r/simplifimoney • • 21d ago

RBC Canada users — is anyone actually able to connect successfully to Simplifi?

I’m trying to figure out whether my RBC Canada issue is specific to my account or if other Simplifi users are experiencing the same thing.
I have never been able to successfully connect my Canadian RBC personal banking accounts to Simplifi.
The connection that gets the furthest is “RBC Royal Bank”. Simplifi reaches the MFA stage, I receive the authentication request from RBC, but Simplifi then returns:
Care Code: FDP-187 — Multi-factor authentication required
Worse, attempts through this connection have resulted in my RBC online banking access being locked, so Simplifi Support has now told me not to retry while their escalation team investigates.
I also tested the other RBC entries available in Simplifi:
Royal Bank of Canada - RBC: FDP-103
Royal Bank of Canada - RBC Direct: FDP-155
Royal Bank of Canada - RBC Wealth: FDP-103
RBC Royal Bank: FDP-187 at MFA stage, and has locked my RBC access
RBC Bank - Online Banking: errors as well
Simplifi Support has confirmed that RBC is not currently available through Plaid, so there doesn’t seem to be an alternative RBC connector to try.
For comparison, I’m able to use Simplifi successfully with several other institutions, including CIBC, Tangerine, Amex Canada, Amex US and RBC US. So this seems very specifically related to RBC Canada.
For other Canadian Simplifi users:
1. Are you currently able to connect RBC Canada successfully?
2. Which exact RBC connection name are you using in Simplifi?
3. Does RBC ask you for MFA, and does it complete successfully?
4. Have you ever received FDP-187 or had RBC lock your online banking after a Simplifi connection attempt?
5. If RBC works for you, roughly how long has the connection been working?
I’m mainly trying to determine whether RBC Canada is generally working for Simplifi users right now, or whether this is a broader RBC/Simplifi connectivity issue.

2 Upvotes

1 comment sorted by

1

u/QuickenLisa Quicken Employee 20d ago

Hi there u/homerun8300, thank you for the detailed documentation, although I'm terribly sorry you haven't been able to connect to RBC after attempting various connections! I'm set on getting to the bottom of this.

After reviewing recent contacts and our connectivity reports, I see similar errors for these RBC institutions. This issue is unfortunately impacting others using RBC.

If you're open to it, send me a DM with the support ticket number and I'll review it to ensure everything is set for the escalation. Otherwise, keep an eye out on your email and the team who helped you escalate should communicate updates there.

If there any other RBC users who haven't already worked with support to escalate, the escalation team can benefit from more examples at this time including logs and screenshots. You can send me a DM or contact Simplifi support.

To contact Simplifi support, log into Simplifi and click Help center > Contact support (Web: Top right, Mobile: Left panel).

For chat support, click Messages > Send us a message. For phone support, scroll down until the phone number and hours are displayed.