My RBC cards let me pay from an RBC account within the RBC app, but for example I also have the Costco MasterCard issued by CIBC and there's no feature in the CIBC app to pull a payment from another bank for it.

Same with everything else: power, water, taxes, mortgage, all of these I have to look up the number and arrange a bill-pay push, I think only my mobile and internet provider are able to just debit my bank acct directly.