SWIFT Code ROYCCAT2 — ROYAL BANK OF CANADA, TORONTO

About SWIFT Code ROYCCAT2 — ROYAL BANK OF CANADA, TORONTO

SWIFT code ROYCCAT2 is the official 8-character head-office BIC (Bank Identifier Code) for ROYAL BANK OF CANADA in TORONTO, Canada. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by ROYAL BANK OF CANADA for all outward international remittances from TORONTO. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code ROYCCAT2

The code ROYCCAT2 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code ROYCCAT2

Receiving International Wire Transfers

To receive money from abroad at your ROYAL BANK OF CANADA account in TORONTO, share SWIFT code ROYCCAT2 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at ROYAL BANK OF CANADA, TORONTO must provide SWIFT code ROYCCAT2. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using ROYAL BANK OF CANADA in TORONTO rely on SWIFT code ROYCCAT2 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for ROYAL BANK OF CANADA →

For cheque clearing or NACH mandates, use the MICR code for ROYAL BANK OF CANADA →

For TDS challan deposits, find the BSR code for ROYAL BANK OF CANADA →

How SWIFT Code ROYCCAT2 Routes an International Transfer

1. Initiation: The sender provides SWIFT code ROYCCAT2 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to ROYAL BANK OF CANADA.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: ROYAL BANK OF CANADA receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code ROYCCAT2

• Spaces or lowercase letters — Always enter ROYCCAT2 uppercase with no spaces.
• Using the wrong city — This code is for TORONTO only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Canada.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm ROYCCAT2 directly with ROYAL BANK OF CANADA's TORONTO branch or via the SWIFT BIC Directory.