New technologies are changing the way you go about your day to day activities — from the way you bank to the way you shop and the way you pay. Whether it’s in person, online or through your mobile device, RBC Royal Bank® is committed to providing you with the most innovative, convenient and secure solutions to pay how you want, when you want.
Using the RBC® Wallet app1, powered by RBC Secure Cloud™, on your smartphone is an easy way to stay organized and reduce the clutter in your physical wallet.
You now have the option to safely:
- Make convenient and secure payments with your RBC debit or credit card with the tap of your smartphone
- Store, manage and pay using your gift cards
The RBC® Wallet uses Near Field Communications (NFC), similar to the contactless payment feature on your existing (plastic) payment card, to transmit the payment details from your smartphone to the point of sale (POS) terminal. It’s a very convenient way to pay for your purchases and extremely secure.
We're making it even more convenient!
Now you can use your iPhone and Apple Watch to pay with the RBC Wallet and Apple Pay.
Find out more about Apple Pay >
In order to use the contactless payments feature of the RBC Wallet app, you will need:
An RBC Client Card (‡ Debit) AND/OR an eligible RBC credit card.
- RBC Client Card
- RBC® Visa Cash Back
- RBC Rewards Visa Gold
- Signature® RBC Rewards® Visa
- RBC Visa Infinite‡ Avion®
- RBC Avion Visa Infinite Privilege‡
- RBC Visa Platinum Avion
- U.S. Dollar Visa Gold
- RBC Esso Visa
- RBC Rewards Visa Preferred
- RBC British Airways Visa Infinite‡
- RBC Visa Classic
- RBC Visa Platinum
- RBC Cathay Pacific Visa Platinum
- RBC Classic II Student*
- RBC Rewards Visa Classic*
- RBC Visa Gold Preferred*
- RBC Visa Student Classic*
- RBC Visa Platinum Preferred*
- RBC RateAdvantage™ Visa
- * These cards can be added to the RBC Wallet but are no longer available for sale.
An NFC-capable smartphone with Android 4.4 or a more recent OS.
Note: For your protection, you must have a security screen lock (e.g. PIN, passcode, pattern, etc.) on your smartphone in order to access the RBC Wallet.
The latest version of the RBC Wallet1 app for Android v4.4+.
If you meet the above criteria, you will then need to add your card(s) to the RBC Wallet app.
Once you’ve set up your card(s) within the RBC Wallet app, there is no need to fumble with cash or even your old leather wallet, sign a receipt, or input your PIN for small purchases like coffee or a quick lunch. Simply place your smartphone on the POS terminal, wait for the green lights and you’re on your way. It’s fast, convenient and very secure.
1Look for this symbol at the checkoutOR
2Launch the RBC Wallet, select your payment card, and hold your smartphone to the reader
This process uses your smartphone’s built-in antenna to transmit payment information to the terminal. Because the antenna can be located in different places on each device you may need to attempt the payment more than once. With each attempt, hold the device a different way to the reader (e.g. top half vs lower half) to get the best signal.For your protection, you may be prompted to enter your device security code before the payment is complete.
3Wait for approval and you're on your way
The RBC Wallet app can be used to pay at a variety of merchant locations across Canada that accept Visa payWave‡, and/orFlash‡, including gas stations, grocery stores, fast food restaurants, convenience stores, coffee shops and vending machines.
For the most up-to-date information, visit:
Adding or removing a card from the RBC Wallet app is quick, easy and you can do it right from your phone, wherever you are.
The RBC Wallet Quick Pay Widget, available for Android smartphones, is a great option and the best part is that you just need to unlock your phone to use it – no additional passcodes are required.
We know that you have more in your wallet than just debit and credit cards. That’s why we also provide the option to add gift cards to your RBC® Wallet so you can access them right when you need them.
- Add your plastic gift cards
- Check your gift card balances
- Buy additional gift cards
- Send as a gift to friends or family
- And more…
Keeping your gift cards in your RBC Wallet is just as safe as carrying around a plastic gift card, if not safer. You won’t have to worry about dropping one, or forgetting it somewhere.
The Gift Card feature can be used by all RBC Mobile app users, and is available on all carriers.
In order to get started, you will need:
- An eligible smartphone
– Android (4.4+)– iOS (7.0+)
- The latest version of the RBC Mobile1 app
Not only can you add your existing Gift Cards but you can also purchase a variety of gift cards in one convenient place.
Adding plastic Gift Cards to your RBC Wallet is simple to do. Once added, all of your gift cards are contained in one convenient location on your smartphone so they will always be with you when you need them.
Buy a Gift Card and send it to a friend for their birthday, or re-gift a card that you no longer want. It’s easy to do through your RBC Wallet.
When a retailer signs up to be included in the RBC Wallet, they will ensure that you can use the RBC Mobile app to pay in their store or restaurant. Simply tap on the card to pay or learn more about how it can be redeemed.
We make it easy to manage the Gift Cards you have in your virtual RBC Wallet.
- Track balances for most participating merchant gift cards
- View details
- Call customer support
- Keep records
Engage with the most exciting merchant brands in an ever-growing catalogue of retailers.
- Boston Pizza
- East Side Mario’s
- Prime Pubs
- Swiss Chalet
- And more…
- Information is encrypted and stored securely.
- Payment information and other details are stored virtually with the bank.
- No personal information is transmitted to the merchant.
- Your smartphone does not leave your hand.
Credit card purchases are protected with Purchase Security and Extended Warranty Protection.
You are protected against unauthorized debit and credit transactions as governed by the RBC Online Banking Guarantee found in the RBC Royal Bank Electronic Access Agreement. You are also protected against fraudulent transactions under the Zero Liability policy for credit cards and debit cards which means you are not liable for fraudulent charges, as set out in your RBC Royal Bank Credit Card Agreement and/or your RBC Royal Bank Client Card Agreement.
Payment Cards (debit/credit)
The RBC Wallet is now its own app and more accessible than ever. Gone are the carrier restrictions and need for special NFC SIM cards. Now you can take advantage of our new mobile payment features on any network with any NFC-capable smartphone running Android‡ 4.4 or higher.
You can now pay even faster with the RBC Wallet widget – straight from your Android home screen. All it takes is one tap on the card you want to pay with and you're good to go!
The RBC Wallet app is designed to work with NFC-capable smartphones running Android 4.4 or higher — no matter which carrier you use. A standard SIM card is required. For security reasons, rooted devices are not supported.
Yes, your previously added payment and gift cards will be waiting for you.
We have been big supporters and advocates of BlackBerry for a long time. For example, the first mobile debit transaction in Canada was achieved in partnership with BlackBerry. Now, we have decided to focus our development on Android and iPhone devices first.
You can download the new RBC Wallet app from Google Play‡™.
The RBC Wallet app allows you to pay for purchases with your smartphone. It offers added security and protection because your payment information, including card details, is stored virtually with the bank within RBC Secure Cloud and not on your phone.
The RBC Wallet uses Near Field Communications (NFC) built into most newer model smartphones to enable payments for small purchases at merchants that accept contactless payments, similar to contactless debit or credit cards. Designed for small purchases, typically under $100, it's fast and makes paying in store more convenient than ever.
With the RBC Wallet widget you can now pay even faster – straight from your Android home screen. All it takes is one tap on the card you want to pay with and you're good to go!
Yes, you can. The balances will be shown with the images of your cards. Here’s how to set it up:
- Go to “Settings”
- Sign in
- Toggle on “Display Card Balances” for Payment Cards
While this is a great way to check on your balances more quickly, just keep in mind that the added cards can be viewed without signing in so anyone using your device will be able to see your balances.
A contactless payment is an easy way to pay for small purchases which uses Near Field Communications (NFC): a wireless technology that sends information between two devices when brought within a few centimetres of each other. Most newer model smartphones contain NFC technology, allowing you to pay for items with your smartphone.
Most contactless terminals will contain the following symbol to indicate that they are contactless-enabled:
Using a mobile card is just like using the equivalent plastic card for a contactless payment. Any eligible card you add to your RBC Wallet will operate just as its plastic counterpart, and will access the same account.
For RBC credit cards, your existing plastic credit card number is not used in the RBC Wallet for security reasons. A new and unique card number is created automatically when you add your credit card to the RBC Wallet. This new card number will draw from your account in the exact same way as your plastic card, but will appear as a new card number in Online & Mobile Banking and on your statement.
For RBC Client Cards, your Mobile Client Card has the same 16-digit number as your plastic Client Card. Your Mobile Client Card will not show as a separate product in your Online or Mobile Banking profiles, and will draw from your account in the exact same way as your plastic card.
There are no additional fees for downloading or using the RBC Wallet app.
Standard data rates apply for the download and use of the RBC Wallet app.
You will be responsible for any purchases you make using the RBC Wallet.
Check out Getting Started under How to Use for details on setting up your RBC Wallet.
You can add any eligible RBC Visa‡ credit cards, and your Client Card (‡ debit) to your RBC Wallet.
Check out Getting Started under How to Use for a complete list of supported devices.
A new SIM is not required to use the RBC Wallet app. All information is stored securely within the RBC Cloud and securely sent to the mobile device.
Check out How to Pay under How to Use for details on how to pay with your RBC Wallet.
You can use the RBC Wallet to make payments anywhere Visa payWave orFlash is accepted, including McDonald's‡, Tim Hortons‡, Shoppers Drug Mart‡ and Petro Canada‡, even Green P Parking‡ lots. Additional merchants are being added all the time.
For more information visit the following sites:
- Visa payWave
You should always have an alternate form of payment available with you to ensure you don't experience delays should the technology not function.
Similar to contactless payments, mobile payments are for small purchases — transactions typically under $100. However, each merchant has its own limit for maximum transaction values for contactless and mobile payments so check with them before you use the RBC Wallet to make a payment.
Yes, you can process a refund using the Payments feature on your smartphone by holding or tapping your smartphone just as you would for a mobile payment purchase. This works for both debit and credit cards.
If you have multiple Client Cards, please ensure you have selected the card attached to your primary account before you add your Client Card (‡ Debit) to your RBC Wallet. You can only add one Client Card per RBC Wallet.
When downloading the RBC Wallet app, you'll be presented with a list of permission categories. RBC Wallet needs certain app permissions so you can access all of its great features like sending gift cards to someone on your contact list, click-to-call for gift card support and to let you pay with a tap using Near Field Communication (NFC).
For details, please visit http://www.rbcroyalbank.com/mobile/permissions.html.
If your smartphone is lost or stolen or you suspect fraud, you must contact RBC Royal Bank immediately by calling the Risk Centre at 1-800-361-01521-800-361-0152 to report your mobile cards and/or smartphone as lost, stolen or compromised to fraud. In addition, you must also report it immediately to your mobile carrier to ensure your phone and/or SIM card isn’t used by an unauthorized person.
If your plastic card is lost or stolen, report it immediately by calling 1-800-769-25121-800-769-2512 and your card will be blocked.
Importantly, having your plastic card lost or stolen will not impact your RBC Wallet — you can continue to make mobile payments using your smartphone. To get your Client Card working again on your RBC Wallet, simply remove the card and then re-add it.
If you reset your smartphone or re-install the RBC Wallet app, just sign in and all the cards you had previously added should appear again.
Yes, a data connection is required to download the RBC Wallet app, set up your card information and make a mobile payment.
If you're experiencing technical problems with the RBC Wallet app, please call us at 1-800-769-25551-800-769-2555. We'll be happy to help.
If you don't see your card in the RBC Wallet it may not be eligible. You must have a personal RBC debit or credit card to use the RBC Wallet. For more information, give us a call at 1-800-769-25121-800-769-2512.
Check out Getting Started under How to Use for the list of eligible credit cards.
Before cancelling a smartphone service it's best to remove all credit and debit cards from your RBC Wallet and uninstall the RBC Wallet app. If you have already cancelled your service you can remove cards by using a WiFi network.
We continue to work with industry partners on mobile solutions that meet or exceed the expectations of our merchant and consumer clients. We see significant potential with our RBC Wallet and third party wallets as mobile payments technology matures.
In the past few years, we have seen a decline in BlackBerry use and a significant increase in Android use; therefore we have made the decision to focus on Android and iPhone devices for future mobile payment development.
We believe clients should have the choice about how they make their purchases. We're eagerly working towards adding MasterCard as a payment option in the RBC Wallet and hope to have it available to our clients in the near future.
The Gift Cards feature lets you conveniently use, buy and manage gift cards from within the RBC® Wallet app.
You can now:
- Add your plastic gift cards to the RBC Wallet
- Pay with your gift cards directly from your smartphone
- Buy gift cards
- Send gift cards to friends and family by email
- Track your gift card balances
- View gift card details and customer support information
- Keep a record of the gift cards activities completed through the RBC Wallet
Every gift card is different and the features available for each depend on the retailer. For example, some gift cards show balances. For more information, take a look at the specific retailer or service provider’s gift card terms and conditions.
There is no difference except the convenience of paying with your smartphone. Retailers accept plastic and digital gift cards.
Yes. We don’t charge you any service fees to use it.
The Gift Cards feature is available on NFC-enabled Android‡ devices across all wireless carriers. If your operating system is older than Android 4.4, you’ll need to update it before being able to use the feature.
To protect you, the Gift Cards feature and mobile payments aren’t available on rooted devices.
If you root your phone after setting up your RBC Wallet, you’ll lose access to the app and any cards that you have previously added. You can regain access to your cards once you return to factory settings.
Setup is simple and should only take a few minutes. Just open the RBC Wallet app and follow a quick setup process.
Not all retailers currently offer digital gift cards. You can use the RBC Wallet to get digital gift cards from these brands.
There are two ways to send a gift card to a friend:
- When you buy a new gift card, you’ll have the option to send it to someone—either at the moment of purchase or after you’ve added it to your RBC Wallet.
- When you remove a gift card that was purchased from your Wallet and still has a balance on it, we’ll ask you if you’d rather send it to a friend.
Once you’ve sent your gift card, it will no longer appear in your card list.
Unfortunately, we’re unable to recall a gift card that was sent by email. As long as your gift card hasn’t been added to another RBC Wallet, you’re able to resend it to a different email address by selecting “Activity” in the left-hand menu, opening the relevant entry in the list and tapping "Edit & Resend"
Always make sure to confirm the recipient’s email address is correct before sending a gift card.
You can resend it to the same or a different email address. Simply follow these steps:
- Go to “Activity” in the left-hand menu of the RBC Wallet
- Select the log entry of your previous attempt
- Tap on “Edit & Resend” to try again
Yes, gift cards you add are linked to you and will be waiting for you in the RBC Wallet on any eligible device. Simply sign in and your familiar gift card list will appear.
Since this is new to some retailers, it’s a good idea to hold onto it until the value on the card is fully redeemed.
Unfortunately, unless we made an error in processing your purchase, we can’t issue refunds.
Occasionally, we may send you free gift cards. It’s our way of saying thank you for using the RBC Wallet app.
Retailers change their gift card designs all the time. A bonus of having digital gift cards in the RBC Wallet is that they’ll always show the newest look.
Purchasing gift cards is subject to your Client Card Third Party Payment limits and your credit card account credit limit. The combined maximum daily limit for gift card purchases from your CAD Deposit Accounts and CAD Credit Card Accounts is CAD $3,000.
Gift card purchases are subject to your Client Card Third Party Payment limits for CAD deposit accounts and the credit limit on your credit card account(s), as applicable. The combined maximum daily limit for gift card purchases from your CAD deposit accounts and credit card accounts is CAD $3,000.
The Third Party Payment limit is your combined daily limit available for payments or fund transfers made to:
- Other RBC Royal Bank® clients through Telephone Banking, Online Banking and Mobile Banking
- RBC Royal Bank clients or clients of other Canadian financial institutions through Online and Mobile Banking using the ‡ e-Transfer service
- Merchants through Online Banking using the Online service
- Gift Card purchases made through Mobile Banking
Keeping your gift cards in the RBC Wallet is just as safe as using the plastic card. We ensure that your gift cards are securely stored while still being easily accessible to you.
For added protection, you need to set up a device passcode before you can use the RBC Wallet app.
Keep in mind that if someone can unlock your phone, they can access your gift cards. To protect your cards, remember not to share your device passcode with others.
No. Once you added your gift cards to the RBC Wallet, simply tap on a card and scan to redeem—no sign in required.
When downloading the RBC Wallet app, you'll be presented with a list of permission groups. RBC Wallet needs access to these permission groups so you can use all of its best features, like sending gift cards to someone on your contact list, click-to-call for help with your gift cards and to let you pay with a tap using Near Field Communications (NFC).
If your smartphone is lost or stolen, please contact:
- RBC Royal Bank Risk Centre at 1-800-361-01521 to report your device as lost, stolen or compromised
- Your mobile carrier to ensure your phone and/or SIM card cannot be used by an unauthorized person
- The gift card retailers to report gift cards added to or bought through the RBC Wallet app as lost or stolen
Once you re-install the RBC Wallet app on another phone, your gift cards will be available again for use as soon as you set up the Gift Cards feature. If you have previously opted to hide your gift card balances, you will need to change your settings again.
Just remember that your gift cards will still be available on your lost phone, even if you add them to a new device.
No, RBC is not the issuer of your gift card. Each retailer has different policies on securing the remaining funds on lost gift cards. We encourage you to contact the relevant retailer to learn more about their policy and to register your gift card (if possible) to make sure you’re protected.
In your RBC Wallet settings, you can choose to hide your gift card balances.
If you’re experiencing technical problems with the Gift Cards feature or the RBC Wallet app in general, please call us at 1-800-769-25551-800-769-2555.
No worries. All your gift cards will be waiting for you the next time you sign in to the RBC Wallet using your RBC Royal Bank Online Banking credentials.