Thanks for all the details..much appreciate…I just checked on the Wise website, and it appears this option might not be available for RBC..thanks for the edit that is good advice for all apps I think..
Because I want to help you, and I notice there's something not quite right about the description of actions in what you wrote, I want to clarify. Be sure these are the steps you have taken before you conclude that RBC and Wise can't work together for online bill payment:
1. You go to the Wise website or your Wise app on your phone and log in.
2. You click on Add Money.
3. Under the section "Paying With", you click on Change.
4. You select "Online Bill Pay."
5. You click Continue.
6. The next page, on the Wise website or in your Wise phone app, gives you a Reference Number. Copy the Reference Number. Pay attention to the
backup instructions. Pay attention to the total amount you should pay Wise (this should be your desired top-up amount plus 31 cents).
7. You then leave the Wise app/website. Don't close it, just open a new tab if on desktop or hit your home button if on phone. This is in case you need to refer to the
backup instructions later.
8. You go and login to your RBC banking phone app or RBC website online.
9. You go to RBC's bill payment interface. This is the place where you might go to add a bill payment, like adding a credit card issued by another bank as a payee. (I don't have RBC so I don't know what exact clicks).
10. You search in the payee list for Wise. If Wise doesn't come up, follow the
backup instructions mentioned earlier to add Wise as a payee.
11. You add Wise as a payee. The account number to pay is the Reference Number that you copied earlier.
12. You then use the RBC interface to pay Wise however much you want to put in. This is typically costless on the bank side, and 31 cents on the Wise side. (E.g. if you want to put $500 into your Wise account, you pay Wise $500.31).
13. In a couple of days (usually less in my experience), your Wise account updates to have $500 in it.
14. Once that happens, then you can convert the $500 CAD into Euros at your convenience. Recommend you convert into Euros at a time when the dollar is a little better performing, but also recommend doing it before your trip so your Wise is pre-loaded with Euros when you land.
To reiterate: it's not that you check the Wise website for an option to pay RBC. It's that you choose Online Bill Payment on the Wise website (or in your Wise phone app), get a Reference Number, then go to your bank's website or phone app, add Wise as a payee with the account to pay = your Reference Number from Wise.
This sounds complicated but it's really no different from adding any other kind of payee to your bank, like paying your mortgage, or your property tax, or a credit card from a different institution.
Paying Wise by E-Interac for Canadians just went up in price, so setting up Online Bill Payment is worth saving a couple of dollars per top-up, in my opinion. Even paying by Direct Debit is more expensive at $2.30. (Direct Debit is NOT the same as paying by Debit Card, paying by Debit Card is $19.20. Direct Debit is where you hook up Wise to your bank account like it's a Pre-Authorized Deposit, which I consider less safe).
to me
