RBC Express Mobile for Business: iOS & Android App
RBC Express Mobile for Business is the commercial banking app that approves wires from a boarding gate, deposits cheques from a client meeting, views intraday balances from an airport lounge and clears EFT batches from a ski lift. iOS 16 and higher. Android 10 and higher. Biometric sign-in with Face ID, Touch ID and Android BiometricPrompt. Full parity with the desktop RBC Express portal.
The CFO who initiates a $18M real estate closing wire on the desktop can approve from her iPhone twenty minutes later. The AP manager who releases EFT batches at 3pm can pull back an erroneous entry from the Android app at 4:30pm. Dual-control is enforced the same way on mobile as on the web — RBC Express Mobile for Business is the portal, compressed to pocket size.
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What RBC Express Mobile for Business Does
Full parity with the desktop portal, optimised for touch and biometric authentication. No feature sits desktop-only — the mobile build is not a second-class surface.
Approve Wires & EFT
RBC Express Mobile for Business Approvers tap a push notification, review the transaction details, complete biometric authentication, enter the RBC Secure Key code and release. Domestic Lynx wires, SWIFT international, EFT batches, FX contracts — all approvable from mobile. Dual-control thresholds enforce identically on web and app.
Mobile Cheque Deposit
Point the camera at a cheque. RBC Express Mobile for Business captures front and back, extracts MICR data, and submits the deposit. Funds availability follows the standard RBC business deposit policy. Deposit limit per item and per day is configurable through user management at the RBC Express level.
Interac e-Transfer for Business
Send and receive Interac e-Transfer for Business payments up to the configured business limit directly from RBC Express Mobile for Business. Attach invoice reference. Request payment from a client. Receive payment into the designated RBC Express chequing account with real-time posting and notification.
Balance & Alerts
Real-time balances, intraday refresh every 15 minutes, prior-day ledger. Push alerts on balance thresholds, large debits, wire approvals, EFT return items and FX rate triggers. RBC Express Mobile for Business alerts mirror the desktop alert configuration — set once, receive everywhere.
Offline Read-Only
When the mobile network drops, RBC Express Mobile for Business serves the last-refreshed balance and recent transaction list from the encrypted local cache — read-only. As soon as connectivity returns the app reconciles. No sensitive data leaves the device unencrypted, per OSFI B-13 technology risk guidance.
Reports on Mobile
View transaction reports and custom reports on-device. Full drill-down on line items. Export to email as PDF from the app share sheet. Formatting preserved. The RBC Express Mobile for Business reporting lane is the same engine as the desktop.
Feature Parity Matrix
Six features most commercial admins actually use daily — and how they render across iOS, Android and the desktop RBC Express portal.
| Feature | iOS | Android | Web Parity |
|---|---|---|---|
| Approve Wires & EFT | Yes (Face ID) | Yes (BiometricPrompt) | Full |
| Mobile Cheque Deposit | Yes | Yes | Mobile-only |
| Interac e-Transfer for Business | Yes | Yes | Full |
| Balance & Alerts | Yes (push) | Yes (push) | Full |
| Offline Read-Only | Yes | Yes | N/A |
| Reports (view + share) | Yes | Yes | Full |
Biometric Sign-In on RBC Express Mobile for Business
Face ID. Touch ID. Android BiometricPrompt. The RBC Secure Key second factor. Same standard as desktop, faster on the phone.
iOS Biometrics
On iPhone and iPad, RBC Express Mobile for Business uses Face ID on Face ID-capable devices and Touch ID on Touch ID-capable devices. The biometric check runs inside the Apple Secure Enclave — RBC never receives the biometric template, only the authentication result. Initial activation still requires Client Card, Service Card, password and Secure Key challenge.
Android Biometrics
On Android 10 and higher, RBC Express Mobile for Business uses the BiometricPrompt API to reach the system-provided fingerprint or face authentication. Device hardware varies — BiometricPrompt abstracts the mechanism. Biometric material stays on-device in the Trusted Execution Environment. Android BiometricPrompt class 3 (strong) is required for payment approval actions.
Platform Profile
- RBC Express Mobile for Business = iOS 16+ on iPhone/iPad and Android 10+ on Google-certified devices.
- Full feature parity with desktop — approve wires and EFT, deposit cheques, view balances, push alerts.
- Biometric sign-in with Face ID, Touch ID and Android BiometricPrompt class 3 (strong).
- Offline read-only mode from encrypted on-device cache when connectivity drops.
- Accessibility to WCAG 2.2 AA with VoiceOver and TalkBack support on every interactive element.
Accessibility: WCAG 2.2 AA
RBC Express Mobile for Business is built for commercial users of all abilities.
Every interactive element carries an accessibility label. Dynamic Type on iOS and system font scaling on Android honour the user's preference without clipping critical information. Colour contrast exceeds 4.5:1 on body text and 3:1 on large text. VoiceOver and TalkBack screen readers traverse the RBC Express Mobile for Business interface in logical order. Haptic feedback confirms approval actions. Voice-over walkthroughs for complex flows (initial activation, Secure Key binding, cheque deposit) are available from the RBC Express Service Centre at 1-800-769-2555.