How to Pay Your Personal Income Tax Online Using RBC Mobile Banking
Every tax season, many people ask professional accountants to help file their returns.
But after filing, how do you actually pay your personal income tax?
In this guide, we’ll walk you through how to use RBC mobile banking to pay your personal income tax.
Example: Using the RBC Mobile App
Step 1: Log in and Select “Pay a bill / Pay bills”
Log in to your RBC mobile banking app. At the bottom of the screen, tap the yellow button and select “Pay a bill / Pay bills”.
Step 2: Tap “Add a payee”
Again, tap the yellow button at the bottom and select “Add a payee”.
Step 3: Choose “Search for a payee”
Select “Search for a payee” from the options.
Step 4: Search for “CRA” and Select the Tax Return Payee
In the search field, type “CRA”, then select
“CRA (Revenue) 2019 TAX RETURN” (for that tax year) from the list of payees.
Step 5: Enter Nickname and Account Number (SIN)
In the Nickname field, you can enter the taxpayer’s name (e.g., your own name).
In the Account Number field, enter your SIN (Social Insurance Number).
Then tap Save.
Step 6: Tap “Pay Now” to Pay Your Tax
Once the CRA payee is set up, tap “Pay Now” and follow the prompts to complete your tax payment.
Key Steps (Applicable to Most Canadian Banks)
The above steps are shown using the RBC mobile app,
but most Canadian banks offer similar online bill payment functions for paying taxes.
Although the layout may differ from bank to bank, you only need to remember these key steps:
-
Log into your online or mobile banking and select “Pay a bill / Pay bills”.
Under Payee, search for “CRA” and select
“CRA PERSONAL INCOME TAX – [Year] TAX RETURN” as the payee. -
Set the Account Number as your SIN (Social Insurance Number).
The Nickname or Memo field can be filled with the taxpayer’s name as a reminder. - Follow the payment screen prompts to complete your personal income tax payment for the year.
Note: The CRA automatically updates the tax year in its payee list.
Once you’ve successfully set up the CRA payee the first time, you typically do not need to manually update the year in future.
Paying Current-Year Instalments
If you want to pay tax instalments for the current year,
in Step 4 you can instead select “CRA REVENUE TAX INSTALMENT” as the payee.
The other steps remain the same. Any instalments you pay during the year will be reconciled when you file your tax return,
resulting in either a top-up payment or a refund.
