ROYAL BANK OF CANADA

Royal Bank of Canada (RBC; French: Banque Royale du Canada) is a Canadian multinational financial services company and the largest bank in Canada by market capitalization. The bank serves over 20 million clients and has more than 100,000 employees worldwide.[2] Founded in 1864 in Halifax, Nova Scotia, it maintains its corporate headquarters in Toronto and its head office in Montreal.[2] RBC's institution number is 003. In November 2017, RBC was added to the Financial Stability Board's list of global systemically important banks.

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ROYAL BANK OF CANADA SWIFT Code

Country

City

Bank or Institution

SWIFT Code

United States of America

MIAMI,FL

ROYCUS3M

United States of America

NEW YORK,NY

ROYCUS3MXXX

Total: 2
1

About ROYAL BANK OF CANADA

Company type
Public
Industry
Financial services
Founded
1864 ; 161 years ago ( 1864 ) [ 1 ] in Halifax, Nova Scotia
Headquarters
Montreal , Quebec, Canada Toronto , Ontario, Canada [ 2 ] [ note 1 ]
Key people
David I. McKay (President and CEO) [ 4 ]
Revenue
CA$ 57.34 billion (2024) [ 5 ]
Number of employees
94,838 (2024) [ 5 ]
Website
rbc .com

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What is a SWIFT code?

A SWIFT code is an 8 or 11 character code used in banking to facilitate transactions and identify the bank.

What is the purpose of a SWIFT code in international transactions?

SWIFT codes are used to route international financial transactions to the correct bank and branch. It facilitates the smooth and accurate transfer of funds between different banks and countries, ensuring that the transactions are processed correctly and securely.

How do I find my bank's SWIFT code?

You can find your bank's SWIFT/BIC code in the statements of your bank account. You can also use our SWIFT/BIC finder to get the right code for your transfer.

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Frequently Asked Questions

1. Why does ROYAL BANK OF CANADA have different SWIFT Codes?

ROYAL BANK OF CANADA operates differently across various countries, regions, and branches, with variations in business operations and clearing paths. To accurately identify and process ROYAL BANK OF CANADA's cross-border payments and other transactions, different SWIFT Codes are used for distinction. Many large multinational banks have unique SWIFT Codes to their headquarters, regional branches, and overseas subsidiaries to ensure precise and secure fund transactions.

2. How do I know which SWIFT Code of ROYAL BANK OF CANADA to use in a transfer?

It depends on the specific business scenario. For cross-border remittance to a branch of ROYAL BANK OF CANADA, you can log on to the official website of ROYAL BANK OF CANADA, or search the current page of XTransfer, or call ROYAL BANK OF CANADA to inquire about the SWIFT Code of the branch. For international business, you should first coordinate with the relevant branch in the target country and confirm the correct SWIFT Code based on the exact information provided by your business partner.

3. Is there any pattern in the composition of different SWIFT Codes for a multinational bank like ROYAL BANK OF CANADA?

Usually, SWIFT Code consists of 8 or 11 characters. For ROYAL BANK OF CANADA, the first 4 digits represent the bank code, which is the same for ROYAL BANK OF CANADA worldwide; the 5th and 6th digits are the country code; and the 7th and 8th digits are the region code, which will be different for branches in various regions. If the code includes 11 digits, the last 3 digits represent the branch code, which is used to distinguish different branches within the same region.

4. Will the SWIFT Code for ROYAL BANK OF CANADA be updated or changed?

Yes. When ROYAL BANK OF CANADA undergoes an organizational restructuring, such as a branch relocation, merger or split, or when there is a significant change in the financial system of the region where ROYAL BANK OF CANADA is located, its SWIFT Code may be updated and changed. ROYAL BANK OF CANADA will announce the changes in advance through its official website, mobile banking APP and other channels. Therefore, when handling cross-border business, customers should pay attention to the announcement of ROYAL BANK OF CANADA in time to confirm the latest SWIFT Code information, so as to avoid affecting the business.

5. Do different SWIFT Codes of ROYAL BANK OF CANADA support the same scope of business?

The scope of business is different. While the same bank can operate with different SWIFT Codes for the same basic types of business, there are differences for some specialized businesses or for businesses in specific regions. For example, the SWIFT Code of some branches may be specialized to support trade finance business, while the SWIFT Code of other branches is more convenient for cross-border e-commerce collection. In addition, for some emerging markets or country-specific business, only the SWIFT Code of a particular branch may have the authority to process it. When conducting international business, it is important to check whether the SWIFT Code of ROYAL BANK OF CANADA supports the corresponding business.