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Personal Banking > Bank Accounts > Managing Your Bank Accounts > Payment Services > Cross-Border Debit

Cross-Border Debit

Shopping South of the Border Is Now Just as Convenient as Shopping Here at Home!

You can now use your RBC Royal Bank® chip Client Card to make debit purchases at retailers and businesses throughout the United States.

RBC's Cross-Border Debit service is an easy and secure alternative to carrying large amounts of cash when you travel. All you need is your Client Card and Personal Identification Number (PIN) to access your primary Canadian banking or savings account* and make purchases at any of the 1,000,000 merchants in the U.S. that use the NYCE network.

Cross-Border Debit costs $1.00 per transaction, although depending on your banking package, you may already have this service included.


Travel Tip

If you plan on using your Client Card outside Canada, ensure you have a chip Client Card and consider selecting a PIN composed of four numbers as many international ATMs, and retailers only accept a four-digit numeric PIN. To ensure ultimate convenience and accessibility to funds, you should carry more than one form of payment, such as a credit card or some local currency.

Note: Interac Flash is not available at non Flash-enabled terminals and outside Canada.


Trademark of Interac Inc. Used under licence.
* Foreign currency purchases are converted to Canadian Dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corporation) in effect at the time of processing. Since exchange rates fluctuate, the rate applied will usually differ from a posted exchange rate at the time of your purchase.