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FousRBC Express

Pull your RBC Express balances into your own systems

Read business account balances, previous day transactions, incoming wires and wire payment activity from RBC Express with one API call each. Or have a workflow send your cash position each weekday morning and hand yesterday's transactions to accounting.

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Works with your own RBC Express account. Fous is an independent product.

What you can build on RBC Express

  • Get business account balances

    Build this

    Reads the Business Account Balance report in Balance Reporting for the accounts or account group you choose, as of a date.

    Takes
    Accounts or account group (optional), as of date
    Returns
    Branch, account number, account name, currency, opening balance, closing balance, number and amount of debits and credits

  • Get previous day transactions

    Build this

    Reads Business Account Previous Day Transactions in Balance Reporting for one account: each debit and credit posted, with its description.

    Takes
    Account, date (optional)
    Returns
    Effective date, posting date, debit or credit, transaction code, serial number, description, amount, currency

  • Get incoming wires

    Build this

    Reads the Incoming Wires report: each wire credited to your accounts, who sent it and its references.

    Takes
    Received from date, received to date
    Returns
    Value date, date received, credit account, credit amount, currency, bank reference number, sender's reference, ordering customer

  • Check wire payment activity

    Build this

    Reads the Wire Payment Activity report in Wire Payments: each wire your company sent, its beneficiary, approvers and status.

    Takes
    From date, to date, status (optional)
    Returns
    Value date, debit account, debit amount, beneficiary, credit amount, credit currency, approvers, status, template name

Automate RBC Express with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

  • Morning cash position, every account

    Build this
    Starts
    Every weekday at 8:00 Eastern
    Step 1
    Get the business account balances for all your accounts as of the previous business day.
    Step 2
    An AI step groups them by currency and totals the closing balances.
    Step 3
    Email you the cash position, one line per account.

  • Previous day transactions to your accounting system

    Build this
    Starts
    Every weekday at 7:00 Eastern
    Step 1
    For each account you name, get the previous day transactions.
    Step 2
    Stop when there are none.
    Step 3
    Post each transaction to your accounting system's webhook for reconciliation.

  • New incoming wires, posted to receivables

    Build this
    Starts
    Every hour on weekdays
    Step 1
    Get the incoming wires received today.
    Step 2
    Keep the wires that were not there on the last run.
    Step 3
    Post each one, with its amount, ordering customer and references, to your Slack or ERP webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get business account balances” would look like.

Example request
curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "www6.rbc.com/get_business_account_balances",
    "input": {
      "account_group": "Operating",
      "as_of_date": "2026-11-11"
    }
  }'
Example response
{
  "status": "completed",
  "data": {
    "as_of_date": "2026-11-11",
    "accounts": [
      {
        "branch": "00002",
        "account_number": "1001234",
        "account_name": "Acme Operating",
        "currency": "CAD",
        "opening_balance": 482310.55,
        "closing_balance": 455982.17,
        "debits_count": 14,
        "debits_amount": 61428.38,
        "credits_count": 6,
        "credits_amount": 35100
      }
    ]
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

RBC Express’s own options

RBC offers business APIs for balances and transactions, payments, Interac e-Transfer and wire tracking, arranged through your RBC Advisor; it does not publish their price. Inside RBC Express, reports export as comma-delimited text files, and payment files can be uploaded by hand or sent host-to-host.

OptionWhat it coversWhat it takes
RBC Business Banking APIsBalance and Transactions API for real-time balances and transactions, RBC Pay API, Interac e-Transfer, and wire tracking and validation APIs.Arranged with your RBC Advisor. No self-serve sign-up or published price.
Bulk payment filesACH payments and other bulk payment files.Manual upload in RBC Express, or a host-to-host connection set up with RBC.
Export and import in RBC ExpressBalance, transaction, incoming wire and activity reports export as comma-delimited files. Account transfers, wire payments and stop payments can be imported.An RBC Express user with access to each service. Files follow RBC's Import/Export File Guide.
RBC Express by handBalance Reporting, Incoming Wires Reporting, Wire Payments, Account Transfers, ACH payments and approvals, one screen at a time.An RBC Express subscription. Reporting and monitoring starts at $0 a month; fees apply for certain services.

Read on November 12, 2026: RBC Business Banking APIs, RBC Express Online Banking, RBC Express Import/Export File Guide.

Signing in to RBC Express

RBC Express asks for a Sign In ID and password, then the token number from a hard or soft RSA SecurID token for users who have one. Users without a token are asked for a one-time RBC Express security code. With Fous you sign in through RBC Express's own sign-in with your own account, the login is sealed with AES-256, and a method reads only what your user permissions allow.

Worth knowing

Approvals follow your entitlements
Your service administrator sets entitlements and approval rules, with several levels of authorization. The Wire Payment Activity report records up to three approvers per wire.
Cut-off times decide the processing day
Account transfers, bill payments and stop payments are accepted until posted cut-off times. The schedule is behind the cut-off time link in each service and in the Reference Library.
A transfer is processed only when Completed
A Future Dated transfer has no reference number until its value date. Transfers marked Rejected, Cancelled by Bank, Failed at Bank or Stale Dated were not processed and must be resubmitted.
Available balance is for U.S. accounts
In the expanded balance export, available and ledger balances are filled for U.S. domiciled accounts. The standard format reports opening and closing balances, with available and ledger zero filled.

More in Finance: corporate banking and credit

Other industries: Moneris Merchant Direct, Virtual Pag-IBIG for Employers, FBR IRIS, Agoda YCS, Oficina Virtual DGII, KRA iTax.

Frequently asked questions

Not as a self-serve API on RBC Express itself. RBC offers a Balance and Transactions API, the RBC Pay API, Interac e-Transfer and wire tracking APIs to business clients through an RBC Advisor, without a published price. In RBC Express you can export reports as files and upload payment files.

Yes, as files. Balance Reporting exports balance and transaction reports, including previous day and current day transactions, as comma-delimited ASCII files with fields such as posting date, transaction code, description and amount. RBC's Import/Export File Guide describes each layout.

Because it is not debited until its value date. On that date a successful transfer changes to Completed and gets its reference number. To cancel a Future Dated transfer, select Modify, choose the transfer and confirm.

Your Sign In ID in lowercase, your password and, if you were assigned one, the number from your hard or soft RSA SecurID token. Users without a token are prompted for a one-time RBC Express security code after the password.

No. Fous is an independent product. You use it with your own RBC Express account, and a method reads and does only what that account can.

Put RBC Express behind an API call

Describe one job in Studio and see the method it builds, with 100 credits a month and no credit card, or book a demo and bring the sites your team signs in to.

Start building freeBook a demo

Read nextScotiaConnectStandard Bank Business OnlineSucursal Virtual EmpresasMoneris Merchant DirectHow methods workHow workflows run

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of RBC Express (Royal Bank of Canada). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.