As one of Canada's five largest banks, Royal Bank of Canada (RBC) Automated Teller Machines (ATMs) can be found across the country. These machines allow RBC customers to make withdrawals and deposits, but can also be used by customers of other banks to withdraw cash too. So here's our review of RBC ATMs.

What denominations of cash can be withdrawn at an RBC machine?

In terms of the variety of denominations that can be withdrawn, RBC ATMs stand out. They offer $5, $20, $50 and $100 bills. However, unlike other banks' ATMs, which allow users to choose the denominations they want to withdraw, it is impossible to choose the denominations you want to withdraw from an RBC ATM.

What are the withdrawal fees for non-customers?

Royal Bank clients can make withdrawals without paying a convenience fee at any of the financial institution's own ATMs. However, if you are not an RBC client, you will be charged a $3 convenience fee, plus any other fees charged by your own financial institution.

In fact, the convenience fee does not represent the entire cost of withdrawing money from an ATM at a bank where you are not a customer. In addition to the convenience fee, there may be an Interac network access fee between $0 and $1.90, and a transaction fee between $0 and $2. Of course, you won't pay any additional transaction fees if your banking package includes a certain number of transactions per month, or if you have a Canadian chequing account with no fees.

According to the Financial Consumer Agency of Canada, the total fee for withdrawing money from another bank's ATM ranges from $1 to $7.90, and the fee for withdrawing money from a private ATM ranges from $1.50 to $8.90!

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How do I make a deposit at an RBC ATM?

RBC ATMs are state-of-the-art, so RBC clients can deposit cash or cheques by inserting them directly into the slot provided without an envelope. This envelope-less technology allows for faster deposit processing, and eliminates the need for RBC clients to reschedule deposits due to envelope shortages.

How do I find an RBC ATM?

RBC ATMs are available at most RBC bank branches, as well as at many businesses and shopping centres. The easiest way to find the RBC ATM nearest you is to use the RBC ATM Locator. Simply enter your postal code or city and the locator will generate a map showing nearby RBC ATMs. 


What we think of RBC ATMs

Based on our analysis, RBC's ATMs are among the most competitive in Canada. In fact, we believe they deserve an overall rating of 4.5/5.


Variety of cash denominations offered4/5
Withdrawal fee for non-customers4/5
Deposit experience5/5
Accessibility of counters5/5
Overall rating4.5/5
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