Absolutely! Let's get this done. Setting up your American Express card as a payee with RBC is a straightforward process once you know the steps. No more missed payments or last-minute scrambling!
Let's dive right in and get your American Express card linked up with your RBC account so you can pay it with ease.
Paying Your American Express Card Through RBC Online Banking: A Step-by-Step Guide
This comprehensive guide will walk you through the entire process of adding American Express as a payee in your RBC online banking profile. By the end, you'll be able to make payments quickly and efficiently, directly from your RBC account.
Step 1: Let's Get Started! – Log In to Your RBC Online Banking
Before we do anything else, you'll need to access your RBC online banking portal.
Action: Open your preferred web browser (Chrome, Firefox, Safari, Edge, etc.) and navigate to the official RBC Royal Bank website. Look for the "Sign In" or "Login" button, usually located in the top right corner of the homepage.
Enter your secure credentials:
Client Card Number or Username: Input the 16-digit number from your RBC client card or the username you've set up.
Password: Carefully type in your password. Remember, passwords are case-sensitive!
Having trouble logging in? If you've forgotten your password or username, look for the "Forgot password?" or "Forgot username?" links. RBC has a secure recovery process to help you regain access to your account.
Step 2: Navigate to the "Pay Bills" Section
Once you're successfully logged into your RBC online banking account, you'll see your account overview. Our next stop is the "Pay Bills" section.
Action: Look for a menu option or a prominent button labeled "Pay Bills" or "Payments & Transfers." The exact wording might vary slightly depending on the current RBC online banking interface, but it's usually quite easy to spot. It might be under a broader "Transfers" or "Banking" tab.
Tip: If you can't find it immediately, try using the search bar within RBC Online Banking (if available) and type "Pay Bills."
Step 3: Add a New Payee
Now that we're in the bill payment area, it's time to tell RBC who you want to pay – in this case, American Express!
Action: Within the "Pay Bills" section, you'll need to find the option to add a new payee. This is often labeled:
"Add Payee"
"Add a Bill"
"Register a Payee"
Click on this option to proceed.
Step 4: Search for "American Express"
RBC has a vast database of pre-registered payees, making it easy to find common companies like American Express.
Action: You'll typically be presented with a search bar or a list of categories.
Search Bar Method: In the search bar, type "American Express" or simply "Amex." As you type, suggestions might pop up.
Category Method: If there are categories, look under "Credit Cards," "Financial Services," or a similar grouping.
Important Note: You might see several "American Express" options. Be sure to select the correct one that corresponds to your Amex card. Often, there's a generic "American Express" option for credit card payments. If you have a specific co-branded card (e.g., an Aeroplan Amex), the generic "American Express" option is almost always the correct one for making payments to the card itself.
Step 5: Enter Your American Express Account Number
This is a crucial step! You need to provide RBC with your specific American Express account number so they know which Amex card to pay.
Action: Once you've selected "American Express" as the payee, you will be prompted to enter your American Express account number.
Where to find your Amex account number: Your American Express account number is your 15-digit card number located on the front of your American Express credit card. It's usually embossed or printed clearly. Do not include any spaces or hyphens when entering the number into RBC online banking.
Double-check! Seriously, take a moment to double-check this number. An incorrect account number could lead to your payment being sent to the wrong place or being rejected, causing delays and potential late fees.
Optional Nickname: RBC often allows you to set a nickname for your payee (e.g., "My Amex Card," "Amex Platinum"). This is purely for your convenience and helps you quickly identify the payee in your list. It's highly recommended for clarity, especially if you have multiple credit cards.
After entering the account number and any optional nickname, click "Continue" or "Next."
Step 6: Verify and Confirm the Payee Details
RBC will typically present you with a summary of the payee you're about to add. This is your last chance to ensure everything is correct before finalizing.
Action: Review the details carefully:
Payee Name: "American Express"
Account Number: Confirm that the 15-digit number matches your Amex card exactly.
Nickname (if applicable): Ensure it's what you intended.
If all the information looks correct, click "Confirm" or "Add Payee."
Step 7: Pay Your American Express Bill!
Congratulations! American Express is now successfully added as a payee to your RBC online banking. Now you can make a payment.
Action: After confirming, you'll usually be redirected to a page where you can initiate a payment immediately or go back to your list of payees.
To Make a Payment:
Select "American Express" from your list of registered payees.
Choose the RBC account you wish to pay from (e.g., your Chequing or Savings account).
Enter the amount you wish to pay.
Select the payment date. You can often set up a one-time payment or schedule a recurring payment.
Click "Continue" or "Pay."
Review the payment details one last time on the confirmation screen, and then click "Confirm" to finalize the payment.
Payment Confirmation: RBC will provide you with a confirmation number for your payment. It's a good idea to save this number in case you need to inquire about the payment later. You'll also typically see the payment reflected in your transaction history.
Processing Time: While payments are usually processed quickly, it can take 1-3 business days for the payment to be reflected on your American Express statement. Plan your payments accordingly to avoid late fees.
10 Related FAQ Questions
Here are some common questions you might have about paying your American Express bill through RBC, along with quick answers.
How to Find my American Express account number for RBC?
Your American Express account number is the 15-digit number printed on the front of your physical American Express credit card.
How to Add multiple American Express cards to RBC as payees?
You can add each of your American Express cards as separate payees in RBC online banking. Just repeat the process, ensuring you use the correct 15-digit card number for each individual card. It's highly recommended to use distinct nicknames for each (e.g., "Amex Gold," "Amex Aeroplan").
How to Set up recurring payments for American Express through RBC?
Yes, when you're making a payment in RBC online banking, you'll typically have an option to set it as a recurring payment. You can choose the frequency (e.g., monthly) and the date.
How to Check if my American Express payment went through from RBC?
After making a payment, check your RBC transaction history for the debit. You can also log into your American Express online account after 1-3 business days to see if the payment has been credited.
How to Change the amount of a scheduled American Express payment in RBC?
If the payment hasn't been processed yet, you can usually edit or delete scheduled payments in the "Scheduled Payments" or "Pending Payments" section of your RBC online banking.
How to Delete American Express as a payee from RBC?
In the "Pay Bills" or "Manage Payees" section of RBC online banking, there's usually an option to "Delete Payee" or "Remove Payee." Select American Express and follow the prompts to remove it.
How to Pay my American Express card from the RBC Mobile App?
The process is very similar to online banking. Open the RBC Mobile App, sign in, go to "Pay Bills" or "Payments," and then select or add American Express as a payee.
How to Avoid late fees when paying American Express from RBC?
Always make your payment a few business days before your American Express due date to account for processing time (typically 1-3 business days). Schedule payments in advance if possible.
How to Find my RBC Client Card number?
Your RBC Client Card number is the 16-digit number located on the front of your RBC debit card (also known as your client card or ATM card).
How to Contact RBC customer service for help with bill payments?
If you're still having trouble, you can contact RBC customer service directly. Their contact information (phone numbers, online chat) is usually available in the "Contact Us" or "Help" section of the RBC website or mobile app.
