Frequently Asked Questions

Interac Flash

1. What is Interac Flash?

The Interac Flash enhancement increases the functionality of your chip Client Card by allowing you to pay for smaller purchases without having to insert your card or enter a PIN. Now, when you use your chip Client Card, you will have the ability to make both regular Interac Debit transactions or Interac Flash transactions.

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2. Can the information on my card be intercepted during the transaction?

The data that passes from the card to the card reader cannot be used to conduct fraudulent transactions or ID theft. The card only contains information related to payment codes for debit transactions.

There are a number of anti-fraud measures in place to protect you and your card, such as transaction limits and being prompted to insert your card and enter a PIN after every $200 in contactless transactions you make with your Client Card. You are also protected under the Interac Zero Liability Policy (opens external website in new window).

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3. How do I track my Interac Flash transactions? Will I receive a receipt?

Merchants will provide you with a receipt for an Interac Flash transaction, just as they do for a regular Interac Debit transaction. Also, the transactions will be itemized on your bank statement and in RBC Royal Bank Online Banking.

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4. Does my current RBC Client Card have the Interac Flash feature?

Most RBC Royal Bank Client Cards will include Interac Flash; along with both chip and PIN technology. RBC chip debit cards that are enabled with Interac Flash will have this symbol on the mid-right side of the card. If your card does not have Interac Flash, please contact your branch or call the number on the back of your card to request a replacement card.

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5. Do I need to activate the Flash feature on my card?

Yes, the contactless feature will be activated once you make an initial chip insertion transaction and use your PIN. This ensures that you are the one receiving the card. Contactless limits are preset for $100 across all merchant categories, eg. gas, groceries, fast food.

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6. Will my Client Card be Flash-enabled?

Yes, Interac Flash is available on all Client Cards, except the Cub Card for personal clients and the Business Agent card, which is deposit only.

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7. Where is Interac Flash currently accepted?

Interac Flash is new and merchants are signing on every day. For latest updates to merchant details, please click here (opens external website in new window).

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8. Where can I get more information about Interac Flash?

Please visit InteracAssociation (opens external website in new window) for more information about Interac Flash.

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9. Is the contactless payment feature also available on RBC credit cards?

Yes, RBC Royal Bank offers RBC credit card cardholders an easier way to pay for small everyday purchases with Visa payWave and MasterCard PayPass. For more information visit the RBC credit card contactless technology (opens new window) page.

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10. What if I don't want the Interac Flash feature on my card?

You can call the number on the back of your Client Card or visit a branch near you to deactivate the Interac Flash feature. You will not be reissued a new card, but you can continue to use your existing card.

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11. Who can I contact if I have questions or concerns about my RBC Client Card?

For questions or concerns about your RBC Chip or Interac Flash Client Card, please contact us at 1-800-769-2511. Business Banking clients can contact us at 1-800-769-2520.

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Chip Client Cards

1. What is a chip card and what are the benefits?

A chip card is a credit or debit card with a microchip embedded in it. The chip is encrypted and provides enhanced security and protection to help guard against fraud. When used at stores or restaurants with chip-enabled terminals and at ATMs, the system validates the chip and the personal identification number (PIN), helping to ensure a more secure transaction. The addition of a PIN provides an extra layer of security above and beyond the chip as only you know your PIN.

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2. Why are chip cards more secure?

The enhanced security of a chip card comes from the chip itself as it is encrypted and employs a range of security features and measures that work in concert with each other to create a multi-layered defense against card fraud. When chip cards and a personal identification number (PIN) are used at chip-enabled terminals, the transaction system identifies the cardholder through the chip and the PIN. The enhanced security features of chip cards make them virtually impossible to replicate and therefore less likely to be a target for criminals.

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3. What information does a chip card contain? Is the information private?

Chip cards contain an embedded microchip that holds the same information that is currently contained on a magnetic stripe card (card number), which is also the same information that is embossed directly on the card. Chip cards also contain added risk parameters and security keys to enable personal identification number (PIN) transactions and to provide added protection. We employ a strict privacy policy and are committed to protecting client information. For more information about our privacy policy, please visit the RBC Privacy Policy website (opens new window).

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4. If chip cards are more secure, does that mean my existing magnetic stripe RBC Client Card is not secure?

Chip cards represent the latest advancements in card payment security. They make an already safe payment system even more secure. In addition, we have been very successful in protecting cardholders by reducing debit card fraud through continuous upgrades to our fraud detection systems. With one of the lowest fraud rates in the industry, we will continue our current fraud prevention practices to ensure clients are protected when using a chip Client Card. For the time being, all RBC chip Client Cards must also include a magnetic stripe to ensure continued acceptance at locations that have not converted to chip technology.

In addition, you continue to be protected under the provisions of the Canadian Code of Practice for Consumer Debit Card Services.

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5. Will my RBC chip Client Card still contain a magnetic stripe?

To ensure your RBC chip Client Card continues to be accepted everywhere (including outside Canada), it will contain a magnetic stripe in addition to the chip. You can expect to make two types of transactions with your RBC chip Client Card for some time to come:

Swipe and PIN – the magnetic stripe is swiped and validated by your personal identification number (PIN) just as it is today.
Insert and PIN – the card is inserted and left in the terminal as you input your PIN for validation.

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6. What is a RBC ATM card?

The RBC ATM card is a temporary Client Card which is meant to be an interim card while the client waits for their personalized card to arrive. This card contains a magnetic stripe and can be used with a PIN. This card does not contain a chip.

Starting September 2016, clients can use an RBC ATM card at any RBC ATM to withdraw cash or conduct an ATM transaction.

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7. When can I expect to receive my RBC chip Client Card?

RBC Client Cards with chip have been issued since 2008. It has taken several years to convert existing Client Cards to chip Client Cards. If you have not received your chip card, it is likely that your contact information is out of date. Please call or visit your branch to update your contact information and to ensure that you don't miss out on important communications.

Note: RBC ATM cards (temporary cards) issued after February 18th, 2014 are valid for 45 days from the date the card was issued.

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8. Can I keep my current RBC Client Card or RBC ATM Card which does not have a chip?

No, a chip Client Card must be used to complete ATM and Point of Sale transactions starting September 2016. The RBC ATM or RBC temporary cards will only be accepted at RBC ATM’s. Both personal and business non-chip Client Cards will no longer be accepted at merchant Point of Sale terminals or other any ATM’s in Canada.

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9. Will Business Deposit-Only Agent Cards need to be converted to chip?

No. Deposit-Only Agent Cards will not be impacted and will continue to have a magnetic stripe. However, the RBC Royal Bank Business Client Card associated with the account are chip-enabled.

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10. Where do I get a PIN for my RBC chip Client Card?

If you do not already have a personal identification number (PIN) on your existing Client Card, please visit your nearest RBC branch (opens new window) to set up your confidential PIN.

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11. How can I change my PIN or have it reset because I've forgotten it?

If you'd like to change your personal identification number (PIN) or if you've forgotten your PIN, simply visit an RBC branch (opens new window) to have it reset. For your protection, please remember to bring 2 valid pieces of identification with you.

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12. If I'm travelling outside of Canada, will my current RBC Client Card still work?

Many foreign ATMs are converting their ATM to only accept debit cards with a chip. It is a good idea to make sure your card is a chip Card. To ensure ultimate convenience and accessibility to funds when travelling outside of Canada, you should carry more than one form of payment, such as your Client Card and a credit card or small amounts of local currency. This will help in the event that you encounter potential service disruptions like power outages or system problems. For additional information about travelling and your finances, please visit RBC Travel Essentials (opens new window).

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13. How will my RBC chip Client Card transactions work outside of Canada?

Client Card transactions will work the same way as magnetic stripe transactions do today. At merchants who subscribe to the NYCE network in the U.S., you will swipe your card and enter your personal identification number (PIN). At U.S. and international ATMs on the PLUS Network, you will insert your card and enter your PIN. When travelling, you should consider having a four-digit PIN as some terminals and ATMs overseas will not accept a PIN with more than four digits.

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14. Is chip technology available for my credit card?

All RBC credit cards are now being issued with chip and PIN technology and existing cards will be replaced based on expiry date. If you do not currently have a chip and PIN card, you can expect to receive one when your current card expires.

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15. Where can I get more information about chip technology?

Please visit the following websites for more information about chip and PIN technology:

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16. Who can I contact if I have questions or concerns about my RBC chip Client Card?

For questions or concerns about your RBC chip Client Card, please contact us at 1-800-769-2511. Business Banking clients can contact us at 1-800-769-2520.

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