Introducing the New Debit Card

The same convenience with a new look and feel. Beyond a modern, premium design, your new debit card comes with enhanced features. Here’s what’s new:

  • Improved security: With the card number moved to the back, it’s hidden when the card is in the chip reader or in your wallet, giving it a new level of security.
  • Modern look reflects banking today: The card’s flat thermal printing means there are no raised numbers – a feature no longer necessary in today’s banking environment.
  • Premium design: With bold new colours and design elements, your new debit card has a striking look that will stand out in your wallet.

Whether you have the new or old design, your debit card has the same functionality and is a simple, convenient and secure way to pay.

Interac Contactless Payment and Chip Technology

Chip technology and Interac Contactless Payment is the evolution of electronic payments in Canada, helping to make an already safe card payment system even more secure.

What is Interac Contactless Payment?

What is Interac Contactless Payment?

Interac Contactless Payment allows you to tap and pay for everyday purchases quickly and securely without having to swipe or insert your debit card. This feature is included on your RBC Royal Bank Client Card for no added fee.

How to Tap and Pay

You can use Interac Debit to tap and pay for up to $250 per transaction on gas, groceries or other purchases at a variety of retailers.

Step 1

Look for the Interac contactless symbol

Step 2

Hold the contactless symbol on your card to the secure card reader

Step 3

Wait for the approval and you’re done!

Use Your Mobile Phone to Pay With Interac Contactless Payment

Simply add your personal RBC debit or credit cards to your mobile device to make day-to-day purchases with a tap.

Learn more about Mobile Pay

What is Chip Technology?

Your RBC Chip Client Card contains an embedded microchip that is encrypted and virtually impossible to replicate. This provides significant protection against card counterfeiting and fraud. The chip on your card works together with your Personal Identification Number (PIN) to ensure a highly secure transaction.

How to Use a Chip Client Card

Step 1

Insert your card into the terminal and leave it there

Your card should never leave your sight. This helps to further reduce the risk of fraud.

Step 2

Follow the prompts and enter your PIN

You're the one in control of the transaction process. Cover the keypad to protect your PIN

Step 3

Wait for approval, then remove your card

Done! The overall process is quick and easy.

Note: If the store or restaurant does not yet have a chip-enabled terminal, swipe and enter your PIN as usual.

Your Money is Always Safe

Safeguarding you from fraud is among our highest priorities. We offer a diverse range of security measures to ensure the safety, confidentiality and integrity of your information and transactions.

Learn About Security at RBC

Frequently Asked Questions

No matter what your debit card looks like, if it’s current and hasn’t been locked or reported lost or stolen, it still works! You will only be sent a new one if a replacement card is requested.

The designs for some RBC debit cards were updated in 2023. Even if the design is different, all features that you enjoyed on your old card will still be there on the new card.

The new card design will be updated in the mobile wallet in November 2023. For some, the mobile wallet version and the physical card will look different. They both function exactly the same way, even though they may look different. Eventually, you will receive the new card and the two cards will match.

Some RBC debit cards now have the card number, expiry date, and issue number printed on the back of the card.

The printing technology takes regular wear and tear into account. If you’re unable to read your name and card number, you can easily request a replacement card through RBC Online Banking.

Steps to replace your debit card

In the meantime, you can find your card number in the RBC Mobile app and in RBC online banking.

Tactile option is available. Please contact us as 1-800-769-2511 and an Advisor will be able to help.

Your replacement card is still a Client Card that supports Interac debit and contactless payments. The designs for some RBC debit cards were updated in 2023 and your card includes all the features that you enjoyed on your old card.

You will receive your new card in the mail approximately 5 business days in advance of yourcard expiry date. If you have not received your card within 5 business days of expiration, please contact us at 1-800-769-2511.

Your new card does not require a signature. It’s ready for use once you receive it.

Yes, you can use your RBC Debit Card at ATMs across the U.S. that show the PLUS System logo. Additional ATM fees may apply depending on your bank account or package with us. You can also use your RBC Royal Bank Client card to make debit purchases at retailers across the U.S. that are on the NYCE payment network.

Learn More about Cross-Border Debits

You can easily replace a damaged debit card in RBC Online Banking.

Steps to replace your debit card

Note: Client Card replacement fee may apply. Refer to Additional Account Services for details

You should lock your card right way. You can lock your card through the RBC Mobile app and RBC Online Banking.

Learn how to lock your card

Report your lost or stolen card online by following a few simple steps. Your credit card will then be cancelled and we will issue you a new one.

Note: Client Card replacement fee may apply. Refer to Additional Account Services for details

Your PIN can be changed at any RBC Royal Bank ATM. To reset a forgotten PIN, please visit an RBC Royal Bank Brach. Remember to bring 2 valid pieces of ID with you.

Find a branch or ATM near you

Contactless Payment is one of the safest methods of payment today. Safe-guards such as transaction limits, EMV technology, and real-time transactions work to protect you.

Learn more about Interac contactless Security

Some locations may charge a convenience fee and will post a message on the screen when they do. Always read the screens carefully before you complete your transaction.