The Debit Card That Lets You Shop Online,
In-App, and Internationally

The Debit Card That Lets You Shop Online, In-App, and Internationally

Shop Online and Pay Bills

Use your Virtual Visa Debit card to shop anywhere Visa is accepted online.

You can also use it to pay your bills such as utilities and CRA, and set up recurring monthly subscriptions or pre-authorized payments.

Make In-App Purchases

Add your Virtual Visa Debit card to your Mobile Wallet for a faster, easier in-app checkout.

Make purchases in your favorite apps in a few simple steps.

Shop In-Store Internationally

Simply add your Virtual Visa Debit card to your Mobile Wallet to make U.S. and International purchases in-store — anywhere Visa is accepted.

Tap up to $250 in the U.S. & Internationally2

Why Choose Virtual Visa Debit?

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Free and Unlimited

You can always feel in control of your finances and purchases don’t count toward your monthly account transactions. So you’re free to use your card as much as you want.

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Earn Rewards

Earn Avion points on every dollar you spend and enjoy more Avion Rewards benefits like special partner offers and cash back deals from over 2,400 retailers when you enrol your account in the Value Program3

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Instant Mobile Access

Instantly activate your Virtual Visa Debit card through the RBC Mobile4 app and access your card credentials at any time for added convenience. Plus, add your card to Mobile Pay for added benefits.

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Zero Liability and 24/7 Protection

Paying with Virtual Visa Debit is safe and secure — with 24/7 fraud controls and Visa zero liability protection on your purchases.

Get Your Virtual Visa Debit Card Today Get Your Virtual Visa Debit
Card Today

Your Virtual Visa Debit card is already linked to your account as a free feature. Simply use the RBC Mobile app, give us a call, or visit a branch to get yours today.

Instant Digital Activation and Access

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Download the RBC Mobile app and sign in using your Client Card number and password
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Select your primary chequing account, and select the Manage Card page
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Choose ‘Activate your Virtual Visa Debit’ or ‘View Virtual Visa Debit’
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Follow the prompts to activate/view your Virtual Visa Debit card
Instantly Activate using the RBC Mobile app

Requesting Your Physical Virtual Visa Debit Card

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Request your physical Virtual Visa Debit card by calling us or visiting a branch
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Once you receive your card, you will need to call the number of on the back of the card to activate
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When you’re ready to make an online purchase, choose “Visa” or “Visa Debit” as a payment option.

Add Your Virtual Visa Debit Card to Your Mobile Wallet

For iPhone users, you can easily add it to your wallet from the RBC Mobile app. Simply log in and find the “Add to Wallet” button on the Virtual Visa Debit Card page.

For all other devices, follow these steps:

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Open your mobile wallet app (Apple Pay, Google Pay, Samsung Pay)
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Add new payment card and input Virtual Visa Debit credentials
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Review T&Cs and Accept
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Complete authentication and activate!
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Your Virtual Visa Debit is ready to use in-app and internationally in-store
Learn more about Mobile Pay

Frequently Asked Questions

RBC Virtual Visa Debit can be used for online purchases with any online retailers that accepts Visa as a form of payment. Your RBC Virtual Visa Debit Number can be used to set-up recurring bill payments, subscription services, and even pay your taxes online through the Canada Revenue Agency.

Virtual Visa Debit can be added to your Third Party Mobile Wallet (Apple Pay, Google Pay, Samsung Pay) to complete in-app purchases and contactless mobile tap purchases as international POS terminals.

RBC Virtual Visa Debit and your Client Card both enable you to debit your banking account6 for purchases and payments.

Your Client Card uses the INTERAC payment network that is widely accepted as a form of payment in physical store locations (point-of-sale) transactions, at Automated Teller Machines (ATM) and online.

Virtual Visa Debit is accepted at millions of apps and websites, anywhere Visa is accepted. In addition, Virtual Visa Debit can be used to complete contactless mobile tap transactions at international POS terminals.

Clients must be 14 years of age or older and have an active personal, Canadian dollar deposit account and an active RBC Royal Bank Client Card in order to receive a RBC Virtual Visa Debit Number. RBC Virtual Visa Debit is not available to business clients.

There is no annual fee charged for your RBC Virtual Visa Debit Number or Reference Card. In addition, any purchases or recurring payments made with your Virtual Visa Debit Number will not count against the monthly debit transaction limits applicable to your personal deposit account5.

Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

This is the account you access with your RBC Royal Bank Client Card when you select the "Chequing" option on a merchant payment terminal or at an automated teller machine. RBC Virtual Visa Debit is not available to business clients.
When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by contacting us. For complete details on the Value Program, please see the Value Program Terms & Conditions.
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Debit transactions made using your RBC Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.
When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement for further details.