RBC Reviews 

Their baking is good. We have no issues, but their help on online investing is atrocious. No ability to solve a problem even when they create it. I refuse to give online investing any more money.

I had to file a claim with my rbc visa debit cause someone stole 6000cad dollars and when I filed the claim I was never told that I only had 10 days to send all the information needed this was in December and I was told the investigation would take 3 months I kept reaching out by email to the dispute department and never had one email response or phone call than I went to my main branch on April 16 spoke with the same person that I spoke with in December at the branch they called the dispute department and I was told that my file was closed and was told to file again which i did than I called today April 25 to speak with the dispute department on the phone and they kept me on hold for a long while and then I was told that I cant make another claim I was never told in the first place I only had 10 days to give all the info I was told since I was going on vacation at the time that they wouldn't start my claim until I was back so I was mislead 2 times I am not happy now I was told to go through the better business bureau

Royal Bank takes several days to post payments and even though they receive the payments before the due dates, they still charge interest because they take so long to post the payment. Interest is charged from the due date until the posted date. It seems that they intentionally delay posting the payments so that they can charge interest. In the meantime they have the money and are benefitting from it both in its use and in the interest they will charge on it. This is not a one time event, they have been doing this every month for years.

Worst experience if my life with the manager at the Stockdale branch in North Bay Ontario. I lost my Dad in February. She will not waive pobate for 668.25. Power tripping much? Here I am overwhelmed already, but let's make this only child figure it out while she's extremely stressed. MANAGER AT RBC STOCKDALE in NORTH BAY. You dont know what people are going through or have gone through. Stop acting like you own the bank. Trust me, you can be replaced. 🫢 I am ashamed that my father even dealt with you guys. Disgusting behaviour, have the life you deserve.

This is the worst bank anyone can ever deal with they love to steal money for you and say ohhh no in 5 business days you'll get it back. If you call us 🖕

I had a very bad experience at RBC FV branch. I was told my card was expired. I told the staff I have online banking. They don't accept. I told them I had all ID in my cell phone, they didn't accept. Too much frustrated.

Customer service reps have proven time after time they are not in the service business but rather adding as much red tape to any situation as possible. The wait times to speak to someone has been come abhorrent. I wish i could resolve these issues online but this is often not possible thus leading to required conversations with reps via phone who ultimately say there is nothing they can do but to call back and try again later. RBC appears to support the "Annoyance Economy"

Worst Bank I've seen ever, worst services, they just took advantages from their customer to make money, worst customer services I've seen in my life.
I never called and satisfied with them. AVOID RBC. Do not go for RBC. I just closed my Bank account with them after only 6 months of opening due to their horrible services and miscommunication, mismanagement. Avoid RBC.I will never recommend this Bank.

My wife’s Mastercard expired, but no replacement card was sent to her in advance, which is the standard expectation.

Because of this, she had to apply online for a replacement. During the process, the system clearly stated that the existing card could still be used until the new one arrives. However, her card was blocked shortly after, leaving her without any usable card for days.

When we contacted customer service, we were told that once a replacement request is submitted, the card is immediately deactivated. This directly contradicts the information shown online.

This experience is extremely frustrating and inconvenient. In an era where processes are supposed to be automated and seamless, it is unacceptable that a basic service like card renewal failed, and even worse, that misleading information was provided.

RBC needs to seriously review both its card replacement process and the accuracy of its online communication. Customers should not be left without access to their funds due to internal inconsistencies.

Very disappointing experience.

FYI
If you are an RBC client (or any bank for that matter) and have ever received an “offer” in a “personalized mail” envelope. Listen up!
Check the upper right corner of your mail. If it says anything other than “letter mail”, it is junk mail! Junk, personalized, neighbourhood, ad, whatever you want to call it, is mailed at a cheaper rate that does not include return to sender services. So no matter what you write on that envelope, it will not go back to the sender, in this case, the bank! It goes back to the post office, may go around several times, but eventually is supposed to end up in the garbage.
As this is not a secure way of sending Your personal information, I urge you to call and complain to your bank that they not send you information this way.
This letter had, of course, my name and address including postal code, the last 4 digits of my credit card, and my credit limit!
These are all the security questions they ask you fro privacy to prove its you!
Ive call RBC twice about this, they will not provide me with an email address for customer service or security. No email address, so i can have record of this! Can’t find one anywhere.
I asked someone call me back on this, she said some called twice. I have zero messages to prove this.
She said i can go into my branch and ask they not mail me, lol. This could help me. But what about you and every other customer whose information is out there in unsecured ad mail to end up in anyone’s hands? Yes, most of it does end up back at the post office plant, where every knows what this junk mail is, that it does not get returned. And you guessed it,not every single person who works there is honest. A lot of this mail, because address is not changed should it not reach you, especially in apartment mail rooms, community boxes, anywhere multiple people get mail, (and yup they want to do away with home delivery which does help security a bit)
It ends up on the floor of the mail room, thrown on the ground, etc.
your personal banking information!
Oh this personalized junk mail letter not includes my last 4 digits of my credit card, my current limit , etc, it also includes a QR code to go directly to my account, all you need i my password. Easy enough to change when you have all that other info….
RBC refuses to care about this!
Also, just try to send any contact info through rbc customer complaint link, lol, impossible. Lol

RBC added BPI w/o consent, denied cancel, took $ w/o notice

AVOID RBC Right Pay, its horrendous, used with the vulnerable as the main target, usually given through Social support programs, but Avoid , the branches don't even have access to the card, the customer support is ignorant and not helpful, and the cost to use ABMs and ATMs, I never have been hit with 4.50 twice on one withdrawal before, new experience, oh and during a refund, they claimed they never received it when a forensic accountant proved that inaccurate and even received the money before they even sent the letter saying they can't do anything. So $100+ of fees and lost money in one month because of their outrageous scam they have, all directed at the most vulnerable, people on disability. PREDATORY BANK

due to a transaction I made..it was denied and was told it was fraud.. When i explained that it wasnt.. fell on deaf ears. My card has been restricted now for over 2 weeks.. cannot do online banking, have to go into branch. asked for it back and they refused to give it back.. im 61 with M.S, it is unaccceptable how i have been treated. i am now in process of removing all my investments and accounts. do not recommend this bank.. never have i ever had a problem, until i moved to nova scotia.. i want my online back!!!!!!!!!

Beware - I have valuable things missing from my safety deposit box.I complaint to RBC and even showed them sign in signature that wasn't mine.They refuse to acknowledge my complaint and just brush it off.Now I have to sue.What a hassle.

The good service this bank use to have is going down. Cant even do online banking or phone banking as they will tell you are not who you are even when you provide the correct information about YOURSELF. The employees cannot speak english clearly, language barrier.

I am extremely disappointed with the service received. After being a loyal client for 48 years, I was subjected to misleading information (false representation) regarding a survey. To make matters worse, I was transferred to the fraud department in an unacceptable manner. There is absolutely no recognition of my long-term loyalty to this bank. This is not how you treat a lifetime customer. Very disappointed.

I would rate ZERO for this time experience using RBC,

"Extremely disappointed with how RBC handles major fraud issues. I recently discovered a large fraudulent transaction on my account, but instead of helping, the security team told me they couldn't place a stop payment or even issue a new card right away. All they could do was 'lock' the account and told me I have to wait 3 weeks for an investigation with zero promise of getting my money back.
It feels like they don’t take these security breaches seriously at all. I had a similar issue in December 2023, and the service was completely different—helpful and professional. Now, the attitude is dismissive, and the lack of urgency is suspicious. It’s a terrible feeling when you're the victim of fraud and your own bank makes you feel like they’re making it easier for the scammers than for you. Worst experience ever."

I had big fraud issue today, both td and rbc got issue, I called TD first, they reversed today's transactions right away and put the money back to my acct, issued new card with new number, make sure login changed.

Crappiest bank I got to work with in Canada. I have accounts with multiple banks, and RBC provides the worst experience. They have no respect at all for your time. No care in the world if a security issue happens. I have been on a call for hours because I got an alert about an unauthorized purchase and they just pass me from one person to the next. Months ago, I had a meeting with a financial advisor, and that was a crappy experience too. The guy literally told me to move my investment to Scotia... like what???? Every time I had to do an in person thing, I had to wait for 40+ minutes. Respect yourself and don't bank with RBC.

0 Stars – Locked Out of My Own Account, Then Hung Up On

I had an extremely frustrating and disappointing experience with Royal Bank.

I was on a call with an agent for less than five minutes. After being asked a few security questions about my account activity, I opened my app and answered to the best of my knowledge.

From there, things only got worse. The agent said they had to end the call because my answers didn’t match and it was “to protect client privacy.” I asked for another question to verify my identity—this was not possible. I asked to escalate to a manager—also not possible. The call was abruptly ended, and I was effectively treated as a fraud risk… despite being the actual account holder trying to access support.

The reason for my call was simple: I needed guidance on how to pay a bill and understand my options online or in person. Instead, I was blocked by the system and denied any real assistance.

I then called a branch and spoke with someone who was helpful and explained the security controls, but by then, the damage was done. The experience was already negative, stressful, and completely avoidable.

Being locked out of your own account, denied escalation, and hung up on is unacceptable. I will be closing my accounts with RBC and sharing this experience on other platforms.

Customers deserve better access, better support, and basic respect—especially when they are trying to manage their own finances. Hanging up on a client is rude and bad business.

After months of having a courtesy overdraft, RBC started denying my charges. Even sums such as recurring withdrawals of $5,00, $10,00 and sums less than $15.00 were denied and they re-tried, resulting in $800-$900 in NSF charges.
Long time RBC customer and was treated like a piece of sh*t. I suppose if I were a man or somebody deemed important in this economy, they wouldn't have tried to actively destroy my life and ruin my credit. I have worked so hard in the course of over 40 years, harder than most, and this is the result. Customer service doesn't exist at this now terrible, cr@ppy bank.