CPA Standard 005 • RBC Royal Bank

RBC EFT File Generator & Validator

Programmatically create and verify Canadian Electronic Funds Transfer (EFT) files for RBC Royal Bank in standard 80-byte and 1464-byte record specifications.

100% Client-Side Privacy
Live Syntax & Length Validation
Supports Direct Deposits & PAD Debits
Compatible with RBC Business Online Banking / Wire File Transfer
Disclaimer

This tool is an independent utility provided by Currency Mart Inc. for convenience and is not affiliated with, endorsed by, or sponsored by Royal Bank of Canada (RBC) or any financial institution. It is provided “as is” without warranty of any kind, and file layouts may change without notice. Always confirm your account setup and verify generated or validated files against your financial institution's current official specification before submitting them for processing. Currency Mart Inc. is not responsible for rejected files, transmission errors, or any financial loss arising from use of this tool. All processing happens locally in your browser — no file content is transmitted to or stored on Currency Mart's servers.

1 Choose File Layout Specification
RBC Specs
2 File Header Information (Record A)
3 Batch & Return Account Configuration
4 Payment Details & Recipients
# Payee / Payor Name (max 29) Bank # (3) Transit # (5) Account # (max 12) Amount ($) Cross Ref # (max 19)
0 Payments
$0.00 Total Batch Amount
80-Byte Format
EFT File Ready
1 Select Expected Validation Format
2 Upload or Paste EFT File Content
Drag and drop your RBC EFT file here

Accepts .txt, .eft, or .dat files • Parsed 100% locally in your browser

Validation Report
Line # Record Status Field Name Diagnostic Message
Disbursing Funds to U.S. Vendors or International Suppliers?

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RBC EFT Technical Reference & Guidelines

RBC Processing Centre (Data Centre) Codes

Field 06 of the Record A header. Use the code for the RBC processing centre servicing your account:

  • 00320 — Toronto
  • 00310 — Montreal
  • 00330 — Halifax
  • 00278 — Regina
  • 00370 — Winnipeg
  • 00390 — Calgary
  • 00300 — Vancouver
Canadian Institution ID Structure (9 Digits)

Canadian EFT standard encodes banking routing as 0 + 3-digit Institution + 5-digit Transit:

  • 0003 — Royal Bank of Canada (RBC)
  • 0001 — Bank of Montreal (BMO)
  • 0002 — Scotiabank
  • 0004 — Toronto-Dominion Bank (TD)
  • 0010 — Canadian Imperial Bank of Commerce (CIBC)
RBC-Specific Submission Rules
  • Originator/Client ID is RBC's own 10-digit scheme: a 6-digit client number RBC assigns you, plus a 4-digit subsidiary number (use 0000 if you have no subsidiaries).
  • File Creation # must differ from each of your last 9 submitted files.
  • Payment (due/payable) date can't be more than 173 days in the past or future.
  • Maximum 1,000 logical files per physical transmission.
  • Customer/payee name is mandatory — payments with a blank name are rejected.
Submitting to RBC

Files sent via RBC's Web File Transfer / FTP SSL require a proprietary routing record as the very first line of the transmission (not part of the CPA 005 record itself, and not generated by this tool):

  • $$AA01CPA1464[PROD[NL$$ — 1464-byte format
  • $$AA01CPA1464[PROD[80$$ — 80-byte format

Test files: set the File Creation # field in your submission portal to the literal text TEST (portal-level setting, not this tool). Support: 1-800-ROYAL-35 (1-800-769-2535), or your RBC Sales Manager.

Independent financial utility tool provided by Currency Mart Inc. Not affiliated with or endorsed by Royal Bank of Canada. Self-test: running...