RBC^® Visa^‡ Gift Cards

While they look like credit cards, RBC Visa Gift Cards are actually prepaid/stored value cards. Cards are initially loaded with funds and when purchases are made, the amounts are deducted from the card's balance until it reaches $0.

To view the terms and conditions along with the features and fees of your card program, please visit our Cardholder Services page.

RBC Visa Gift Cards purchased at an RBC Royal Bank branch can only be loaded once, at the time of purchase. Cards cannot be reloaded with additional funds.

RBC Visa Gift Cards are not refundable for cash or other banking products.

Funds loaded to RBC Visa Gift Cards do not expire. While RBC Visa Gift Cards require an expiry date for payment processing, the funds loaded to the card WILL NOT EXPIRE. If the card has a balance after the expiry date shown on the front of the card, the recipient can simply call 1-866-466-8079 to find out how to have a new card issued with the remaining balance carried over.

Yes, RBC Visa Gift Cards can be replaced if lost, stolen or damaged, provided they have been registered at www.myrbccardbalance.com . Lost or stolen cards should be reported immediately by contacting us, toll-free at 1-866-466-8079 within Canada or the United States or collect at 1-954-377-4480 outside of Canada or the United States.

For balances and other inquiries visit www.myrbccardbalance.com  or call toll-free 1-866-466-8079.

Funds do not expire. If the card has a balance after the expiry date shown on the front of the card, the recipient can simply call 1-866-466-8079 to find out how to have a new card issued with the remaining balance carried over.

RBC Visa Gift Cards can be used to make purchases outside of Canada but they do not include Chip technology. Some merchants may not be familiar with this type of card, so it is recommended that you have another form of payment (credit card, debit card, cash or traveller's cheques) available when making purchases to avoid potential processing problems or delays.

If the card or card number is used outside of Canada or if an amount is charged to the card in a foreign currency, transactions are converted to Canadian dollars no later than the date we post the transaction to your Prepaid Card account at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays the payment card company on the date of conversion. We will show the exchange rate for each transaction in the card's transaction history.

To discuss a dispute or declined transaction, please call toll-free 1-866-466-8079 within Canada or the United States. Outside of Canada or the United States, please call collect: 1-954-377-4480.

It is important to register RBC Visa Gift Cards at www.myrbccardbalance.com . Cards must be registered in advance in order for them to be replaced should they be lost or stolen. This protects cardholders by preventing someone else from registering the card and accessing card balance and transaction information. In addition, some retailers will only allow online or telephone purchases to be made with registered cards.

Cards can be used for online and telephone purchases. However, some online and telephone retailers will only allow purchases to be made with registered cards (cards that have a name and address associated with them). Register your card at www.myrbccardbalance.com Cards cannot be used for certain types of transactions including those connected to Internet gambling.

Merchants such as restaurants or salons that require a tip or extra charge will hold up to 20% in addition to the price of the goods or services being purchased. This type of hold can take several days to clear. For these merchants, it is important for cardholders to know what the card balance is to ensure there are sufficient funds to cover both the transaction and the hold, or whether a split payment is required. We recommend that you do NOT use your card in these situations to ensure that you have your full balance available for other purchases.

Yes. However, such merchants will hold funds until the end of your trip upon making a reservation. The funds will be held during this time, and you will be unable to use them until they are released back onto your Card. For this reason, we recommend that you do NOT use your Card for hotel, cruise line or car rental bookings to ensure that you have your full balance available to you for other purchases.

To make a purchase that is greater than the balance on the card, you should let the merchant know in advance that you will be splitting the payment. (Note: some merchants may not be able to handle multiple forms of payment.) You should then advise the merchant of the amount available on the card and use a second form of payment – credit card, debit card, cash or cheque – to cover the difference. You should be aware of the balance available on the card in advance of making a payment as merchants do not have the ability to check balances. Balances can be checked online at www.myrbccardbalance.com or by calling toll-free 1-866-466-8079.

Because RBC Visa Gift Cards are non-reloadable, cards cannot be used to make recurring payments. These payments will not be authorized by the merchant.

Once signed, RBC Visa Gift Cards are not transferable. Cards personalized in the name of the recipient should not be transferred to another person.

For merchandise returns, deal directly with merchants. Keep the Card and purchase receipts, even after the balance is depleted, as you may be asked to present them in order to process the return. When the merchant's policy is to credit the card used for purchases (rather than provide cash or a store credit), the available balance on the card will be increased by the amount of the refund within two to three days of the return.

Should a merchant refuse to accept an RBC Visa Gift Card as a means of payment, contact RBC Gift Card Support at 1-866-466-8079 or outside of Canada or the United States at 1-954-377-4480 (collect).

The following information should be provided by the cardholder:

• Name of the Cardholder
• RBC Visa Gift Card number – DO NOT include the card number when sending an email
• Transaction date
• Transaction amount
• Name of the merchant
• Address of the merchant
• Reason given for the refusal

You may receive a follow-up call to discuss the resolution.

Difficulties may arise when paying with your card for fuel at “pay at the pump” kiosks. We recommend using your card to pay the cashier inside the gas station instead.

While your card may not have your name on it, you will still need to sign the back in order to use it. When making a purchase you will sign the receipt, and the merchant should compare that signature to the one on the back of the card to process the payment.

No, RBC Visa Gift Cards purchased at an RBC Royal Bank branch cannot be used to withdraw cash at an ATM or to receive any other cash withdrawal or make financial payments at any financial institution. There is no PIN assigned to the card.

RBC Visa Gift Cards can be replaced if lost or stolen, provided they have been registered at www.myrbccardbalance.com . To report your card as lost or stolen, please call 1-866-466-8079.