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RBC Royal Bank international wire transfer fee
These are the fees RBC Royal Bank states on its own web page; we read the page on Oct 12, 2026. The fee is only one part of what a wire costs: the exchange-rate margin and fees taken by other banks come on top.
What RBC Royal Bank charges for an outgoing international wire
| Service | Fee |
|---|---|
| Outgoing wire fee, starting at (CAD or USD account) | $45.00 |
RBC lists this as a starting fee and says to ask for details. Fees are payable in the currency of the account, and the page shows no separate online and branch fees.
Source: RBC, additional account services, read Oct 12, 2026.
What the wire fee does not include
The fee above is only what the sending bank charges. The bank may also apply a margin to the exchange rate, and the receiving bank or an intermediary bank can deduct its own fees. The margin and these other charges are often not shown on the fee page.
Banks or transfer specialists: what the World Bank survey found
For Canadian dollars, the median total cost was 2.93% at money transfer operators and 5.44% at banks, so operators were 2.51 percentage points cheaper. For an amount equal to $200 those medians are about $5.86 and $10.88.
Only 16 bank services were recorded, so the bank median rests on few observations.
The gap differs by sending currency, so it is not the same for every country.
Source: The World Bank, Remittance Prices Worldwide, Q3 2025 release, licensed under CC BY 4.0.
For the cost of transfers through money-transfer providers, including the exchange-rate margin, see the World Bank survey figures on the country pages:
What RBC Royal Bank cost in the World Bank survey
The World Bank’s survey recorded Royal Bank of Canada in 2 of the corridors on this site. The figures are the total cost of sending an amount equal to $200 and $500: the fee plus the exchange-rate margin, as a share of the amount sent. They are historical survey measurements, not today’s prices.
| Corridor | Starts | $200 | $500 | FX margin $200 |
|---|---|---|---|---|
| CAD → INR | Internet | 2.10% | 2.10% | 2.10% |
| CAD → PHP | Internet | 2.10% | 2.10% | 2.10% |
FX margin is the exchange-rate margin included in the $200 total.
Source: The World Bank, Remittance Prices Worldwide, Q3 2025 release, licensed under CC BY 4.0.
Frequently asked questions
How much does RBC Royal Bank charge for an international wire transfer?
RBC Royal Bank states these fees on its own page (read Oct 12, 2026): Outgoing wire fee, starting at (CAD or USD account): $45.00. Fees depend on the account type and channel and can change, so confirm with RBC Royal Bank before you send. The sending bank may also apply an exchange-rate margin, and other banks involved may deduct their own fees.
Is the wire fee the full cost of sending money abroad?
The fee above is only what the sending bank charges. The bank may also apply a margin to the exchange rate, and the receiving bank or an intermediary bank can deduct its own fees. The margin and these other charges are often not shown on the fee page.