Cross-Border Debits

You can use your RBC Royal Bank^® 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 chequing or savings account¹ and make purchases at any of the 1,000,000 merchants in the U.S. that use the NYCE network.

TRAVEL TIP: If you plan on using your Royal Bank Client Card outside Canada, consider selecting a PIN composed of four numbers as many international ATMs and retailers only accept a four-digit numeric PIN.

1) 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.