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Personal Banking > Bank Accounts > Managing Your Bank Accounts > Payment Services > Virtual Visa Debit

RBC® Virtual Visa Debit

Pay for your online purchases with a debit card

Whether you don’t have a credit card or simply prefer to pay with debit, RBC Virtual Visa Debit gives you another payment option — pay for online, telephone or mail order purchases directly from your bank account1.

Benefits To Paying with Virtual Debit (opens new window)

How it works (opens new window)


An Example of RBC Virtual Visa Debit In Action

julia the mother


The Mother

  • 44 year-old mom, juggling family and career
  • Shops online to save time and prefers to pay with debit over credit whenever possible

Solution for Julia

RBC Virtual Visa Debit

RBC Virtual Visa Debit

valerie the daughter


The Daughter

  • 17-year old high school student who loves buying music and apps
  • Tired of asking for mom’s credit card to buy a $2 tune every time
  • Wants to give back when she can

Solution for Valerie

Free The Children Virtual Visa Debit

Free The Children Virtual Visa Debit


Request Your Virtual Visa Debit or Free The Children Virtual Visa Debit Today!

Call us at 1-800-769-2511


 FAQs on Virtual Visa Debit     Sample of Top Canadian Online merchants (opens external website in new window)     Virtual Visa Debit Card Holder Agreement (opens PDF in new window)


Benefits To Paying with Virtual Debit

  • Smart money management – track your spending easily Smart money management – track your spending easily since funds are debited from your account at the time of purchase
  • Worldwide Acceptance Worldwide Acceptance - Accepted at tens of thousands of Canadian online retailers and over a million retailers around the world
  • Free The Children Virtual Visa Debit Free The Children Virtual Visa Debit – RBC donates a portion of every purchase in support of Free The Children’s global initiatives.
  • Security and protection Security and protection with 24/7 fraud monitoring2 and Zero Liability, provided you have taken reasonable precautions to protect your Reference Card and your Virtual Visa Debit Number3
  • No annual fee and <strong>unlimited No annual fee and unlimited Virtual Visa Debit transactions. These purchases do not count towards any of your monthly allowable debits4.
  • Access & Availability Access & Availability – Available to anyone aged 14 and up, this debit card compliments your RBC Client card as you can use it to shop online, by phone or by mail

How it works

  • When you make an online purchase, simply select “Visa” or “Visa Debit” as a payment option
  • Provide your RBC Virtual Visa Debit Number, including the expiry date and CVV2 (the 3-digit secure code on the back)
  • Provide your name and billing address.
  • Obtain payment confirmation and you are done!
  • Funds will be automatically debited from your RBC Royal Bank banking account at time of merchant authorization.