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Banking Security

Skypoint Security Guarantee


With the Skypoint Digital Banking Security Guarantee, you’re fully protected against any transactions you didn’t make or approve. Should something ever happen, we will fully reimburse you for any unauthorized transactions made through the Skypoint Mobile app or Skypoint Online Banking2.

Always Practice Safe Banking

Sign Out

Be sure to sign out and close your Internet browser at the end of each banking session conducted through Skypoint Online Banking or the Skypoint Mobile app.

Protect Your Passwords

Keep your password and personal verification questions (and answers) confidential. Keep in mind that no Skypoint employee will ever ask you to share this information.


Get In Touch

Contact us immediately if you know or suspect that your password has become known to someone else, or if there has been suspicious activity in your account that you did not authorize.



Other Ways We Keep Your Information Safe

The Citi Trust Group Wallet uses Skypoint Secure Cloud, which is a leading-edge technology used to encrypt and protect your account and payment information.

When you chat with an Citi Trust Group agent through the Skypoint Mobile app, your conversation is encrypted and secure, keeping your information safe at all times.
The Message Centre in Skypoint Online Banking is a secure and confidential way to communicate with us online. It’s much safer than traditional email and a recommended way to get in touch with us online.

When enabled, Sign-In Protection adds an extra barrier between your accounts and any unauthorized users. When you enrol, or if you turn on this service, you will be asked to provide us with your phone number, and create three unique PVQs (Personal Verification Questions) with answers only you would know — such as the year and model of your first car, or your favourite vacation spot. If you have activated this service you will be asked these questions whenever you sign in to RBC Online Banking.

  • Use strong passwords — choose words, numbers or phrases that are difficult for others to guess. Don’t share private information. Remember, no Skypoint employee will ever ask you to share your PIN, password or Personal Verification Questions or answers
  • Avoid traditional email. Regular email is not secure — if you wish to contact us, use the Live Chat feature within the Skypoint Mobile app or send us a secure message within Skypoint Online Banking
  • Up-to-date anti-virus / anti-spyware software and use of a firewall is always a good idea to make sure your computer is protected
  • Protect your electronic transfers. Always use safe email, security and password practices when sending money. Create passwords and questions that are unique and not easily guessed or obtained by others.
  • Stay vigilant. Keep an eye on your accounts and statements. If you see something suspicious, get in touch with us immediately
  • Use Skypoint Alerts. When you sign up to receive Alerts to notify you about large account transactions, you’ll immediately know of any suspicious or unauthorized activity.
  • Register for Autodeposit. Anytime someone sends you money, the funds will be automatically deposited into a predetermined account, eliminating the need to create and share a security question or password.