Connect RBC to Mozaic — see your RBC accounts alongside everything else.

RBC Royal Bank, via Plaid's OAuth integration

RBC is one of the Canadian banks that supports Plaid's modern OAuth flow. When you click Add account in Mozaic and pick RBC, you're handed off to an RBC-hosted popup running on rbcroyalbank.com. You sign in with your client card number and password the same way you would on RBC's own site, complete two-step verification if you have it enabled, and authorise the connection. Plaid receives a read-only access token back from RBC and forwards it to Mozaic — your credentials never leave RBC's domain.

The whole exchange takes about ninety seconds. Once the token is in place, your accounts appear in Mozaic within a minute and start syncing on a rolling schedule. The OAuth token RBC issues is good for roughly ninety days before it asks you to sign in again to refresh consent; Mozaic surfaces the reauth prompt directly in the app so you don't discover a broken connection two weeks later.

Chequing, savings, credit cards, mortgages — all of it

Mozaic reads every product RBC exposes through the Plaid integration. That covers the deposit side — Day-to-Day, Signature No Limit, Advantage, RBC High Interest eSavings, US$ Personal Account, and the RRSP / TFSA / FHSA cash savings buckets — and the credit side — Avion, Cash Back, ION, WestJet, the various Visa and Mastercard variants, plus personal lines of credit and student lines. Liability accounts (mortgage, home equity line of credit) come through as negative balances with the current rate attached, so your net worth includes principal-paid progress automatically.

Each account keeps its own currency. A US$ Personal Account stays in USD and is converted to your reporting currency on the fly using the same daily rate Mozaic uses elsewhere — you don't end up with a US account that pretends to be Canadian or rounded to two decimals at the wrong moment.

Two-step verification, the 90-day refresh, and RBC Direct Investing

RBC's two-step verification prompt is the one place the connection flow can feel slow. If you have it enabled (and you should), RBC's OAuth popup asks for the SMS or email code mid-sign-in. Mozaic doesn't see the code, doesn't store the code, and doesn't intermediate it — the prompt is part of RBC's own page. Once you clear it, the rest of the handoff is instant.

RBC Direct Investing accounts are not part of this connection — and not part of any automated connection today. Direct Investing lives on a separate system inside RBC, and neither Plaid nor SnapTrade currently exposes it for read-only data sync. If you hold positions at RBC Direct Investing you can still track them in Mozaic as manual assets — balances, holdings, and notes you update on your own cadence — so they sit beside the rest of your accounts in net worth and goals. The day brokerage coverage opens up we'll surface a one-click upgrade from the manual entry to the API-driven sync.

The 90-day reauth is RBC's choice, not Mozaic's. PIPEDA and OSFI guidance leans on time-bounded consent for third-party data access, and the major Canadian banks have converged on a ninety-day window. The reminder lands in-app a few days before the token expires; clicking it walks you through the same Plaid + RBC popup you saw the first time, just shorter.

RBC sits in a bigger picture once it's connected

The point of connecting RBC isn't to see your RBC balance — RBC Online Banking does that already. The point is to see RBC alongside everything else: your Wealthsimple Trade TFSA, your Questrade margin, your spouse's BMO chequing if you share households, and the credit cards you keep at a different bank for the cashback bonus. Mozaic composes them into one net-worth line in your reporting currency of choice, runs the cash-flow narrative across the whole picture, and tracks goals (down payment, RRSP contribution room, FHSA timeline) against the accounts that actually fund them.

The institution is just the start of the story — the rest of the story is what your money is doing across institutions. RBC happens to be the largest Canadian bank by deposits, so for a lot of Canadians it's the anchor account; Mozaic treats it that way without making the other accounts feel like an afterthought.