Royal Bank of Canada

aid: rbc
url: https://raw.githubusercontent.com/api-evangelist/rbc/refs/heads/main/apis.yml
name: Royal Bank of Canada
kind: company
description: 'Royal Bank of Canada (RBC) is Canada''s largest bank by market capitalization and one of the country''s Big
  Six, a Schedule I domestic bank chartered under the federal Bank Act and publicly traded (TSX/NYSE: RY) with headquarters
  in Toronto. RBC serves personal, commercial, wealth, capital-markets, and insurance clients in Canada, the U.S., and internationally.
  It was the first Canadian bank to launch a public API developer portal (developer.rbc.com — the "RBC External Developer
  Portal"), which offers self-serve informational/utility APIs (branch locator, credit card catalog, mortgage down-payment
  and amortization calculators) alongside a partner-gated Business Banking API suite for corporate treasury integration (RBC
  Move Money via Interac e-Transfer, RBC Pay, and Balance/Transactions, Tracking, and Validation APIs). RBC exposes no first-party
  open-banking consumer-data API; consumer data sharing today is aggregator-based via bilateral agreements (e.g. Plaid, Yodlee).
  Canada''s federal Consumer-Driven Banking framework (Budget 2024 / Fall Economic Statement 2024, overseen by the FCAC) is
  legislated but not yet operational, so open finance in Canada remains voluntary and fragmented.'
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise business APIs (advisor onboarding) + self-serve informational APIs on the developer portal
  confidence: medium
  source:
  - authentication
  - documentation
  generated: '2026-07-23'
  method: manual
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Canada
- Big Six
- Payments
- Interac
- Open Banking
- Developer Portal
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: rbc:branch-locator-api
  name: RBC Branch Locator API
  description: Self-serve informational API on the RBC External Developer Portal that accepts a postal code or keyword search
    and returns the address and hours of operation of the closest RBC branch, or a list of nearby branches.
  humanURL: https://developer.rbc.com/
  tags:
  - Branch Locator
  - Location
  - Banking
  properties:
  - type: DeveloperPortal
    url: https://developer.rbc.com/
  - type: Documentation
    url: https://developer.rbc.com/
- aid: rbc:credit-card-catalog-api
  name: RBC Credit Card Catalog API
  description: Self-serve informational API on the RBC External Developer Portal exposing RBC credit card product details,
    rates, and fees through a programmatic interface.
  humanURL: https://developer.rbc.com/
  tags:
  - Credit Cards
  - Catalog
  - Banking
  properties:
  - type: DeveloperPortal
    url: https://developer.rbc.com/
  - type: Documentation
    url: https://developer.rbc.com/
- aid: rbc:minimum-down-payment-api
  name: RBC Minimum Down Payment API
  description: Self-serve calculator API on the RBC External Developer Portal that computes the minimum down payment required
    for a given home purchase price under Canadian mortgage rules.
  humanURL: https://developer.rbc.com/
  tags:
  - Mortgage
  - Calculator
  - Banking
  properties:
  - type: DeveloperPortal
    url: https://developer.rbc.com/
  - type: Documentation
    url: https://developer.rbc.com/
- aid: rbc:amortization-schedule-api
  name: RBC Amortization Schedule API
  description: Self-serve calculator API on the RBC External Developer Portal that returns the number of payments and amortization
    schedule for a mortgage given amount, amortization period, interest, and payment details.
  humanURL: https://developer.rbc.com/
  tags:
  - Mortgage
  - Amortization
  - Calculator
  properties:
  - type: DeveloperPortal
    url: https://developer.rbc.com/
  - type: Documentation
    url: https://developer.rbc.com/
- aid: rbc:move-money-interac-api
  name: RBC Move Money API (Interac e-Transfer)
  description: Partner-gated Business Banking payment API that lets companies send near real-time Interac e-Transfer transactions
    in Canada from an embedded, real-time service, with optional enriched remittance/invoice information attached to the payment.
    Onboarding is via an RBC Advisor.
  humanURL: https://www.rbcroyalbank.com/business/api/index.html
  tags:
  - Payments
  - Interac
  - Real-Time Payments
  - Banking
  properties:
  - type: Documentation
    url: https://www.rbcroyalbank.com/business/api/index.html
- aid: rbc:rbc-pay-api
  name: RBC Pay API
  description: Partner-gated Business Banking payment API for embedding RBC payment capabilities into a company's financial
    systems. Documented on the RBC Royal Bank Business Banking APIs page; onboarding is via an RBC Advisor.
  humanURL: https://www.rbcroyalbank.com/business/api/index.html
  tags:
  - Payments
  - Cards
  - Banking
  properties:
  - type: Documentation
    url: https://www.rbcroyalbank.com/business/api/index.html
- aid: rbc:balance-and-transactions-api
  name: RBC Balance and Transactions API
  description: Partner-gated Business Banking informational API providing real-time account balance and transaction information
    for a company's RBC accounts. Onboarding is via an RBC Advisor.
  humanURL: https://www.rbcroyalbank.com/business/api/index.html
  tags:
  - Account Management
  - Transactions
  - Balance
  - Banking
  properties:
  - type: Documentation
    url: https://www.rbcroyalbank.com/business/api/index.html
- aid: rbc:tracking-api
  name: RBC Tracking API
  description: Partner-gated Business Banking informational API for tracking the status of payments and transfers within RBC
    business banking. Onboarding is via an RBC Advisor.
  humanURL: https://www.rbcroyalbank.com/business/api/index.html
  tags:
  - Payment Tracking
  - Payments
  - Banking
  properties:
  - type: Documentation
    url: https://www.rbcroyalbank.com/business/api/index.html
- aid: rbc:validation-api
  name: RBC Validation API
  description: Partner-gated Business Banking informational API for validating account or payment details prior to initiating
    a transaction. Onboarding is via an RBC Advisor.
  humanURL: https://www.rbcroyalbank.com/business/api/index.html
  tags:
  - Account Validation
  - Verification
  - Banking
  properties:
  - type: Documentation
    url: https://www.rbcroyalbank.com/business/api/index.html
common:
- type: DomainSecurity
  url: security/rbc-domain-security.yml
- type: Website
  url: https://www.rbc.com/
- type: DeveloperPortal
  url: https://developer.rbc.com/
- type: Documentation
  url: https://www.rbcroyalbank.com/business/api/index.html
- type: GitHubOrganization
  url: https://github.com/rbc
- type: LinkedIn
  url: https://www.linkedin.com/company/rbc
- type: Blog
  url: https://www.rbc.com/newsroom/
- type: TermsOfService
  url: https://www.rbc.com/legal/
- type: PrivacyPolicy
  url: https://www.rbc.com/privacysecurity/ca/index.html
- type: GettingStarted
  url: https://developer.rbc.com/
- type: SignUp
  url: https://developer.rbc.com/
- type: APIReference
  url: https://developer.rbc.com/
- type: LLMsTxt
  url: llms/rbc-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com