Royal Bank of Canada Fraud: How to Report It and Stop the Money
If money left your Royal Bank of Canada account without your permission, or you paid a scammer, contact Royal Bank of Canada straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Royal Bank of Canada’s official line below, or use help inside the official Royal Bank of Canada app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. Royal Bank of Canada will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Canada, and keep screenshots of every message and payment.
Official Royal Bank of Canada fraud contacts
Royal Bank of Canada (RBC)
Bank- Credit card lost, stolen or fraud (North America):1-800-769-2512(24/7)
- Credit card, from outside North America (collect):1-514-392-9167(24/7)
- Telephone banking:1-800-769-2511
- Online and mobile banking:1-800-769-2555
- TTY/TDD:1-800-661-1275
App or online: RBC Mobile app or Online Banking: lock your card.
Report phishing: [email protected]
Know this about Canada
- The debit card code covers transactions you did not authorise. If you sent the money yourself, for example an Interac e-Transfer to a scammer, a refund is at your bank's discretion.
If Royal Bank of Canada won’t help
Canadian Anti-Fraud Centre (CAFC)
National centre for reporting fraud and cybercrime; reports help police investigations, but it does not recover money.
Report online at reportcyberandfraud.canada.ca (you can stay anonymous) or call 1-888-495-8501, Mon–Fri 10am–4:45pm Eastern. Also report to your local police.
Official websiteComplaint to your bank
Formal complaint when your bank refuses a refund or mishandles your fraud claim.
Complain to the bank first, in person, by phone or online. It must give you a detailed written response within 56 calendar days.
Official websiteOBSI (Ombudsman for Banking Services and Investments)
Free, independent body that handles banking complaints your bank has not resolved.
Go to OBSI after 56 days or after the bank's final written response. Toll-free 1-888-451-4519, Toronto area (416) 287-2877, TTY 1-844-358-3442. Its recommendations are not binding on the bank.
Official websiteYour rights as a Royal Bank of Canada customer in Canada
- Canadian Code of Practice for Consumer Debit Card Services. You are not liable for unauthorised debit card losses beyond your control, but you can share the loss if you voluntarily disclosed your PIN or reported late. Your bank must respond to a report of an unauthorised transaction within 10 business days. Source
- Bank complaint timeline. Your bank must give a detailed written response within 56 calendar days. After that, you can take the complaint to OBSI. Source
Report it to the police too
Cybercrime agencies in Canada lists who to report to, and our step-by-step guide covers the rest: How to Report Fraud in Canada (and Get Your Money Back).
Common questions about Royal Bank of Canada fraud
- What is the Royal Bank of Canada fraud helpline number?
- Royal Bank of Canada lists these numbers on its own website: Credit card lost, stolen or fraud (North America): 1-800-769-2512 (24/7); Credit card, from outside North America (collect): 1-514-392-9167 (24/7); Telephone banking: 1-800-769-2511; Online and mobile banking: 1-800-769-2555; TTY/TDD: 1-800-661-1275. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to Royal Bank of Canada?
- Call Royal Bank of Canada's official line, or report it in the app or online: RBC Mobile app or Online Banking: lock your card.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if Royal Bank of Canada will not help or refund me?
- In Canada you can complain to Canadian Anti-Fraud Centre (CAFC), Complaint to your bank, OBSI (Ombudsman for Banking Services and Investments). Details of what each one handles are on this page.
Other providers in Canada
TD Canada TrustBMO Bank of MontrealScotiabankCIBCInterac e-Transfer
These contacts were read on Royal Bank of Canada’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Royal Bank of Canada and cannot recover money. All Canada providers are in Bank Fraud Help: Canada.