Category: Rates

     

    Royal bank visa us exchange rate


    royal bank visa us exchange rate

    Minnesota and Wisconsin Credit Union | Financial Services Provider. 1 USD = 1.2244 CAD* Xoom rounds to the nearest 0.05 Canadian dollar Make bank deposits to all banks, including TD Canada Trust and Royal Bank of. As of the latest update to this document, the Canadian dollar (CAD) is at a low level compared to the US$ (USD). Given this situation, should you convert some.
    royal bank visa us exchange rate

    RBC returns money to customers after discovering long-running foreign exchange error

    Royal Bank of Canada is refunding money to nearly 60,000 personal banking clients after finding an error in the way it calculated some foreign exchange transactions for more than a decade.

    The bank said it discovered the error in an internal review of retail banking transactions. From Aug. 1, 2009, until Feb. 8, 2020, the foreign exchange conversion rates used to calculate some foreign currency transactions were incorrect, which had the effect of overcharging clients.

    RBC has corrected the error, spokesperson Edith Galinaitis said, and the bank has contacted customers who were affected, providing “a full credit with interest, and impacted clients have now been made whole.” Ms. Galinaitis declined to provide the total amount refunded to clients, but it is not believed to be financially material to the bank.

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    Early last week, RBC mailed letters to clients about what it described as a “system error” and promised to refund the difference in rates, plus interest of 1.5 per cent a year. The letters said refunds would be deposited in clients’ accounts after July 10. Copies of two letters reviewed by The Globe and Mail promised refunds of a few hundred dollars or less, depending on each client’s past transactions.

    Ms. Galinaitis said the error “was not deemed to be a regulatory issue” and that the bank did not notify the relevant regulator, the Financial Consumer Agency of Canada, which is in charge of ensuring that federally regulated banks comply with consumer protection measures.

    FCAC spokesperson Lynne Santerre said banks are required to disclose conversion rates for foreign currency to customers and how those rates are determined and applied. When a bank does not comply, “FCAC may conduct an investigation and respond with the appropriate measure to ensure compliance,” she said.

    Last year, RBC and Toronto-Dominion Bank paid nearly $23-million in penalties as part of settlements with the Ontario Securities Commission, a provincial regulator, over compliance failures in the banks’ foreign exchange trading businesses. In hundreds of instances from 2011 to 2013, traders at the two banks disclosed confidential transaction details, allowing them to gain a potentially unfair advantage in the market.

    But those traders worked in the banks’ capital markets arms, which are separate from the retail banking operations that how to close your bank of america account most foreign exchange transactions for personal banking clients.

    Your time is valuable. Have the Top Business Headlines newsletter conveniently delivered to your inbox in the morning or evening. Sign up today.

    Источник: https://www.theglobeandmail.com/business/article-rbc-returns-money-to-customers-after-discovering-long-running-foreign/

    Debit & Gift Cards

    Royal Bank Visa® Debit Cards

    Royal Bank Visa® debit cards are a quick and easy way to royal bank visa us exchange rate the funds in your checking account. They are accepted at all merchants that accept Visa® and can be used in place of writing a check. As an added bonus, you can choose your debit card graphics from Royal Bank's available designs.

    • Good for cash at over 1 million ATMs worldwide
    • Maximum daily limit at merchants is your account balance
    • Minimum monthly $1 fee
    • No monthly bills

    To help mitigate fraud, Royal Bank debit cards cannot be used for international purchases online.

     

    VISA Purchase Alerts

     

    Know where your money is going with real-time VISA Purchase Alerts for your Royal Bank Debit Card purchases! Alerts are sent to your phone or email based on the criteria you set during enrollment. Enroll in three easy steps:

    • Step 1: Check eligibility
    • Step 2: Register your cell phone and email
    • Step 3: Choose which notifications are right for you

    Click Here to get started today!

     


    EMV Debit Cards

    A Royal Bank EMV Debit Card provides added security and peace of mind when using your debit card.

    Click Here to view a short video on what to expect and what makes these cards more secure!

    How are EMV cards more secure?
    EMV cards are embedded with a visible microchip that essentially scrambles each point-of-sale transaction, so each transaction has a unique identifier. This makes it nearly impossible for a criminal to use transaction information from a merchant for fraudulent activity.

     

    How do I use my EMV Debit Card?

    Simply insert cit bank rates savings EMV debit card into the EMV card terminal, enter your PIN or sign for the transaction and remove your card when the terminal indicates that the transaction is complete.

    Can I still swipe my card?
    Yes, you can still swipe your card at the payment terminal; however, if the payment terminal you're using is EMV ready, it will prompt you to insert your card in the EMV card slot.

    If you have additional questions about EMV, please contact us.


    Lost or Stolen Debit Card

    If your debit card has been lost or stolen, please contact Royal Bank during regular business hours at 800.873.1406. If you discover your card is lost or stolen after regular business hours, please contact the Lost & Stolen Service Center at 800.528.2273 and follow the voice prompts to deactivate your card. Please contact Royal Bank the following business day so that your checking account can be monitored and a new debit card can be ordered.

    Card Alert Notification

    Your debit card transactions are continually monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations or purchase patterns that are consistent with previously identified fraudulent activity trends.  

    With all fraud, time is of the essence. That's why our payment processing company, FIS, offers a convenient & free Card Alert Notification Service. You will receive a text message asking you to confirm whether a suspicious transaction was authorized. All you need to do to sign up is make sure we have your cell phone number!

    • Text messages will arrive with a five digit code (33748), the name "Royal Bank", the dollar amount of the transaction and the merchant name.
      • If you authorized the transaction, reply "yes". You will receive a confirmation text and can continue using your debit card.
      • If you did not authorize the transaction, reply "no". You will receive a confirmation text and an immediate call from a fraud specialist. Please answer this important call.
    • As with any form of electronic communication, (phone, email, text) do not reply royal bank visa us exchange rate the text message with any personal or confidential card information.
    • If you would like to opt out of receiving these messages by text, you may reply "stop" to royal bank visa us exchange rate this preference.

    Updating Your Information

    To help us protect you, please remember the following:

    • Keep us up-to-date with your current mobile and home phone numbers and other pertinent contact information, such as email address.
    • If you will be traveling in the U.S. or to a foreign country for an extended period of time, contact us prior to your departure so we can make monitoring more flexible during your travel time.

     

     

    Royal Bank Visa® Gift Cards

    Gift cards are the perfect solution for people who want the convenience of a card with the simplicity of cash and they also make great gifts! Cards can be loaded with amounts ranging from $10 to $500 and do not expire. Gift cards can be used wherever Visa® is accepted, including online and over the telephone.

    • Graduation, birthday or special occasion gifts.
    • Thank you for friends, family and co-workers.
    • Secure online purchases without using your personal information.

    Prior to using your card, you should register by calling 800.486.0292. Registering your card also allows you to activate text and email alerts royal bank visa us exchange rate notify you when your card balance is low. You can also create a free online account at www.convenientcards.com.

    For customer service support or to report a lost or stolen card, call 800.486.0292 and have your gift card number available. It is recommended that you keep a record of your gift card numbers in the event the card is lost/stolen/damaged.

    Gift cards cannot be used to withdraw cash.

    Источник: https://www.royalbank-usa.com/debit-gift-cards.asp

    RBS does U-turn on inflated overseas credit card charges

    Royal Bank of Scotland has bowed to pressure and is bringing its overseas credit card charges into line with other providers, following a Guardian investigation.

    In December, we revealed how millions of customers were being hit with unexpected costs when using their plastic abroad, as RBS and its NatWest division had, along with Tesco, quietly started using their own exchange rates to convert overseas purchases into sterling. Their rates were much worse than the standard Visa and MasterCard rates used by rival cards.

    Now the state-owned bank has said that following customer feedback, it is changing the system from 1 July. The move should mean lower bills for customers using their cards overseas this summer.

    Its decision to abandon the controversial policy comes three months after Tesco backed down "in response to customer feedback and to improve transparency".

    The vast majority of UK credit card providers use the Visa and MasterCard exchange rates, which are very close to the wholesale market rates and therefore tend to be quite favourable. The bank or card company then adds its commission fee. But in early 2008, RBS/NatWest changed its cards' terms, allowing it to use an exchange rate "determined by us".

    At the time of our original article, we could not find any clear information about the change on the bank's websites. The only way you could check the rates was by ringing up. By contrast, Visa and MasterCard publish their exchange rates online.

    Our research suggested that in many cases Tesco and RBS were imposing an extra mark-up of about 2% or more on top of the published 2.75% foreign exchange fee. Based on a €200 (£167 at the time) purchase, this translated into an extra £4 on top of what someone would pay if they used a rival card.

    RBS said it was committed to making information about its products as simple and accessible as possible, and to addressing the root causes of customer complaints.

    A spokeswoman royal bank visa us exchange rate "As part of this, earlier in the year we provided extra information on our website about how foreign transactions for credit cards are converted. However, it was clear from feedback that customers wanted a more standardised approach to how these rates are calculated, and one that was easier for them to understand.

    "As a result we are changing the system, so that from 1 July, rates for converting overseas credit card transactions into sterling will be set in line with the standard Visa and MasterCard scheme rates."

    Источник: https://www.theguardian.com/money/2011/may/18/rbs-inflated-credit-card-charges

    The Best US Dollar Bank Accounts Available to Canadians

    Best Canadian USD Account?


    Stay up-to-date on Canadian personal finance! Follow us on Facebook or Twitter.


    If you spend USD with a Canadian credit card or bank account, you may not realize you are charged an additional foreign transaction fee with every transaction (usually about 2.5%). Additionally, if you receive a USD payment to a Canadian account, you will be charged a similar fee to convert it to Canadian Dollars.

    How do you avoid this fee? Well, I actually recommend two different approaches depending on your situation:

    1) If you regularly shop in the States but don't need to receive USD, I actually recommend a credit card with no foreign transaction fees. These cards are rare in Canada but will ensure that no matter where you are in the world you can avoid that pesky 2.5% the majority of credit cards charge.

    2) If you need to receive payments in USD or simply want to hold US Dollars instead of Canadian in your account, I would recommend you get a US Dollar bank account, and this article should help you find your ideal USD bank account! If you are looking to transfer USD to CAD (or vice versa) and get a better conversion rate than the banks, I recommend TransferWise.


    Canadian USD Accounts vs. US Bank Accounts

    Best Overall USD Account in Canada

    Other Options for USD Accounts in Canada

    Best US Bank Account Available to Canadians


    Check out one of our favorite Savings Accounts:


    Savings Plus Account

    Canadian USD Accounts vs. US Bank Accounts

    All the major banks in Canada have USD accounts available to Canadians, however, it is important to note that four Canadian banks - RBC (RBC Bank), CIBC (CIBC U.S.), TD (TD Bank), and BMO (BMO Harris) have a presence in the states, and will allow you to open up an American chequing or savings account. These differ from how to close your bank of america account Canadian USD accounts as they operate out of the states and are often rather disconnected from your Canadian bank account (i.e. more complex to open or harder to transfer money). But, if you need to withdraw from American ATMs or visit bank how does premier financial services work while in the states, these are the accounts you want. For everyone else just wanting to receive or store USD, I recommend against these accounts and instead recommend you go with a USD account based in Canada.


    Best Overall USD Account in Canada

    For most Canadians just looking to receive occasional payments in USD, I recommend the Tangerine US Dollar Savings Account. It has no monthly fee or minimum balance, and even features the highest available interest rate at 0.20%. They publicly post the exchange rates on their website for easy access and comparison. But if you are looking to transfer USD to CAD (or vice versa) and get the best conversion rate, I recommend TransferWise.


    The Scotiabank Passport Visa Infinite Card hasNo Foreign Transaction Fees! Check it out:


    Other Options for USD Accounts in Canada

    Here is the table we created that we used to compare all USD Accounts in Canada.


    AccountMonthly FeesTransactionsInterest Rate
    BMO U.S. Dollar Premium Rate$0Based on Your Banking Plan0.05%
    CIBC US$ Personal Account$0$0.75 Each0.05%
    National Bank USD Progress Account$0Cost Varies0-0.10%
    RBC U.S. High Interest eSavings$01 Per Month ($3 Each After)0.05%
    Scotiabank US Dollar Daily Interest Account$1/month or $200 Minimum2 Per Month ($1.25 Each After)0-0.15%
    Tangerine US Dollar Savings Account$0Unlimited0.10%
    TD Borderless Plan$4.95/month or $3,000 MinimumUnlimited0%
    TD U.S. Daily Interest Chequing Account$0$1.25 Each0.01%

    Best US Bank Account Available to Canadians

    If you live or work in the United States for at least part of the year, it'll likely make your life easier to get a US Bank Account. I personally recommend that if a bank you already deal with has US presence (i.e. BMO, TD, CIBC, or RBC), then generally it will be more straightforward to get royal bank visa us exchange rate US bank account with them. However, if I had to choose one account it would be the TD Bank Convenience Checkingaccount. There is no account fee with a minimum balance of just $100 USD (otherwise it's $15/month). Additionally, there are no ATM fees at TD ATMs, which are scattered across the east coast. If you are looking for a more complete ATM network, check out the RBC Bankaccounts, or BMO Harris which are a part of the AllPoint ATM Network (Which has over 30,000 ATMs across the US).


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    WalletWise may earn a commission from the Links throughout this article. This comission allows us continue to run the site, so we appreciate your support. We still do our absolute best to be transparent and honest with all the content throughout our site.
    Источник: https://walletwise.ca/best-usd-account-canada/

    Special Offer for RBC Investment Advantage (IA) Clients

    Premium Cross-Border Banking Bundle1

    Get This U.S. Bundle

    Save $50 USD on your Premium Cross-border Bundle2

    Travelling south of the border? Open a U.S. – based Premium Cross-border Bundle and get a $50 USD refund on the first 12 months’ fee2. Here are some reasons why Canadians love premium cross-border banking with RBC Bank:

    • Preferred foreign exchange rates – one of the best RBC offers.

    • Free, unlimited transfers3 and instant exchange between your Canadian and U.S. RBC bank accounts.

    • Free access6 to royal bank visa us exchange rate 50,000 ATMs nationwide.

    • Make U.S. purchases with no foreign transaction fees4.

    • We use your Canadian credit history to help you qualify, plus no U.S. address is required.

    How to Get This Offer

    Premium Cross-Border Banking Bundle

    Visa Signature Black
    U.S. Credit Card

    Annual Fee: $05    
    Additional Card: $0
    Purchase Rate: Low Introductory APR

    • Avoid currency fluctuations.

    • Pay in USD.

    • Earn 1 RBC Rewards point on every $1 you spend7.

    • Redeem for travel, gift cards, merchandise or 1.00% cash back5,7.

    • Enjoy built-in insurance coverage that protects your travels, purchases and more when you use your card to pay8. More insurance details.

    More About This Card

    • Travel with your choice of any airline, any flight, any time when you redeem. No blackout periods or seat restrictions.

    • Get emergency cash and card replacement.

    • Visa’s Zero Liability Policy9 protects you against unauthorized use.

    RBC Bank Premium Checking
    U.S. Bank Account

    Annual Fee:
    $99.50 with eStatements

    • Preferred foreign exchange rate.

    • Unlimited transactions.

    • Free and instant CAD <> USD exchange and transfers between your RBC Royal Bank (Canadian) and RBC Bank (U.S.) accounts3

    • Get cash with your RBC Bank Visa Debit card at over 50,000 no-fee6 ATMs across the U.S.

    More About This Account

    • Deposit U.S. checks using your smartphone or tablet.

    • No minimum balance.

    • Free ID theft recovery service.

    Get The Bundle and a $50 Refund2

    When you open an RBC Bank Premium Checking account and apply for any RBC Bank U.S. credit card.

    Get This U.S. Bundle

    Other Ways to
    Apply:

    1-855-723-9413

    To Get This Offer
    Mention Promo Code

    IAA2019

    RBC Bank, Equal Housing Lender Equal Housing LenderMember FDIC.

    RBC Bank is RBC Bank (Georgia), National Association (“RBC Bank”), a wholly owned U.S. banking subsidiary of Royal Bank of Canada. RBC Bank is a member of the U.S. Federal Deposit Insurance Corporation (“FDIC”). U.S. deposit accounts are insured by the Royal bank visa us exchange rate up to the maximum amount permissible by law. U.S. deposit accounts are not insured by the Canada Deposit Insurance Corporation (“CDIC”). U.S. banking products and services are offered and provided by RBC Bank. Canadian banking products and services are offered and provided by Royal Bank of Canada. All deposit accounts, loans and lines of credit are approved by RBC Bank. RBC Bank - 8081 Arco Corporate Dr, Suite 400. Raleigh, NC 27617. www.rbcbank.com

    1)

    All loans and lines of credit are subject to approval. Additional credit card transaction fees will apply as follows: Balance Transfers -Either $10 or 3% of the amount of each transfer, whichever is greater (after the end of the introductory period, the maximum fee is $99). The Balance Transfer fee has no maximum during the introductory period (first 6 monthly billing cycles); thereafter, this fee will be a maximum of $99 per Balance Transfer. Cash Advances - Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. Foreign Transaction Fee - 1.5% of the U.S. Dollar amount of the foreign transaction if the transaction is conducted in foreign currency. Late Payment Fee- up to $35. Returned Payment Fee - up to $35. Annual Fee Visa Signature Black Plus - $75. Annual Percentage Rate is 13.24% to 19.99% for Visa Platinum and Visa Signature Accounts based on your credit worthiness. This APR will vary with the market based on the Prime Rate. Prime Rate: As published in the Wall Street Journal; current rate is 3.25% as of April 1, 2020.

    2)

    The RBC Bank Premium Cross-Border bundle offer of a $50USD rebate in your new RBC Bank U.S. Premium Checking ("Premium Checking") account ("Offer") is available for new and existing RBC Investment Advantage (IA) clients. Offer is available between September 27, 2021 to November 20, 2021 ("Offer Period"). To be eligible for the Offer, the RBC IA client must also be a new RBC Bank client, defined as an individual who has not been a primary or secondary accountholder on any RBC Bank U.S. Premium Checking account for the 18 months prior to the start of the Offer Period. To qualify, the RBC IA client must open a new Premium Checking account and apply for any RBC Bank U.S. credit card using promo code "IAA2019" by the end of the Offer Period. The Premium Checking account and credit card application must be submitted on the same day and have the same accountholder(s) on both accounts. Premium Checking account must be funded according to the Personal Schedule of Fees. All other checking account fees apply. Employees of Royal Bank of Canada do not qualify for this offer. Offer fulfillment: RBC Bank will refund $50 USD into your Premium Checking account within 30 days of account opening. All RBC Bank accounts must be in good standing at the time the individual refund is applied. Offer cannot be combined with any other offers. Offer may be amended or withdrawn at any time.

    3)

    Standard account charges may apply. Maximum transaction limits may apply and are subject to change. Availability of the money will depend on the time when it is sent from Royal Bank of Canada or RBC Bank. Transaction may not appear on your RBC Bank account transaction history until the following day but will reflect the date of transfer.

    4)

    While there are no foreign transaction fees for purchases in the U.S. or in USD, there are foreign transaction fees for purchases conducted in foreign currency. RBC Bank Foreign Transactions: RBC Bank Signature Black/Signature Black Plus credit cards: 1.5% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency. RBC Bank Platinum Rewards credit card: 3% of the U.S. dollar amount of the transaction if the transaction is conducted in a foreign currency.

    5)

    1.00% cash back from the RBC Bank Visa Signature Black/Visa Platinum Rewards credit cards and 1.25% cash back from the RBC Bank Visa Signature Black Plus credit card can only be redeemed with RBC Rewards Points.

    6)

    There is no fee associated with accessing these ATMs but standard account charges and transaction limitations will apply. If you access ATMs other than those identified in our ATM locator (www.rbcbank.com/atms) fees may apply. During the process, you will be notified of the fee and will be required to accept the fee if you desire to complete the transaction. For fee information, refer to the Personal Schedule of Fees for details.

    8)

    All insurance is subject to limitations and exclusions. Insurance products are offered by Visa and are not insured by the FDIC or any federal government agency and are not a deposit or other obligation of, or guaranteed by, any bank or bank affiliate.

    9)

    Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to commercial credit cards, ATM transactions, or PIN transactions not processed by Visa. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.rbc.com/security.

    10)

    Prime Rate: As published in the Wall Street Journal; current rate is 3.25% as of April 1, 2020.

    Источник: http://www.rbcroyalbank.com/dms/cross-border-banking/iaa-or.html

    U.S. Dollar Credit Cards

    Why consider a U.S. dollar credit card?

    As we mentioned, you can definitely use a Canadian credit card in the U.S. The problem is, every time you use a Canadian dollar credit card for a U.S. dollar purchase, you will be charged a foreign currency conversion fee, which is typically 2.50% of the transaction’s value. This isn’t a huge problem if you only visit the U.S. once every few years, but for more regular visitors it can add up quickly.

    There are a few scenarios in which you might want to think about getting a U.S. dollar credit card:

    • If you often purchase items from online retailers based in the U.S. You can avoid the currency conversion fees by making your purchases with a U.S. dollar credit card.
    • If you do a large amount of cross-border shopping. This is another example where a U.S. card can help save you money (which is the point of shopping down there anyway, right?).
    • Finally, if you often travel to the U.S. for business, or if you have a vacation home in the U.S. In either case, you will constantly be incurring expenses – and they won’t be cheap. You can avoid hefty conversion fees by using a U.S. dollar credit card.

    It also helps if you already have a source of income or funds in U.S. dollars. If you put that in a U.S. dollar chequing account, you can then pay off your U.S. credit card without ever having to do a currency conversion.

     

    Two types of U.S. dollar credit cards

    Now, there are two different kinds of U.S. dollar credit cards. The first is issued by American banks and falls under U.S. banking regulations. Some American credit card providers, such as Chase, TD Bank 1 and Capital One, allow Canadians to apply for U.S. credit cards even though they don’t live in the U.S. Others, like Wells Fargo, Bank of America and Citi Bank, do not permit Canadians to obtain a card without a U.S. address.

    The second type of U.S. card is issued by a Canadian bank and is dominated in U.S. dollars. Assuming you live in Canada, this is the simpler option of the two.

    Case study: Snowbirds in Florida

    Gary and Elizabeth are both retired and spend four months of every year at their home in Florida. Between the two of them, they usually make $20,000 USD of purchases during those 4 months. To date, they have been using a Canadian credit card for all purchases, but are considering getting a U.S. dollar credit card to save on the 2.50% foreign currency conversion fee it comes with. How much per year would John and Elizabeth save by using a U.S. dollar credit card?

    If the Canadian dollar stayed at $0.90 USD per $1 CAD, how much would they spend in CAD in those 4 months?

    Spending in USD / Exchange Rate = Spending in CAD

    $20,000 USD ÷ $0.90 CAD=

    On top of that initial currency exchange, how much would the couple then spend on currency conversion fees?

    Spending in CAD x Credit Card Currency Conversion Rate = Currency Conversion Fees

    Each year, Gary and Elizabeth would spend $555.55 CAD on currency conversion fees. If they switched to a U.S. dollar credit card, instead, they would immediately save these costs.

     

    Is it worth it?

    Whether a U.S. dollar credit card is right for you largely depends on how often you make purchases in the U.S. If you only do so occasionally, it may not be worth the annual fee on a card (for example, RBC’s U.S. Dollar Visa Gold Card costs $65 USD per year). If you regularly spend time and money in the U.S., however, a U.S. dollar credit card is something worth considering.

    As a general rule, if you spend less than $3,000 USD per year on a Canadian credit card, it’s probably not worth paying the annual fee for a U.S. dollar credit card. At this level of spending, the currency conversion charge of 2.50% will only amount to $75 USD, so it may not be worth the hassle to spend almost all of the savings on royal bank visa us exchange rate annual fee. But if you spend significantly more than $3,000 USD, definitely consider adding one to your wallet.

     

    References and Notes

    Источник: https://www.ratehub.ca/credit-cards/us-dollar-credit-cards

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