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Introducing the New Debit Card
The same convenience with a new look and feel. Beyond modern, premium design, your new debit card (also referred to as RBC Client Card) comes with enhanced features. Here’s what’s newlegal bug 1:
- Improved security: With the card number moved to the back, it’s hidden when the card is in the chip reader or in your wallet, giving it a new level of security.
- Modern look reflects banking today: The card’s flat thermal printing means there are no raised numbers – a feature no longer necessary in today’s banking environment.
- Premium design: With bold new colours and design elements, your new debit card has a striking look that will stand out in your wallet.
Whether you have the new or old design, your debit card has the same functionality and is a simple, convenient and secure way to pay.
Interac Contactless Payment and Chip Technology
Chip technology and Interac Contactless Payment is the evolution of electronic payments in Canada, helping to make an already safe card payment system even more secure.
What is Interac Contactless Payment?
What is Interac Contactless Payment?
Interac Contactless Payment allows you to tap and pay for everyday purchases quickly and securely without having to swipe or insert your debit card. This feature is included on your RBC Royal Bank Client Card for no added fee.
How to Tap and Pay
You can use Interac Debit to tap and pay for up to $250 per transaction on gas, groceries or other purchases at a variety of retailers.
Step 1
Look for the Interac contactless symbol
Step 2
Hold the contactless symbol on your card to the secure card reader
Step 3
Wait for the approval and you’re done!
Use Your Mobile Phone to Pay With Interac Contactless Paymentlegal bug 2
Simply add your personal RBC debit or credit cards to your mobile device to make day-to-day purchases with a tap.
What is Chip Technology?
Your RBC Chip Client Card contains an embedded microchip that is encrypted and virtually impossible to replicate. This provides significant protection against card counterfeiting and fraud. The chip on your card works together with your Personal Identification Number (PIN) to ensure a highly secure transaction.
How to Use a Chip Client Card
Step 1
Insert your card into the terminal and leave it there
Your card should never leave your sight. This helps to further reduce the risk of fraud.
Step 2
Follow the prompts and enter your PIN
You're the one in control of the transaction process. Cover the keypad to protect your PIN
Step 3
Wait for approval, then remove your card
Done! The overall process is quick and easy.
Note: If the store or restaurant does not yet have a chip-enabled terminal, swipe and enter your PIN as usual.
Your Money is Always Safe
Safeguarding you from fraud is among our highest priorities. We offer a diverse range of security measures to ensure the safety, confidentiality and integrity of your information and transactions.
Learn About Security at RBCFrequently Asked Questions
No matter what your debit card looks like, if it’s current and hasn’t been locked or reported lost or stolen, it still works! You will only be sent a new one if a replacement card is requested or if your card is expiring.
Some RBC debit cards have a “valid thru” date printed on either the front or back of the card and some may not have a date printed on the card but may still expire.
If your debit card is expiring soon, we will be sending you a new card between 30 to 90 days prior to the end of the “valid thru” month. Your expiring card will continue to work up to the last day of the month that’s shown on your card. Rest assured all the features and services will remain the same for your new card.
Some RBC debit cards have “valid thru” dates printed either on the front or the back of the card. If you received a new debit card in the mail approximately 30 to 90 days of the “valid thru” date, this is because your existing card is expiring soon.
In some cases, you may have a chip-enabled RBC debit card that does not have a “valid thru” date printed on either the front or back of the card. If you received a new debit Card in the mail, this is also because your existing card is expiring soon.
Once you get your new debit card, start using it immediately, and destroy your previous debit card with the lower issue number found either on the front or on the back of your card. Your new card will have a new “valid thru” date, and all the features of your old card remain the same, including your PIN (Personal Identification Number).
For added protection, it is a good idea to change your PIN from time to time. Your PIN can be changed at any RBC ATM or if you’ve forgotten your PIN, simply visit an RBC branch to have it reset. Please remember to bring along two valid pieces of identification to change your PIN in an RBC branch.
The designs for some Personal RBC debit cards were updated in 2023. Even though the design is different, all features that you enjoyed on your old card will still be there on the new card.
The new card design will be updated in the mobile wallet in November 2023. For some, the mobile wallet version and the physical card will look different. They both function exactly the same way, even though they may look different. Eventually, you will receive the new card and the two cards will match.
Debit cards added to a Mobile wallet have a different expiration period than that of your physical card. There is also no need to add your debit card to your mobile wallet again when you receive a new card.
Some RBC debit cards now have the card number, expiry date, and issue number printed on the back of the card.
The printing technology takes regular wear and tear into account. If you’re unable to read your name and card number, you can easily request a replacement card through RBC Online Bankinglegal bug 3.
Steps to replace your debit card
In the meantime, you can find your card number in the RBC Mobilelegal bug 3 app and in RBC Online Banking.
Tactile option is available. Please contact us as 1-800-769-2511 and an Advisor will be able to help.
Your replacement card is still a Client Card that supports Interac debit and contactless payments. The designs for some Personal RBC debit cards were updated in 2023 and your card includes all the features that you enjoyed on your old card.
Your new debit card will be sent to you in the mail approximately 30 to 90 days in advance of your card expiry date. Your expiring card will continue to work up to the last day of the month that’s shown on your card. If you have not received your card within 10 business days of expiration, please contact us at 1-800-769-2511 (Personal clients), and 1-800-769-2520 (Business clients) or visit an RBC branch.
Certain types of RBC debit cards do not require a signature on the back. It’s ready for use once you receive it.
You can use your RBC Debit Card at ATMs worldwide that show the PLUSlegal bug ‡ System logo. Additional ATM feeslegal bug 4 may apply depending on your bank account or package with us.
You can use your RBC Debit card to make debit purchases at retailers across the U.S. that are on the NYCElegal bug # payment network. Additional Cross Border Debit feeslegal bug 5 may apply depending on your bank account or package with us.
Learn More about Cross-Border Debits
You can also add your RBC Virtual Visa Debit to your Mobile Wallet and make contactless payments outside of Canada.
Learn more about Virtual Visa Debit and international purchases in-stores
You can easily replace a damaged debit card in RBC Online Banking.
Steps to replace your debit card
You can visit an RBC Branch or call 1-800-769-2520 to replace Additional Business Client Cards.
Note: Debit Card replacement fee may apply to Personal debit card holders. Refer to Additional Account Services for details.
Replacement fee not applicable to Business debit cards.
For personal clients, you should lock your card right away. You can lock your card through the RBC Mobile app and RBC Online Banking.
Personal and Primary Business debit cardholders should report your lost or stolen card online by following a few simple steps. Your debit card will then be cancelled, and we will issue you a new one.
Report my lost or stolen card through RBC Online Banking
Additional Business Client Cardholders should call 1-800-769-2520
Note: debit card replacement fee may apply to Personal debit card holders. Refer to Additional Account Services for details
Replacement fee not applicable to Business debit cards.
Your PIN can be changed at any RBC Royal Bank ATM. To reset a forgotten PIN, please visit an RBC Royal Bank Brach. Remember to bring 2 valid pieces of ID with you.
Find a branch or ATM near youContactless Payment is one of the safest methods of payment today. Safe-guards such as transaction limits, EMV technology, and real-time transactions work to protect you.
Learn more about Interac contactless SecuritySome locations may charge a convenience fee and will post a message on the screen when they do. Always read the screens carefully before you complete your transaction.
If a refund is required by the merchant and is not initiated in person, primary debit cardholders will receive a Card Not Present (CNP) refund to the primary account associated with their card. As Additional Business Client Cards (ABCC) share the same card number with the primary cardholder, CNP refunds may not be processed to the ABCC primary account where the funds were originally debited from; instead, CNP refunds will be posted to the primary account associated with the primary debit card.
If a refund is initiated in person and you cannot see the refund in the ABCC primary account, call 1-800-769-2520.