The fastest way to pay your RBC credit card bill

You can pay your RBC credit card bill through RBC Online Banking, the RBC Mobile App, phone, mail, or in person at an RBC branch. Most people use Online Banking or the app because payments post the same business day if you pay before the cutoff time — usually 8 p.m. ET on business days. If you miss that window, the payment posts the next business day.

You do not have to wait for a bill to arrive to pay. You can pay any amount at any time, and you can set up automatic payments so the bill gets paid without you having to remember each month.

Key Takeaways

  • RBC Online Banking and the RBC Mobile App process payments the same business day if submitted before 8 p.m. ET on weekdays.
  • You can pay the full balance, the minimum payment, or any amount in between whenever you want — you do not have to wait for a bill.
  • Automatic payments can be set to pay your full balance, minimum payment, or a fixed amount on a date you choose each month.
  • Payments by mail take 5 to 7 business days to reach RBC, so mail is the slowest option if you are close to a due date.
  • Phone payments through RBC's automated system or a representative are available 24/7 but require your card number and account details.

Paying through RBC Online Banking or the mobile app

Log into RBC Online Banking or open the RBC Mobile App and navigate to your credit card account. Select "Make a Payment" or "Pay Bill" — the exact wording depends on which platform you are using. Enter the amount you want to pay and choose the payment date. If you select today's date and it is before 8 p.m. ET on a business day, the payment posts the same day. If you select a future date, the payment will post on that date.

You can pay from a chequing or savings account linked to your RBC profile. The system will show you available funds before you confirm, so you can see whether the payment will go through. Once you submit, you will receive a confirmation number — save this in case you need to reference the payment later.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. In RBC Online Banking or the app, go to your credit card account and look for "Automatic Payments" or "Bill Payment Setup." You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount.

Select the day of the month you want the payment to come out — most people choose a date shortly after they get paid. RBC will deduct the payment automatically on that date each month. You can change or cancel automatic payments anytime through the same menu. If you set automatic payments to your full balance, you will pay no interest charges, since the balance will be zero each month.

Paying by phone

Call RBC Credit Card Services at the number on the back of your card. You can speak to a representative during business hours or use the automated phone system 24/7. Have your card number, PIN, and the amount you want to pay ready. The system will confirm the payment and give you a reference number.

Phone payments process the same way as online payments — if you call before 8 p.m. ET on a business day, the payment posts that day. Payments made after hours or on weekends post the next business day. Phone payments are useful if you do not have access to a computer or app, but they take longer than online methods because you have to wait on hold or navigate the automated system.

Paying by mail or in person

You can mail a cheque or money order to the address shown on your bill statement. Write your credit card number on the cheque and include the payment stub from your bill if you have it. Mail payments take 5 to 7 business days to arrive at RBC, so the payment will not post immediately. If your due date is coming up, mail is not a reliable option — use online or phone payment instead.

If you have an RBC branch near you, you can also pay in person at a teller window. Bring your card or account number and the amount you want to pay. In-person payments post the same day if you pay before the branch closes, but this is the least convenient option for most people.

Understanding payment timing and due dates

Your statement shows a due date, which is the last day you can pay without triggering a late fee. RBC charges a late fee if your payment does not post by 11:59 p.m. ET on the due date. Payments made online or by phone before 8 p.m. ET on the due date will post the same day and arrive before the deadline. Payments submitted after 8 p.m. ET or on weekends will post the next business day, so if the next business day is after your due date, you will be late.

If you realize you will miss the due date, call RBC immediately. Some representatives can note your account to waive a single late fee if you have a good payment history, though this is not may provide. The best approach is to set up automatic payments so you never have to worry about missing a due date.

What to do if your payment does not post

Check your RBC Online Banking or app account 1 to 2 business days after you submit a payment. The payment should show as "Pending" and then move to "Posted" once it clears. If a payment you submitted several days ago still shows as pending, log in and look for a "Payment Status" section, which will tell you whether there is a problem.

Common reasons a payment does not post include insufficient funds in the account you are paying from, a typo in your account number, or a system error on RBC's end. If you submitted payment by mail and it has been more than 7 business days, contact RBC to confirm they received it. Keep your confirmation number from the original payment so you can reference it when you call.

Frequently Asked Questions

Can I pay my RBC credit card bill with a different bank account?

No, RBC Online Banking only allows you to pay from a chequing or savings account you hold at RBC. If you bank elsewhere, you can set up a bill payment through your own bank's system, which will mail a cheque to RBC on your behalf — but this takes 5 to 7 business days. The fastest option is to transfer money from your other bank to an RBC account first, then pay from there.

What happens if I pay more than my balance?

If you pay more than you owe, RBC will hold the extra amount as a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling RBC. Refunds by cheque take 5 to 7 business days; some accounts may offer direct deposit refunds, which are faster.

Do I have to pay the full balance, or can I pay just part of it?

You can pay any amount between the minimum payment and your full balance. If you pay less than the full balance, you will owe interest on the remaining amount at your card's interest rate. Paying only the minimum keeps your account in good standing but costs more in interest over time.

Can I set up automatic payments to a specific dollar amount instead of my full balance?

Yes. In RBC Online Banking, you can choose to pay a fixed amount each month instead of the full balance or minimum. This is useful if you want to pay down your balance gradually, but remember that any unpaid balance will accrue interest at your card's rate.

What if I need to cancel a payment I already submitted?

If the payment is still pending, you can cancel it through RBC Online Banking or the app before it posts. Once a payment has posted, you cannot cancel it — you would need to contact RBC to discuss a refund or credit. Automatic payments can be cancelled anytime through the automatic payment settings menu.