they were hung up on me, not answer my question, the girl even told me to go to Best Buy to check and reset my phone, seriously??? I tried to call Desjardins on Sunday, it's only take 5 mins for customer service to pick up. Rbc Rude from the phone to the cashiers, I think you guys don’t deserve to be the best bank in Canada.

This bank is one of the banks with the most greed. Unwilling to help people during Pandemic unless you meet requirements. This is a government bank that will drain you. They will go to all means to ruin you.

When I call RBC every time my call waiting time more than 30 minutes because the call-center people they’re not doing good job down there. Doesn’t care customer. It’s nothing with a RBC. It’s call centre manager not doing don’t think about the customer. Anyone boring home? Call RBC your waiting time longer than 30 minutes.

I have been with RBC for over 20 years. I have a mortgage, LC's, CC, savings, checking accounts and investments. My recent experience with RBC has been horrific to say the least, definitely unethical. I'm taking my business elsewhere.

Trash call centre, never picks up, 2+ wait time in general queue, then gets transferred to specific department waiting another 45 min. And a dumbass in fraud department can't even tell from a debit or credit amount, confused by transaction code, and posting/transaction dates.. At the end they placed me on forever hold. Not once, not twice.. I called back 8 times over 7 hrs span, everyone in Fraud department ended up placing me on forever hold. (2 hrs something per hold and I ended up dropping the line.) When I call back and asked to speak to a manager, the guys refused he doesn't understand my case to transfers, forcing me to waste my time again to repeat for the 8th time. He refused and eventually hanged up on me. My fraud transaction was never looked into. Wasted my entire weekend trying to get ahold of someone. Trash bank...

We went with RBC for our mortgage because I always had the impression growing up that they were the "premium" bank had the best reputation in terms of customer service. We're so, so disappointed. We got a good rate but that's about it. The mortgage process has been a string of unanswered emails, rude one-liners, unclear terms, hidden fees that get charged without notice, and representatives who clearly take no pride in their job and do not care about the client.

Have a concern regarding Visa card. The first person I spoke to on the telephone unable to help me. Pleasant but unable to help. Wanted to speak to her supervisor. She is not allowed to put me through to her supervisor. I must wait two or three days for a return call. Except this is Christmas. I shall be interested to learn when I receive this return call. Everything still up in the air. No resolution and I have to wait two or three days. As that will bring us to Christmas Eve and Christmas Day and then the rest of the weekend I doubt this return call will come before at least a week. I have been a customer of RBC since early 1970's and feel very shocked at this very poor level of customer service. Customers definitely deserve better.

It's by far the worst bank I've ever dealt with! The employee are rude and unhelpful. Their security system is very weak (never trust them on your money as it maybe hacked and stolen in a blink of an eye). Once they blacklist you, the best thing to do is find another bank as you will remain in blacklist until the last day of your life even if you deposit millions of dollars on your account.

I've been with RBC since I was a kid. They have treated me well up until recently. I have a car loan with them and all they have been doing is harassing me lately. They claim I have late payments when I have made all of them paid and up to date. Over the past month I've been getting calls for payments they made up saying they haven't been made, effectively tanking my credit. And their response was well look into it. They don't care about the customers anymore. They just care about how much money they can screw you out of.

I've been with RBC since I was a teen. It used to be great, now it's absolute garbage! I've had to call them on multiple occasions because I kept getting locked out of my own personal banking account, which I found weird because I've never forgotten any of my passwords. After I had received a new credit card, I activated it using my online banking and every time I've tried to use it, it won't work and RBC has put a hold on it...

Long story short took over a month to close out a loan and send me a confirmation of loan closure that I paid at my branch in cash. The inefficiency and dragging of their feet is embarrassing. Will be doing my best to not do business with them in the future.

This is the worst ever experience that I dealt with. Even if I was verified during the opening of the account I was still told to go to the bank and was said that only 1 government issued id would be needed. But when I reached the branch I was told to give two id’s then after that I was told to submit a T4 or a notice of assessment due to which it created hassle and I was like going back and forth. When I didn’t found the latest notice of assessment still I took the printed T4 with in order to verify and I was again told that this would not work. They would need the latest notice of assessment which I would never have found. After all this hassle I closed this account and would not recommend anyone to open account in RBC as they would probably also have the worst experienced that I had.

I have been trying to leave this bank for 3 months because they refused to renew my credit card, despite the fact that my permit was valid till the end of August and I had a letter from IRCC stating I was in the clear till September. I also received my permit well before the expiration of my old one. I physically went down to the bank to close my account and was told everything was done. That my credit card was closed, my accounts were closed and I was fine.

Do put your money in this bank. I have been with my personal account frozen for more than two weeks and nobody tell me why and when it is going to be solve. The Manager does not know why and the fraud department does not give you any answer. I am living a nightmare and tomorrow you can be the next one. DO NOT TRUST YOUR MONEY TO RBC.

I am shocked at the quality of service and the customer care we have been receiving from this bank. They have messed up so many things, are not even on the same page within their own dept and have caused us such stress since we’ve started working with them. These issues have not yet been fixed. Such a huge mistake to even considering them in the first place. If you want your experience to be pleasant and smooth, stay away from this bank.

I hate RBC. RBC’s attitude is to give money to people who don’t need it, but to screw every last dime from people who need some help. They recently raised the interest rate on my line of credit, even though my credit score has improved considerably – probably because I have been paying it off. I think their idea is to keep people permanently indebted to increase their income. When I enquired with customer service, their only explanation was that I was 'underpriced'.

I’ve dealt with RBC for over 30 years. I cannot believe the poor service you receive and how many times your banking can be messed up. My issues date back 30 years; mortgages have not been listed with the interest-rates agreed-upon, credit lines with different interest rates than agreed-upon (but RBC gave a $500 cash back which did not cover what we over paid). Visa cards that employees know nothing about and cannot help you or give you misinformation. The manager at the branch I was dealing with did not listen to my address so in the end three different visa cards were mailed out. I’m not even sure where some of them ended up.

We moved and the RBC Visa came a bit over limit. The statement is from September 08 with a $ 29 overlimit fee. So far No problem. I paid the very next day on September 09 in full like always and got a $ 29 over limit fee again. I called RBC Visa to ask why and did explain everything and the agent put me on hold for 10 minutes, then the connection broke. I called again and this Agent told me the first $ 29 fee is for my overlimit until September 08 and the second $ 29 is because my period is until September 08 and as I paid the very next day on September 09 there was still a overlimit. Last but not least - I got my statement, paid directly in full and got a penalty fee with an extra $ 29. RBC Visa IS NOT CUSTOMER FRIENDLY!!! NOT RECOMMENDED!!!

After being a very loyal and dedicated customer at RBC for over 50 years, I am appalled and disgusted with their poor customer service. Due to the negligence and poor communication by an employee I lost 5000 dollars. Prior to doing an overseas money wire, I was informed by the teller that if there was a problem, RBC would protect and guarantee the funds the same way a Visa card does. Trusting and believing the teller, I did the money wire instead of using my Visa card. Unfortunately the vendor I sent the money to was a fraud and never sent me the merchandise. I lost 5000 dollars. Although I was misinformed by an RBC employee, RBC would not admit an error or assume responsibility. Rather they lied and covered it up to protect themselves and their employees.

I'm a victim of fraud. One day, I got a call from Service Canada, telling that my SIN was used for some criminal activities. So these scammers want to move all my money into a safeguard account... I lost 3000$. The RBC couldn't help me. I didn't get any reimbursement. RBC CAN'T HELP VICTIMS OF FRAUD.

What it’s like to be bullied by a bank. I am writing this to inform all potential and existing RBC mortgage clients. Unfortunately, RBC does not make it easy to switch mortgage lenders. I decided to shop around when renewing my mortgage this year and decided to take my business to a mortgage broker, who found us a great rate with Scotiabank. After submitting a payout request on August 9th, RBC of course never responded to this request. I called to find out why, and they said that they never received it when in fact there was the fax confirming it went through. Moving forward, RBC now provided us with an email to send the request to; which was done on August 23rd. RBC continued to NOT send out the payout request. At this time, my mortgage was put into an open mortgage by them at an interest rate of 7.5%. We had to make 3 payments of this interest rate before we could no longer keep up with the payments.

As a relatively new small business we chose RBC Express to extend administration of account reconciliation and account payments to our accounting resources. From the beginning our onboarding of RBC Express was complicated, slow, and remains 3 years lately in various stages of completion. The service itself is highly secure since every function of administration is locked behind RSA token requirements, or secondary approvers. Even the ability to modify one's own mobile number is prohibited, and must be done by "anyone other than yourself".

My husband had his wallet stolen Aug 17, 2021 while on holidays in Vancouver. We contacted the bank, we had dealt with for over 40 years, to get some form of relief, it was 1 comedy of errors after another, this bank had everything, but a small side of accts and visa I had opened at Royal about 2 years ago, finally with getting nowhere and sitting in a hotel room waiting for our relief pkg that was never sent to us in Vancouver, but to our home branch by error, we gave up. I called Royal Bank Aug 19th, 2021, spoke with Kelly, she was supportive, calming and yet confident, we had funds within 10 minutes. Unbelievable and amazing service. You must have this kind of backing when travelling especially during Covid, & the “cashless“ society we have become. Royal Bank you are 5 Star across the board!!!

I wanted to deposit a $US cheque in my cross border account. I scanned it in and it failed. I called the number listed and my problems STARTED there. Not only did they NOT fix it, they caused 2 new problems. In addition they didn't do the callback they said they would and lied in messages they wrote back to me. Most of the time I have been ignored. Weeks later, despite more calls and e-mails I have done for this, the problems THEY created have NOT been fixed.

I have been a "customer" with RBC for many years. I pay everything on time and use and have used a number of different RBC services. Due to my situation, I am unable to currently visit a branch to restart my PIN as I am out of the country. I used to be able to do this over the phone previously, but was told that this has changed. I was told that there is nothing that RBC can do for me. Perhaps this is the case, but it is bizarre that people are left in these types of situations. What if I did not have a husband who had access to his card? I have now requested to speak to a manager over 5 times. I am told that someone will call when I call them and no one has called me back. It has been over 3 months. When possible, I will be moving all of my accounts out of RBC and wish I had done it sooner as this is not the first time that I have been sorely disappointed. Better to find a place that treats its customers seriously.

When I call customer service, there has never been a time in the last 10 years I don't get a 'higher than normal call volume." It's an insult to clients. Why don't they just say "We love our obscene profits so we won't spend a cent to employ any but the minimum number of humans to take your call. But we will waste as much of your time as possible by making you wait and feeding you a ton of information you don't want or need. You put up with it because you have no choice. We do it because we can."

I called RBC visa as I found an old card that was not activated. I wanted to know if the card that I am using is the replacement of this old card. This is the second day I called as I could not get someone to answer my call yesterday (3 calls in 2 days). First of all, the phone line was very busy & I waited for about 10 minutes before someone answered my call.

On April 4, we started the process of porting (transferring) our existing mortgage from the present house to the new property. We were told it would take 5 days. This was the first of many promises not kept. This also not the first time RBC didn’t keep their word. The last mortgage was finalized too late and cost us despite being informed over and over of the time constraints. We are now a month later with no end in sight and 13 days away from the closing. Once again, they have been informed and just don’t care. Do not go with RBC under any circumstances. You’re nothing to them and they don’t care how they screw your life.

I opened an Rbc account a couple months ago as I have a car loan with them. I decided as my car loan and the support was excellent I would change to this bank.... BIGGEST mistake ever, they require you have loan payment money 2 days prior to the loan, had spent some money out of my acct at 6pm, re-deposited by 7pm, car payment bounced due to me not having the funds solid in my acct for 2 days prior to loan payment. I then had to fight to get the $45 nsf returned and was told it was my fault. Now this month April 2021, they have taken 3 car payments.... Should be 2 and of course the 3rd one bounced, so now I'm fighting with them again, get this cleared up and I'm switching banks to one that doesn't require me to keep a certain amount in my acct days before a payment.... Worst bank ever.

As an international student, RBC is not the right bank for you. My credit card expired two months before my visa expiry date and RBC denied renewing my credit card. That means you have to live without credit card for a few months prior and during your Visa extension process which is just impossible. As a UoA international student advisor, I am gonna make sure every international student knows that.

I purchased a car in 2010 and got a car loan from RBC through the car dealership. RBC used to get their loan payments through a preauthorization from my BMO bank account. In 2016 I paid off the car loan in full and received a letter from RBC confirming the same. However, RBC continued debiting my BMO account for $10.49, which I never noticed until mid. 2020.

Went to my local branch to find that it was permanently closed. Luckily a passerby told me it had moved across the street. It was 4:30 and I am rushing to get a form filled in that had to be done by them in person before they close at 5pm. I don't have a printer but as I have been a client there for over 43 years, I made the assumption that they would print out a 1 page form for me there. I get there and am the ONLY customer in the bank surrounded by 5 employees standing around doing NOTHING. The teller tells me she won't print the form for me that I have the .pdf for ready to go. She says they won't print anything for anyone ever whether or not they are a client of the bank.

I have been an RBC customer for over 15 yrs and incidentally I never had to call their customer service till this year for anything major or critical. Now that a critical situation came up and have been dealing with their customer service for both banking and direct investing for 3 months now including their local banking advisor at the branch. Simply put, the service they offered is the despicable and frustrating and disgusting.

Worst bank we have RBC. All type of accounts with them and in process to take our business somewhere else. After Covid it's impossible to get someone touch over the phone with them and worst one is RBC direct investing. They are playing with clients by using covid accuse for long time now. All you need call on number and will figure it out after couple of hours when continue to hear recording.

March 8, 2021 - This is the FOURTH consecutive day I am completely unable to access RBC's online banking due to their stated "technical issues". This is the worst of what have been a series of highly unprofessional and extremely inconvenient issues. After several decades as a client, it's time to close this account and leave this ** bank forever.

I have opened an account with RBC. After few days my account got locked, so I went to the branch they told me to bring a second piece of ID with something mailed to my address. So I went back after two weeks. Then they told me who told you something mailed we need something like passport as second id. At that moment I closed my account with them.

So recently I saw a ad for iPad for new customers and I was a fish who got caught in a trap by scammers. Shame on this company. Even though I'm still saving 200 bucks for ipad after a year of service charge I thought okay went ahead signed up but when I signed up it was a Sunday and the last day of the promo and they sent me email welcome to RBC and said I need to go to branch, show my id, so I booked a appointment, went in, showed my id, got everything set up and made 2 payments and set preauthorized payments which is the condition for approval of ipad...Switching from TD it was hassle to call switch all thinking I will get a ipad then days later I called in to ask how come I never received any email. They said, "Oh you didn't sign up the day of promo."

In the last 3 months RBC bank has overcharged me a total of $562.50 in banking fees. Yet my monthly account fee is only supposed to be$10.95 per month. I'm a disabled person on ODSP. Due to Covid 19 and being busy worrying about the health and safety of my elderly parents, and looking for a job. I didn't notice some of the charges til today when I had a chance to look at the account.

As an immigrant who had the chance to enjoy banking services abroad, I can certainly tell that this bank is still using services and methods from 19th century, or it is more kind of hybrid with some from 19th, some from 20th. Unless you spend and lose money there are very few options that you can do at online banking. Online user interface is very poor you need to spend a lot of time to find what you are looking for. System is built to make a lot of money from its customers without giving any good services. You can easily open account in online banking however you can not close them, if you go to a bank branch to close they can not manage to close it. Transactions or orders are not instantly done, you have to wait a few days to see it in your account.

Where I work, my employer pays in cheques, so I find using the app to deposit convenient. Then one day they put a hold on my pay cheque. I thought it was because of COVID, so I started going to the tellers. After a couple months of taking it in person, they inform me that they are putting a hold on my check even though I was in the branch. I threw a fit. 20 years as a customer and 3 years at the same job. The manager came and upped all my limits, so I could use the app again with no issues. 7 months and everything is great. Until yesterday. Deposited my pay using the app and they hold it. I go after work and they tell me that there is no record of the limits being increased. They’ve done the increases again, but it will be 5 business days before I can access my funds. I feel like I’m being targeted. I have printed proof of the increases from June. How do they just disappear??

I try to keep my credit account clear, so I paid full balance and it was 0. By mistake my Visa payment was made twice, so I had overpayment of over $600.00. I decided to pay my another credit card with that. It was my money, BUT they charged me $3.45 as CASH ADVANCE. I paid it any way, because when I was cheated by a Vevo hearing, I wrote to the bank (about 10-12 times) I received the same message "to answer their questions", and I did. But after 3 months, still never received any results so I gave up. So I am not going through the same thing for $3.45. Thank you for having this site to let us get rid of our frustration.

RBC Brantford 95 Lynden Rd - management poorly equipped to support crisis situations of upset customers. They have a 3.5 google review rating... Management engaged in controlling behavior, intemperate browbeating, lecturing, berating, patronizing, antagonistic. Did not make social distance when asked. Poorly and unprofessionally dressed. Refused to provide a full name when asked. Did not admit to any of this to her superior (Community Manager). Brantford Community manager has very poor communication skills, ill-informed and fails to collect all information before making a judgment, then looks to place blame on customers while defending staff - hard for her to hear the truth or accept any wrongdoing or see issues within her staff. She is self-righteous and highly condescending escalating issues and antagonizing emotions...at the root to what seems to be becoming a systemic issue in the area.

We've been a client of RBC for eight years and it's been nothing but an uphill struggle. We're posted to do $2m this year and I can't even speak to someone on the phone. Do you call that leadership or even customer service?

I am facing capacity to pay issues. I have not missed a payment in 7 years with RBC, but covid has impacted my finances very hard. I called customer service just to ask for a refinance of my debt. You would think with historically low interest rates or even the fact that they would want me to be able to keep paying my loan they would help me. Instead they offered to increase my interest rates if we refinanced. They did not offer any other solutions. And when questioned, they said it is to manage risks. After a 30 minutes of looking online, I secure a new loan with another company with a 1% decrease in my interest rates. I am now going to close all my accounts with RBC due a lack in customer service. This is not the first time they do this to me. They dangle the carrot to get you as a new customer but when you are signed up with them, good luck for any help.

Why does the Royal Bank go out of their way to make sure customers cant speak to anyone at the bank. Telephone waits are horrendous and designed to make the caller give up. Hire more people. You cannot send them an email.. Hire more people. You cannot talk to anyone at your local branch unless you drive across town.. And then you have to make an appointment which could be a week away. I am going to change banks.. Seems the only customers who matter to the Royal are millionaires and billionaires. But they get to talk to someone at the bank right away. My wife has left the Royal and is impressed with her new bank.. The credit union.. who encourage you to call and the investment person even gave her a card with her # and extension. Wow. I'm going to bank there. I have been with the royal since the early 70's.

Con: 19.99% interest. Pro: points I can actually use for stuff like gift cards And don't have to wait years to build enough to claim.

I got a car loan with RBC back in 2019. I do stand up comedy and live entertainment. Well with Covid-19 shutting down the world my job kinda has been canceled out. I called rbc to see if I could lower my payments so that I would be able to keep my car. They went on to explain, "Well you are in such a new loan. We won't do anything to lower the payment but we can lower the interest rate from 9% to 8.5%."

I have been with the Royal Bank for more than 30 years and am disgusted and disappointed by the ignorance and unhelpfulness of their employees. While they are always polite, they don't know what they are doing or how to do it.

I was told if I opened an account with RBC that I could open overdraft at ANY time I felt like. I was on CERB when I opened the account. Didn't matter. Flash forward 4 months later, I apply for overdraft and am told, "Sorry but you're on CERB you don't qualify. But we're still charging you fees even though the cheque hasn't come in." They lied to me to get me to open my account, put me on a ridiculous monthly fee program. Then the services they PROMISED, they have no gone back on, and when confronted with the facts. I said this, "You said when I need overdraft, call you guys and you'll help me out." So the lady only focuses on the first part of what I said/ "give us a call" but refused to acknowledge the second part of "we'll help you out". When I confronted her about that she actually chuckled and doubled down on bank policy. The same bank whose policy is to put a 7 days business hold on CERB cheques, because they aren't "verified".

I have phoned this leaching BILLION dollar company several times and each time their customer service is nothing. They blame Coronavirus for not answering the phone. I called and was given a 4-6 minute wait time, I finally hung up after 45 minutes.

I never miss a payment in full on my credit card, so I find it offensive to pay 19.99% for 2 months to the credit card company for a payment in full 10 days late. This is the first time this has ever happened. After realizing the missed due date I called RBC customer service to see if it could be mitigated. When speaking to the agent she was evasive on my request of trying to get some forgiveness on the 19.99% interest. When asking for her name she hung up on me.

After waiting hours on hold the call dropped! No one called me back so I had to contact again but by email this time. Issue is still not resolved. The "business" that charged my Visa is not legitimate and was only authorized to do a one time payment. But they charged a recurring fee instead. A dispute is in order and I wrote them up on **.

We had one day to transfer my daughter's funds for school via e-transfer. We visited the branch and did our due diligence. Something went wrong and the school did not receive the funds. We called asap and RBC customer care said it went through - it did not and yes the address was correct and yes the money was there. With my daughter's seat on the line, "customer service" hung up on us three times without ever speaking with a real person. They have messed with not just our money but our lives. Does anyone at RBC understand the connection to people. We have no voice and they leave us with no service. And so what... I write a little complaint on some forum somewhere...powerless... So in summary I know this review will go nowhere... You got me rbc, bravo.

If you are talking about my bank... the Royal Bank... I have been a customer for 30 years.. They are amazing! They have always been very friendly and helpful.. This is why I stay with them and would not change banks.

Terrible customer service. Primitive IT services. Cannot do online purchases with bank card which is stupid. Transactions limited to $1000 for 1st 3 months so cannot pay rent. If I'd known this, I would have gone with TD bank or something. Online banking is not very user friendly. They say that there is an app but when you go to download it from app store, it doesn't work. ** bank and I would not recommend it. Stay away.

I switch banks so therefore started using RBC rewards card. I have not accumulated sufficient points to really see an advantage to other cards. Since it's a no-fee card, I assume they make it more difficult to render points. There is a good variety of choices, just personally nothing for me as yet.

I went into the branch in Terrace B.C. Canada on Approximately Dec. 22 2019. I wanted to cash a cheque that my company wrote for me, because auto-deposit was delayed. I didn't have ID with me. Rarely, but it has happened before. With other tellers, their response was, "not a problem Donny". But on this day, (a busy banking day), The teller who I'm 99% certain her name is Teresa", told me in a derogatory tone that "No! We can't cash a cheque without ID!!!" I started to explain to her that I had cashed cheques here before without ID, and began pointed out at least one teller with whom I've done so. She raised her voice to tell me to lower my voice and that she didn't like my attitude!?!! I couldn't believe it. I am not an aggressive person. I'm calm and obliging. I was however, desperate to have my cheque cashed before Christmas. ??‍♂️

This bank is the worst bank I have ever tried working with. Tried opening an account with them for my business and it has been nothing but a nightmare! I opened an account online that required me to make an appointment to come in and finish the process. There was absolutely no appointments! This plus the rude service from the start made me to go another bank which has been a way better experience.

Used to cash in fraudulent Cerb payments. Phishing, scam, spam phone calls. Bad conditions applied on shared accounts in Quebec. Customer service not available over the phone. (Stuck on waiting line, after receiving an representative they hang up on you.)

The life insurance agent at RBC Fares ** offered me on several occasions to enroll in the life insurance with RBC as we used to play tennis together, each time I declined and asked him not to talk to me anymore about enrolling to life insurance as I am interested. To my surprise I received an email & package by post thanking me for enrolling to life insurance with RBC. I complained to RBC for being enrolled in something I didn't agree too nor signed or gave my consent for it. It appeared that the agent Fares ** had my personal information that he misused & he put his wife Credit card on the account hoping that once I am in front of the reality of being enrolled I will accept it & provide my banking information from then.

A few years back I had all my investments with RBC. Over a 7 year period of time I did not hear from them regarding these investments. While talking to others about their investments I was surprised to hear that they hear from their advisor as many as 2 times a year. So I decided to go into the bank to find out who is looking after my investments and why I had not heard from them and generally why my investments really had shown little to no growth.

During this Covid-19 pandemic, RBC is not doing enough to help its customers. With many businesses (grocery stores, pharmacies, etc) requesting for payment via debit or credit cards, RBC still levies the charge if the transactions exceed the limit. My account only allows a limited no. of payments via debit card so if I have to shop several times a month (which includes shopping for my clients as well) this limit is easily exceeded yet I am penalised for using contactless payment. RBC has NO sense of compassion as many are having difficulty making ends meet, yet they try to squeeze every last cent from its customers who use contactless payments. It appears that making a profit during this pandemic is a priority for them.

Loan Protector Insurance declined coverage. Took out insurance coverage on line of credit. Took Ill and ended disabled. Insurer told me that since I had completed the medical care I should go back to work and stopped coverage. Was bad enough they had made several requests for updates on my status as permanently disabled. Basically for what they charge should just have taken out a simple insurance policy of term. Issue High Blood pressure. Rupture ended with plate in head and shunt under brain. Basically like a stroke for treatment. So now I have gotten past the stage where I was basically out. This took place over Dec 2012 Through July 2017.

On April 30th, there was a removal (Deposit Correction") of $2,000 from my 90 year old mother's savings account. I have called RBC numerous times, sent them numerous emails and waited on the line for at least 30 minutes to talk to someone from Client Care. I keep telling everyone I talk to/email at RBC that my mother's account never had a deposit in the amount of $2,000 and the money should be credited back to her account. As of May 22nd, I have received no answers and the money has not been credited back into the account. Regardless of whether it was a mistake on the bank's part, or fraud, we deserve an answer and the money returned. The saga continues.

Wrong...rbc tells me the account is in arrears. Wrong again rbc, I have a rcpt fr all payments made. Upon actually looking, you know...with eyeballs!

I deposited a cheque then wanted to transfer some funds into another account. Because the entire cheque didn't clear, they charged me a $5 overdraft fee... despite the transfer staying in another account in Royal Bank; I never actually spent the money or really dropped below my overdraft limit. I am trying to get the fee back. I feel this is a cheap trick to steal money from me. Watch out for RBC... I'd recommend other banking options.

I have received a government cheque due to the covid19 situation. After finally getting aid from the government. After 4 complete weeks of not having income and being the proud father of a 13 week old baby girl. I was told to avoid unnecessary movement in the heart of the pandemic in Montreal! I went to a smart ATM machine and deposited the cheque. It distributed a receipt with the whole cheque as proof. IT, being smarter than most of the staff I have spoken to and more helpful too.

I went today to the Sherwood Park, Baseline Branch, and I found they are restraining customers to do transactions in the till rather they send people to do it via ATM. They are restricting my freedom and liberty to choose the way of doing transactions. They are acting with paranoia doing this. I wonder if this is a branch policy or RBC policy or Provincial policy or Federal policy? If you put in place measures for social distancing, you are not acting with paranoia. This reflects an excess of limiting/restricting usage of bank operations.

Called Visa on April 7; on hold for 1 hr 3 minutes. Called April 11; only hold for 50 minutes. Called on April 13. On hold for 1 hour 30 minutes. Last time I called at 8 P.M. I was summarily disconnected at 9:30 P.M. This is GARBAGE! I understand they are busy given current events; but if you cannot handle the call volume, either hire more people or extend your hours. One star is extremely generous. They deserve -10.

Went to do some online banking with my cell and my password would not work. So, I decided to restart my phone and then tried my computer web access. It appears they decided to "temporarily disabled your online access"? For what logical reason? I guarantee you my password was correct. So, was directed to call. Spent 27 minutes on hold, then when I was finally speaking to someone they transferred me to someone else! I wish the TD Bank in town didn't close down!