Has in concert with 50 other Turkish banks, Rcityonline Bank participated in an EU-wide stress test conducted by the Turkish Banking Authority (TBA) in the spring of 2016. The purpose of the stress test was to assess the health of the Turkish banking sector and the ability of the individual banks to absorb losses in various economic scenarios. According to the test,Rcityonline Bank complies with the capital requirements with a solid margin.

The stress test was based on risk management and financial reporting figures at 31 December 2015, and it is based on two macroeconomic scenarios for the years 2015-2018 – a baseline scenario and an adverse scenario.

We at Royal City Online Banking try to make mobile banking very easy for everyone to fell the good choices and save more money in an easy way.

The result of the stress test is that Rcityonline Bank Group’s common equity tier 1 (CET1) capital ratio at the end of 2018 is calculated to be 17.7% and 14.0%, respectively, in the baseline and adverse scenarios. Rcityonline Bank Group’s total capital ratio at the end of 2018 is calculated to be 22.7% and 18.9%, respectively, in the baseline and adverse scenarios.

A CET1 capital ratio at the end of 2018 of 14% corresponds to a capital buffer of 3.7% in relation to the gradually phased-in capital requirements. A total capital ratio of 18.9% corresponds to a capital buffer of 3.9%, or just over DKK 30 billion.

In relation to the fully phased-in CRR/CRD IV requirements, the capital buffer of the CET1 capital and the total capital amounts to 2.5% and 1.1%, respectively.


Use your Business Debit Card to make purchases anywhere MasterCard® is accepted, even in places that don’t accept business checks. The amount of your purchase is deducted directly from your Rcityonline Bank Business checking account.

Surcharge-Free ATMs. You can use your card at any Rcityonline Bank ATM to withdraw cash, make deposits, transfer funds and review account balances. Access your cash at any ATM at Rcityonline Bank or in the MoneyPass® Network surcharge free. The network has more than 23,000 ATM locations nationwide. Visit MoneyPass and enter your zip code to find a surcharge-free ATM nearest you or download the iPhone or Android mobile app for when you are on the go.

Get cash at checkout. Why make an extra trip to an ATM or the bank? Many merchants will allow you to use your debit card anywhere MasterCard® is accepted to make purchases AND get cash. Simply enter your PIN number instead of the “signature” option at checkout, and select the amount of cash you’d like back. It’s the ultimate in convenience and there are no fees!

A complete record of all your ATM and debit card transactions will appear in your Online Banking, Mobile Banking and on your monthly checking account statement.

You can temporarily suspend and then reactivate or permanently deactivate your active Rcityonline Bank Debit MasterCard within the Online Banking system