RBC offers several contact channels for personal banking support: phone, live chat through Online Banking, in-app support through NOMI, and in-branch service across more than 1,200 locations. Phone support (1-800-769-2511) is the fastest route for most urgent matters — lost cards, transaction disputes, limit increases — and is available 24/7.
RBC Phone Numbers
| Service | Phone Number | Hours |
|---|---|---|
| Personal banking (general) | 1-800-769-2511 | 24/7 |
| Credit cards | 1-800-769-2512 | 24/7 |
| RBC Direct Investing | 1-800-769-2560 | Mon–Fri 7 AM–8 PM ET |
| Mortgages | 1-800-769-2511 (option for mortgage) | Business hours |
| Business banking | 1-800-769-2520 | Mon–Fri 8 AM–8 PM ET |
| International / collect | 1-416-974-7780 | 24/7 |
| TTY/TDD (hearing impaired) | 1-800-661-1275 | Business hours |
| Lost or stolen debit card | 1-800-769-2511 | 24/7 |
| Report fraud | 1-800-769-2511 | 24/7 |
Online and In-App Support
Live Chat
Available through RBC Online Banking during business hours (approximately Mon–Fri 7 AM–10 PM ET, Sat–Sun 9 AM–8 PM ET). Log in and click the chat bubble to connect with a live agent. Chat is suitable for:
- Account inquiries and balance questions
- Transaction explanations
- Limit increase requests
- General product questions
- Bill payment setup
NOMI — RBC Virtual Assistant
NOMI is RBC’s AI-powered assistant available through the RBC Mobile app. It handles common account questions — balance inquiries, recent transactions, spending summaries, and financial insights — without connecting to a live agent. Not suitable for disputes, complaints, or complex account changes.
In-App Card Controls
Through the RBC Mobile app you can manage common service actions without calling:
- Freeze/unfreeze your debit card
- Set spending alerts
- Temporarily increase daily limits (some account types)
- View e-Transfer history
- Download void cheques and direct deposit forms
In-Branch Service
RBC has over 1,200 branches across Canada. In-branch appointments are recommended for:
- Mortgage applications and renewals
- Opening new accounts (especially business accounts)
- Large cash transactions
- Estate and inheritance matters
- Signature guarantees (medallion)
- Safe deposit box access
Use the RBC branch locator on rbcroyalbank.com to find the nearest branch and its hours. Many branches offer appointment booking online for financial advisor meetings.
See RBC branch hours for typical operating times by province.
Social Media
RBC maintains active social media accounts for general inquiries and complaint escalation. Never share account numbers, SINs, or passwords through social media.
| Platform | Handle |
|---|---|
| Twitter / X | @RBC |
| RBC Royal Bank |
Social media support is suitable for general questions and directing you to the right department. For account-specific matters, always use phone or secure online banking chat.
Complaint Resolution Process
If a front-line agent cannot resolve your concern:
- Request escalation to a supervisor or manager at the branch or on the call
- RBC Client Care: Call 1-800-769-2511 and ask for Client Care
- RBC Ombudsman: For unresolved complaints, submit a formal complaint to the RBC Ombudsman at 1-800-769-2542 or ombudsman@rbc.com
- OBSI (Ombudsman for Banking Services and Investments): The independent escalation body for Canadian banking complaints if RBC’s internal process does not resolve the issue — obsi.ca
RBC is regulated by the Office of the Superintendent of Financial Institutions (OSFI) and bound by the Financial Consumer Agency of Canada (FCAC) complaint handling requirements.
Tips for Faster Service
- Call early morning (7–9 AM ET) or mid-afternoon on weekdays — wait times are shorter than Monday mornings or end-of-month periods
- Use the app first for balance inquiries, e-Transfer histories, and card freezes — saves a call
- Have your client card number and SIN ready — RBC verifies identity before discussing account details
- Request a callback during high wait periods — RBC offers a callback option rather than holding