Send money to Royal Bank of Canada (RBC) in Canada from New Zealand
Learn how to safely send money from New Zealand to a Royal Bank of Canada (RBC) account, including the necessary documents and available payment options.
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How to send money to Royal Bank of Canada (RBC) in Canada
There are a couple of common ways to transfer money to a bank account in Canada:
- Arrange a SWIFT payment with your bank online, in app or in person
- Use a specialist digital international money transfer service
Sending your payment with your bank might be the obvious option, but it’s not necessarily convenient if you need to visit a branch in person - plus, you may run into high overall costs, even if you can make a digital payment.
Bank fees can include a transfer fee, exchange rate markup, and intermediary bank fees which are deducted from the amount you send.
Providers like Wise and XE are specialists in digital international money transfers, offering transfers online and in app, with lower costs, better exchange rates and often faster transfer times.
Step by step instructions to wire money to Royal Bank of Canada (RBC)
Let’s work through sending money to a Royal Bank of Canada (RBC) account step by step. The bank or provider you pick may have slightly different requirements and processes - but generally what you’ll have to do when transferring money to a bank account looks broadly the same:
- 1Step 1: Gather the information and documents you need for the payment
To send a payment to Royal Bank of Canada (RBC) in Canada, you’ll need some information from the recipient. You may also need some documents depending on the situation.
Information can include the recipient’s bank account number, address and SWIFT/BIC code - we'll look at this for Royal Bank of Canada (RBC) in Canada in detail later.
High amount payments may have additional requirements - double check with your bank to learn more. - 2
Step 2: Initiate the transfer with your bank or provider
Once you have all the information required you can start your payment.
Depending on the bank or provider you use, you might need to visit a physical location, but this can often be arranged digitally with just your phone or a laptop.If you decide to use a specialist digital service like Wise and XE, everything can be done from home - if you decide to use your New Zealand bank, double check your options before you start.
- 3Step 3: Enter the payment information
If you’re in a branch the service team can guide you through the payment process.
If you’re sending money online or in an app, you’ll be prompted to enter the information needed to securely process your payment.
This will include the recipient’s banking details, and the amount and currency to be deposited.
If you need to add documents, you can upload images with your phone or laptop. - 4
Step 4: Pay for your transfer
Once the payment is set up you’ll need to confirm how to fund it. If you’re using your bank you’ll simply need to confirm which of your accounts should be debited.With specialist digital providers like Wise or XE, you’ll usually get a broader choice of ways to pay, including bank transfers, cards and wallets like Apple Pay.
- 5Step 5: Track the transfer as it is processed
Banks and payment providers often offer payment tracking tools so you can keep an eye on the money as it moves through the system. You may also be able to set up notifications so you know how the transfer is progressing. - 6Step 6: Your money will be deposited
Once the payment has been processed it’ll be deposited to the recipient’s account in Royal Bank of Canada (RBC) in Canada.
This can be quick or even instant with specialist digital services, or may take a few days for a bank SWIFT payment.
Information needed to send money to Royal Bank of Canada (RBC)
When you send money to an account held by Royal Bank of Canada (RBC), you’ll need to give the sending bank or provider some information to make sure they can process the payment safely.
This includes all the details they need to guide the money to the right country, bank and account. The exact requirements can vary depending on the payment, and you might also need additional information or paperwork, particularly for high value transfers.
Here’s a look at the information needed to send money to Royal Bank of Canada (RBC) in Canada from New Zealand:
- Account number
- Transit number
- Institution number
SWIFT codes for Royal Bank of Canada (RBC) in Canada
To make sure your payment gets safely to Royal Bank of Canada (RBC) you’ll usually be asked for a SWIFT code, which can also be called a SWIFT/BIC code.
This is a unique identifier that’s given to banks all over the world, to make sure payments are routed to the right place - even if it’s in another country.
| 📌 Royal Bank of Canada (RBC) swift code |
|---|
| ROYCCAT2XXX |
Royal Bank of Canada (RBC) address for international (wire) transfers
You might be asked to provide the Royal Bank of Canada (RBC) address to make your payment. Again, this is a measure used by some banks to help guide your payment to the correct place, and to avoid delays in processing a transaction.
To ensure you are using the most current information, it is always recommended to verify the Royal Bank of Canada (RBC) address before proceeding.
| 🏦 Royal Bank of Canada (RBC) address for incoming (wire) transfers |
|---|
| 180 Wellington Street West, Toronto |
How much does it cost to transfer money to Royal Bank of Canada (RBC)?
The costs of sending money to a bank account with Royal Bank of Canada (RBC) can vary a lot depending on the bank or provider you select to arrange the payment with. The amount you send can also make a big difference.
If you choose to send money with your bank, you may find that they waive the transfer fee for a cross currency payment. However, this doesn’t necessarily mean the transfer is free.
Instead, fees are often added into the exchange rate that’s used to convert your money to the currency needed for deposit. This fee is a percentage of the amount sent, and so can be especially costly for higher value transfers. Aside from this, third party fees may apply, which are paid to other banks involved in processing the payment, and deducted as the transfer passes through the SWIFT network.
Specialist services like Wise and XE can often offer better exchange rates, and lower overall transfer fees compared to banks. Your money might be delivered faster as well.
| Cheapest provider | Total cost | Details |
|---|---|---|
| Wise | $5.96 NZD | NZD/CAD exchange rate: 0.8048 |
| XE | $12.07 NZD | NZD/CAD exchange rate: 0.7999 |
| OFX | $14.9 NZD | NZD/CAD exchange rate: 0.7988 |
| Remitly | $40.44 NZD | NZD/CAD exchange rate: 0.7888 |