RBC Wallet now available: First Mobile Solution to provide Canadians with the Choice of Debit or Credit

RBC Wallet now available: First Mobile Solution to provide Canadians with the 
Choice of Debit or Credit 
RBC engaging consumers and merchants in shaping the future of mobile commerce 
in Canada 
TORONTO, Jan. 22, 2014 /CNW/ - The RBC Wallet, powered by RBC Secure Cloud, is 
now available, enabling RBC Mobile clients to purchase goods and services with 
their RBC Interac Debit or Visa credit cards using their Bell Mobility Android 
smartphone. RBC is the first Canadian financial institution to provide clients 
with the choice of using debit or credit for their mobile payments. 
"We are excited to bring the RBC Wallet to RBC and Bell Mobility clients," 
said Dave McKay, group head, Personal & Commercial Banking, RBC. "Our vision 
is for the RBC Wallet to work on all phones, with all carriers, and include 
value-added services and solutions - all safely secured in RBC Secure Cloud. 
As technology is rapidly changing, we chose a phased approach, enabling us to 
bring this exciting new technology to a portion of our clients right now, with 
many enhancements to follow." 
The RBC Wallet powered by RBC Secure Cloud is currently available to RBC 
clients who have a Samsung Galaxy S III or Samsung Galaxy S4, some of the most 
widely adopted Near Field Communication (NFC) enabled smartphones, operating 
on the Bell network, and have an upgraded NFC-enabled SIM card. Using NFC 
technology, the RBC Wallet enables consumers to pay for small purchases using 
their phones at merchant locations that accept contactless payments, similar 
to Interac Flash or Visa PayWave. 
"Canada's largest bank and Canada's largest communications company have 
partnered to make your everyday purchases easier and more convenient with your 
smartphone," said Wade Oosterman, president of Bell Mobility and Residential 
Services, and chief brand officer at Bell. "Bell is proud to partner with RBC 
to enable payments using the country's largest 4G mobile network and the 
latest smartphones, delivering the benefits of mobile commerce to Canadians 
Late last year, RBC engaged a cross-section of customers, merchants, network 
operators, acquirers and RBC employees in an extensive road test. The 
participants were provided a smartphone and access to services - real and 
future - and their feedback has helped shape today's offering and will shape 
future capabilities of the RBC Wallet. "We will not bring anything to market 
until we are confident that we have the very best solution, which meets the 
needs of our customers, merchants and all other partners," added McKay. 
The RBC Wallet offers added security and protection as client payment 
information, including card details, is stored virtually within RBC Secure 
Cloud and not on the phone. Furthermore, payments made with the RBC Wallet are 
protected by the RBC Online Banking Security Guarantee. To download, visit the 
App Store, text "RBC" to 722722 or visit www.rbc.com/securecloud. The RBC 
Wallet will be adding MasterCard and be available on more devices in the 
spring of 2014. 
In continuing to engage and further RBC's mobile commerce solution, on January 
20, 2014, RBC held its first Emerging Payments Merchant Forum with more than 
50 merchant participants in attendance, representing 34 leading Canadian 
retailers, including the national merchants who participated in the road test. 
This unique and innovative event explored the ever-changing mobile landscape 
and provided key industry leaders with an exclusive look at RBC's mobile 
vision, as well as value-added services and solutions that will benefit 
customers, credit and debit networks, financial institutions and merchants. 
About Bell
Bell is Canada's largest communications company, providing consumers and 
business customers with wireless, TV, Internet, home phone and business 
communications services. Bell Media is Canada's premier multimedia company 
with leading assets in television, radio and digital media, and is wholly 
owned by Montréal's BCE Inc. (TSX, NYSE: BCE). For more information, please 
visit Bell.ca. 
The Bell Let's Talk mental health initiative is a national charitable program 
that promotes Canadian mental health across Canada with the Bell Let's Talk 
Day anti-stigma campaign and significant funding for community care, research 
and workplace best practices. To learn more, please visit Bell.ca/LetsTalk. 
About RBC and Payment Innovation
RBC is at the forefront of payment innovation in the Canadian marketplace. We 
provide industry-leading mobile banking flexibility and convenience to clients 
through our RBC Mobile app and RBC Canada app - available for Android, 
BlackBerry, iPhone, iPod Touch, iPad and Windows 8 - backed by our RBC Online 
Banking Security Guarantee. Further information about RBC mobile solutions is 
available at www.rbcroyalbank.com/mobile. More information about the RBC 
Wallet is available at www.rbc.com/securecloud. 
About RBC
Royal Bank of Canada (RY on TSX and NYSE) is Canada's largest bank and one of 
the largest banks in the world, based on market capitalization. We are one of 
North America's leading diversified financial services companies, and provide 
personal and commercial banking, wealth management services, insurance, 
investor services and capital markets products and services on a global basis. 
We employ approximately 79,000 full- and part-time employees who serve more 
than 15 million personal, business, public sector and institutional clients 
through offices in Canada, the U.S. and 44 other countries. For more 
information, please visit rbc.com. 
RBC supports a broad range of community initiatives through donations, 
sponsorships and employee volunteer activities. In 2012, we contributed more 
than $95 million to causes worldwide, including donations and community 
investments of more than $64 million and $31 million in sponsorships.

Suzanne Willers, RBC Communications, 416-974-2727 Kate Yurincich, RBC 
Communications, 416-974-1031 Jason Laszlo, Bell Media Relations, 1 855 614-6602 
Image with caption: "Mobile Commerce is gaining momentum worldwide. Find out 
where Canada and RBC stand. (CNW Group/RBC)". Image available at:  
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-0- Jan/22/2014 12:54 GMT
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