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

RBC Royal Bank, connected through Plaid

When you click Add account in Mozaic and pick RBC, Plaid Link opens a secure, encrypted screen. You enter your RBC client card number and password there, the same credentials you use on RBC online banking, and authorise read-only access. Plaid verifies them with RBC and returns a read-only access token to Mozaic. Mozaic never sees or stores your password. If your RBC profile uses two-step verification, Plaid Link prompts you for the one-time code, the same step you'd get signing in to RBC online. RBC asks for that code on every sign-in, which changes how the account refreshes; see the quirks section below.

With two-step verification on, the sign-in can take a few minutes, because RBC asks for several verification steps inside Plaid's screen. Once access is in place, your accounts appear in Mozaic within a minute and start syncing on a rolling schedule (with two-step verification on, they refresh when you sign in again; details below). Canadian bank connections re-confirm access every few months (roughly ninety days), and Mozaic surfaces the reconnect 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, account locks, the periodic reconnect, and RBC Direct Investing

RBC's two-step verification comes with a catch. RBC asks for a one-time code on every sign-in and never remembers a device, so Plaid can only read your accounts while you are signed in. If you keep two-step verification on (and you should), your RBC accounts connect, but they update only when you tap Refresh from bank in Mozaic and enter a new code. Balances and transactions show the date they were last fetched, so you always know how old the numbers are. With two-step verification off, RBC syncs on the same rolling schedule as the other banks. Mozaic never sees the code either way.

RBC can also lock your online banking profile during the connection, sometimes even when every code you entered was right. If the connection stops with a message that RBC has locked your online banking, sign in at rbc.com or in the RBC app before anything else. If RBC confirms the lock, unlock it with RBC, through its password reset or by calling RBC, then connect from Mozaic once more. Mozaic cannot unlock an RBC profile, so check with RBC before you try again.

RBC Direct Investing accounts are not part of this connection. Direct Investing lives on a separate system inside RBC, so it is its own institution in the connection screen. SnapTrade's catalog doesn't carry it. Plaid does, for holdings and balances, without the transaction history it offers for RBC's banking accounts. Connect it separately and its positions sit beside the rest of your accounts in net worth and goals.

The periodic reconnect 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 window of about ninety days. The reminder lands in-app a few days before access lapses; clicking it walks you through the same Plaid screen 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.