Our Guarantee to You
With the RBC Digital Banking Security Guarantee, you’re fully protected against any eligible digital transactions you didn’t make or approve so long as you fulfill your responsibilities1. Should something covered by the Digital Banking Security Guarantee ever happen, we will fully reimburse you for any unauthorized transactions made through the RBC Mobile2 app or RBC Online Banking2.
Always Practice Safe Banking
Sign Out
Be sure to sign out and close your Internet browser at the end of each banking session conducted through RBC Online Banking or the RBC Mobile app.
Protect Your Passwords
Keep your password and personal verification questions (and answers) confidential. Keep in mind that no RBC employee will ever ask you to share this information.
Get In Touch
Contact us immediately if you know or suspect that your password has become known to someone else, or if there has been suspicious activity in your account that you did not authorize.
Other Ways We Keep Your Information Safe
Secure Message Centre
The Message Centre in RBC Online Banking is a secure and confidential way to communicate with us online. It’s much safer than traditional email and a recommended way to get in touch with us online.
Sign-In Protection & Personal Verification Questions
When enabled, Sign-In Protection adds an extra barrier between your accounts and any unauthorized users. When you enrol, or if you turn on this service, you will be asked to provide us with your phone number, and create three unique PVQs (Personal Verification Questions) with answers only you would know — such as the year and model of your first car, or your favourite vacation spot. If you have activated this service you will be asked these questions whenever you sign in to RBC Online Banking.
2-Step Verification
With 2 Step Verification from RBC, you get an added level of security to protect your information and accounts so you can stay confident that your money is safe.
See how to protect your account
Security & Privacy Practices at RBC
Protecting your privacy and safeguarding your personal, business and financial information is a cornerstone of our business and will always be one of our highest priorities.
What You Can Do to Stay Safe
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Use strong passwords — choose words, numbers or phrases that are difficult for others to guess. Don’t share private information. Remember, no RBC employee will ever ask you to share your PIN, password or Personal Verification Questions or answers
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Avoid traditional email. Regular email is not secure — if you wish to contact us, send us a secure message within RBC Online Banking
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Up-to-date anti-virus / anti-spyware software and use of a firewall is always a good idea to make sure your computer is protected
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Protect your electronic transfers. Always use safe email, security and password practices when sending money. Create passwords and questions that are unique and not easily guessed or obtained by others.
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Stay vigilant. Keep an eye on your accounts and statements. If you see something suspicious, get in touch with us immediately
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Use RBC Alerts. When you sign up to receive Alerts to notify you about large account transactions, you’ll immediately know of any suspicious or unauthorized activity.
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Stay current with NOMI. NOMI helps you keep an eye on your money while you’re living your busy life. That’s because NOMI lets you know if there is any new or unusual activity that’s outside your typical spending routine.
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Register for Autodeposit. Anytime someone sends you money, the funds will be automatically deposited into a predetermined account, eliminating the need to create and share a security question or password.
Discover and Learn
Fraud Prevention Month: Four Ways to Protect Yourself From Phishing Trips and Digital Scams
Find out how
Fraud Prevention: Practice Safe Online Security with These Five Tips
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Discover and Learn
The safer way to click and buy.
See How
Fraud Prevention Month: Four Ways to Protect Yourself From Phishing Trips and Digital Scams
Find out how
Fraud Prevention: Practice Safe Online Security with These Five Tips
Get the Tips
1.
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if:
you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
you share any of your Passwords or Personal Verification Questions; or
you consent to, contribute to or authorize a transaction in any way.
Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Client Card Agreement for personal banking clients, and theMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
2.
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc. RBC Online Banking is operated by Royal Bank of Canada.
