Visa Debit

Access the world from your wallet.

The RBC Royal Bank Visa Debit card provides an alternative payment method to cash or cheques when shopping. This card can be used in person, online or by telephone or mail order. It can also be used to withdraw cash at RBC Royal Bank ATMs, or other ATM machines where the Visa or Plus symbols are displayed. When you use the card, funds are withdrawn directly from the primary savings or chequing deposit account linked to the card.
What the RBC Royal Bank Visa Debit card does:

  • Pay for goods and services domestically and internationally1, in person, online or via mail order/telephone order.
  • Pay utility bills at Point-of-Sale locally.
  • At RBC domestic ATMs you can perform balance enquiries, transfer funds between accounts and make deposits to your accounts.

1 Please refer to the Central Bank of Barbados Foreign Exchange Guidelines for information regarding restrictions on the use of foreign currency in and out of Barbados.



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RBC Royal Bank clients can expect their RBC Royal Bank Visa Debit card to provide the following:

Make life easier
Your new RBC Royal Bank™ Visa‡ Debit Card is the fastest, easiest and most secure way to make purchases, pay bills or access your cash — every day, at home or away. With your RBC Royal Bank Visa Debit Card, you never have to worry about carrying large amounts of cash or writing cheques.

Extend your payment power around the world
Your RBC Royal Bank Visa Debit Card is accepted at millions of locations across the globe. It packs all the power you need to conveniently access your RBC chequing or savings account on the go.

  • Pay for purchases quickly and securely at any merchant that accepts Visa.
  • Get cash at ATM machines wherever the Visa or PLUS‡ symbols are displayed.

More virtual purchasing power
Your RBC Royal Bank Visa Debit Card is welcomed online, by telephone or by mail order at most merchants in North America and around the world. Shop online, book a hotel or car rental, pay for music, order online games, shop by phone, make recurring payments and so much more.

No annual fee and no charge for local purchases
There is no annual fee on your RBC Royal Bank Visa debit card, and unlike a credit card, you do not incur interest charges on the card. In addition, when you use the card to make purchases at local merchants, there are no additional charges.

Take control of your money
It’s simple to manage your money when you shop with RBC Royal Bank Visa Debit since funds are debited from your RBC Royal Bank banking account at the time of ATM withdrawal or payment. You incur no unwanted debts. You can also review the details of every transaction that is itemized on your monthly bank statements.

Peace of mind with fraud protection
The RBC Royal Bank Visa Debit card gives peace of mind and make your face to face and online payments safer—RBC provides 24/7 fraud monitoring. You can be confident that any unauthorised funds taken from your account because of fraud will be returned to them.

*Free USA SkyBox
address for online shopping - Get the first year membership fee waived plus US$ 10.00 off your first shipment. Use your Visa debit card to register online at

*RBC Royal Bank is not responsible for SkyBox’s service (including, without limitation, delivery times or quality of service), any fees or expenses payable in respect of SkyBox’s service or the proper functioning of SkyBox’s website. Any questions or complaints regarding SkyBox’s service should be directed solely to SkyBox Inc.

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RBC Client CardRBC Visa Debit
Pay for goods and services in person domestically Yes Yes
Pay for goods and services in person internationally No Yes
Pay for goods and services online or via mail and telephone domestically No Yes
Pay for goods and services online or via mail and telephone internationally No Yes
Make recurring payments like monthly gym membership dues or utility bills, for example No Yes
Make hotel or car rental reservations on the phone or online No Yes
Withdraw cash at RBC ATMs domestically Yes Yes
Withdraw cash at RBC ATMs or other bank ATMs internationally No Yes
Pay utility bills at POS locally Yes Yes
Transfer funds between accounts* Yes Yes
Balance inquiries* Yes Yes
Deposit funds at an RBC ATM Yes Yes

* Subject to functionality available at non-RBC ATMs domestically or any ATMs internationally.


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Use it in person

Once you have set up your secret Personal Information Number (PIN), you are ready to use the card at any domestic or international merchant or ATM:

  • When a merchant terminal offers you a choice between Debit and Credit, you must select the Credit button to complete the transaction. Otherwise you will be declined by the Network. However, please remember this is not a credit card, the money will still be deducted from the funds available in your primary deposit account.
  • To withdraw cash at an ATM, enter your card and follow the instructions on the screen.

Use it online or by telephone

When prompted, enter or provide the number of your RBC Royal Bank Visa Debit Card, its expiration date and the 3-digit security code on the back of your card.

  • You will not be asked to enter your PIN.
  • Your secret PIN is strictly confidential and should not be shared with anyone.

If your card is ever lost or stolen, you can easily report it and get a replacement card by calling us at:

Barbados: 1-888-847-5803
Canada: 1-800-796-0021
USA: 1-800-292-7791