9
Customer Transfer Cash Instructions RBC One Quick Reference Guide October 2021
Customer Transfer Cash Instructions
RBC One Quick Reference Guide
October 2021
1 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
Customer Transfer Cash Instructions | Quick Reference Guide
Overview
This guide describes how to create and submit global custody Customer Transfer cash instructions. Before submitting cash instructions, ensure that
information is entered in the mandatory fields.
Message Types
This guide explains the steps for a Bank to Bank transfer, the definition of this Message Type and the other options are below:
Outbound payments:
Bank to Bank Transfer (MT202): If all parties in the transaction, including remitter and the beneficiary are both financial institutions the Bank to Bank
transfer screen will be used
Customer Transfer (MT103): Customer Transfer are orders for the movement of funds in which at least one party, including the remitter, the beneficiary,
or both, are not financial institutions
Notice to Receive / Cash Entry: Notification to advise RBC Investor & Treasury Services of cash being paid into an RBC account. This may be
mandatory for some account types
Internal Transfer: Used to move cash between two RBC Investor & Treasury Services accounts; the user must have permissions to input instructions for
both accounts
Note Depending on your company’s approval set up, all transactions in RBC One must be approved from the My Transactions page before they can be
submitted to RBC Investor & Treasury Services (RBC I&TS) for processing
2 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
Creating a Customer Transfer Cash Instruction
To create a Customer Transfer cash instruction:
1. From RBC One, select the name of the product for which you wish to create a cash instruction. For example, click Custody | Cash instruction
(Figure 1). The Create Transaction – Cash Instruction – Global Custody page appears (Figure 2).
Figure 1
2. General Information: In the General Information fields, enter the following mandatory details for this cash instruction:
Message Type: Select the message type Customer (MT103) and complete the following steps to enter the required information in these fields
Client Reference: Enter your unique alphanumeric client reference number for this transaction
Step 1
3 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
Figure 2
Step 3
Steps 6-8
Step 2
Step 4
Step 5
4 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
3. Debit Information: Enter the following debit information for this cash instruction.
Figure 3
Account: Select the account on which the transaction is to be created
Trade Date: Enter the transaction value date (YYYY-MM-DD format)
Click the calendar icon to select your date. Use the indicators to increase or decrease the date displayed in this field.
Note: You can enter a future value date
Settlement Date: Enter the transaction value date (YYYY-MM-DD format). Click the calendar icon to select your date. Use the indicators to increase or decrease
the date displayed in this field.
Note: You can enter a future value date
Subaccount: Also known as the IBAN number
Payment Method: Select SWIFT
Details of Charges: Select Sender or Shared (Beneficiary is not used by RBC)
Transaction Purpose: Select the purpose type from the available list
Amount: Enter the transaction amount
Currency: The currency will automatically populate, based on the details from the Subaccount field
Security Details: If required, select from Code type and Security Code
If you know the account number,
you can enter it in this field directly.
To search for an account, click the
search icon next to the Account
field. The Select Transaction
Account page is displayed. Enter
the keyword search criteria and
click the search icon. All of the
accounts in this table matching the
search criteria will be displayed. To
select the account, click on the
Status check box and click Save.
You can enter a full or partial
search for the Account Name,
Nickname and Number fields.
5 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
4. Credit Information: Enter the following credit information for this cash instruction:
Account with Institution: Account with Institution is the final beneficiary
Figure 4
Leave the Type blank
Then enter the name of the beneficiary, for example ABC Ltd.
Enter, or lookup, the two letter code of the country for the beneficiary
In Account, enter the Account number, or IBAN, for this institution
Receivers Correspondent: Fill in the details of the bank where the beneficiary’s account is held. For example ABC Ltd’s account is with UBS so UBS’ BIC,
UBSWGB2L, would be used in the identifier field.
Figure 5
Note: If there is also an Intermediary, in the Account Field, the Intermediary’s account at UBS would be added. For example, if the intermediary is
Deutsche Bank, we would enter Deutsche Bank’s account at UBS FR0000001234567891234.
We’ll go up to the Intermediary Institution section and put in the BIC code for our Intermediary, which in this example is Deutsche Bank DEUTDEFF
Receiver’s Clearing Institution: If required, enter the local codes for the Receiver’s Correspondent in the Receiver’s Clearing Institution section (UK Sort Code,
Fedwire Code, etc.)
Figure 6
6 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
Intermediate Institution: Use only if there are three parties involved to make this payment
Figure 7
Enter the BIC Code, for example Deutsche Bank DEUTDEFF
5. Additional Information can be used for addition details, if required
Figure 8
6. Before submitting this transaction, it can be saved as a draft or a template. For more information, refer to RBC One Quick Reference Guide:
Creating Drafts and Templates.
7. Click Submit to submit this transaction for approval or processing
8. The My Transactions page will now be displayed. Depending on your company’s approval set up, designated approvers will need to approve the
transaction for release to RBC I&TS for processing. Refer to the RBC One Quick Reference Guide: Approving Transactions for more information.
9. Prior to approval, transactions can be modified by any user with permissions to input an instruction. From the My Transactions page, select the
transaction by clicking on the reference hyperlink to view the transaction details. From the View Transaction page, select Modify from the
Transaction Action drop-down menu and select Go. Make the updates required and select Submit. Your company’s approval model will need to be
followed, see Step 8.
To create another transaction,
select Submit + Create New
7 | C U S T O M E R T R A N S F E R C A S H I N S T R U C T I O N S | Q U I C K R E F E R E N C E G U I D E
For more information
You may also be interested in the following short videos and Quick Reference Guides:
Video: Transaction Approval
Quick Reference Guide: Creating cash instructions – Bank to Bank
Quick Reference Guide: Creating cash instructions - Internal Transfers
Quick Reference Guide: Creating Drafts and Templates
Quick Reference Guide: My Transactions
Quick Reference Guide: Approving Transactions
Quick Reference Guide: Declining Transactions
rbcits.com
CONTACT US
For further assistance or support, please contact your local Service Desk:
North America/Asia
1 416 955 3941
1 866 309 6255
Luxembourg
+352 2605 9595
United Kingdom
+44 20 7653 4451
© Copyright Royal Bank of Canada 2021. RBC Investor & Treasury Services™ is a global brand name and is part of Royal Bank of Canada. RBC Investor & Treasury Services operates prim arily through the following
companies: Royal Bank of Canada, RBC Investor Services Trust and RBC Investor Services Bank S.A., and their branches and affiliates. In Luxembourg, RBC Investor Services Bank S.A. is authorized, supervised and
regulated by the Commission de Surveillance du Secteur Financier (CSSF), and jointly supervised by the European Central Bank (ECB). In the United Kingdom (UK), RBC Investor & Treasury Services operates through RBC
Investor Services Trust, London Branch and Royal Bank of Canada, London Branch, authorized and regulated by the Office of the Superintendent of Financial Institutions of Canada. Authorized by the Prudential Regulation
Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Autho rity. Details about the extent of our regulation by the Prudential Regulation Authority are available
on request. RBC Investor & Treasury Services UK also operates through RBC Europe Limited, authorized by the Prudential Regulat ion Authority, and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Additionally, RBC Investor & Treasury Services’ trustee and depositary services are provided through RBC Investor Services Bank S.A., London Branch, aut horized by the CSSF and ECB, and subject to limited
regulation by the Financial Conduct Authority and Prudential Regulation Author ity. Details about the extent of our regulation by the Financial Conduct Authority and the Prudential Regulation Authority ar e available on request.
RBC Investor Services Bank S.A. maintains a representative office supervised by the Federal Reserve Bank of New York. RBC Investor Services Trust (Australian Branch) is licensed and regulated by the Australian Securities
and Investment Commission, Australian Financial Services licence number 295018. Details about the extent of our regulation by the Australian Securities and Investment Commission are available on request. RBC Investor
Services Trust Singapore Limited is licensed by the Monetary Authority of Singapore (MAS) as a Licensed Trust Company under t he Trust Companies Act and approved by MAS to act as a trustee of collective investment
schemes authorized under S286 of the Securities and Futures Act. RBC Investor Services Trust Singapore Limited is also a Capi tal Markets Services Licence Holder issued by MAS under the Securities and Futures Act in
connection with its activities of acting as a custodian. RBC Offshore Fund Managers Limited is regulated by the Guernsey Financial Ser vices Commission in the conduct of investment business. Registered company number
8494. RBC Fund Administration (CI) Limited is regulated by the Jersey Financial Services Commission in the conduct of fund services and trust company business in Jersey. Regi stered company number 52624. RBC Investor
Services Bank S.A. is a restricted license bank authorized by the Hong Kong Monetary Authority to carry on certain banking business in Hong Kong. RBC Investor Services Trust Hong Kong Limited is regulated by the
Mandatory Provident Fund Schemes Authority as an approved trustee. Royal Bank of Canada, Hong Kong Branch, is regulated by the Hong Kong Monetary Authority and the Securities and Futures Commission.
This document is provided for general information and does not necessarily reflect individual circumstances. It does not cons titute financial, tax, legal or accounting advice, and should not be relied upon in that regard. This
document must not be reproduced, forwarded or otherwise made available to any third party outside the recipient’s organizatio n without the express written consent of RBC Investor & Treasury Services. Links to external
websites are for convenience only. RBC Investor & Treasury Services does not review, endorse, approve, control or accept any responsibility for the content of those sites. Linking to external websites is at your own risk.
® / ™ Trademarks of Royal Bank of Canada. Used under licence.
