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Last Verified: April 10, 2026
Confidence Level: High

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Overview

Royal Bank of Canada allows you to grant access to your accounts by creating a User. This is done through RBC PayEdge / RBC Express, where you can:
  • add a new user with their own login credentials
  • choose which accounts they can access
  • define what they are allowed to see and do, such as viewing balances or initiating payments
You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

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Bank terminology

ConceptRoyal Bank of Canada term
Delegated userUser
AdminSuper Admin

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Setup steps

1. Navigate to user management

Sign in to RBC PayEdge / RBC Express.From the top navigation, go to: Settings gear icon → Manage Access → Users
Click Add User.Enter the user’s details:
FieldNotes
First NameRequired
Last NameRequired
UsernameRequired
Confirm Sign in ID/EmailRequired
Sign in ID/EmailRequired
Select language preference for alertsRequired
Mobile PhoneOptional
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
Select the account or accounts this user should access.
This must be done for each account individually. If skipped, the user will not see any accounts.
SettingRecommended
Access levelData Entry Clerk
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet as appropriate
The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.
Review the setup and click Add User to complete.

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Important notes

If no account access is assigned, the user will see no data.
If using RBC PayEdge with single sign-on via RBC Express, users must be added and managed in both platforms separately as they have distinct rules and permissions. Tokens (hard or soft) are required for some services like Wire Payments. Dual Administration/Approval may be required for setting up permissions and rules.
Use one user per account if separate connections are required.