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RBC Virtual Visa Debit

With the Virtual Visa Debit card you can have freedom to shop online with debit using the funds directly from your bank account. Safely shop at thousands of merchants where Visa is accepted.

It’s easy to start using your Virtual Visa Debit.

Instantly activate using the RBC Mobile app

The Debit Card That Lets You Shop Online

Why Choose Virtual Visa Debit

  • Convenience

    You can use your Virtual Visa Debit card anywhere Visa is accepted online, including retailers like Amazon(), Uber, iTunes and Netflix. Earn Rewards points on everyday debit purchases with RBC Vantage.

    You can use your Virtual Visa Debit card anywhere Visa is accepted online, including retailers like Amazon, Uber, iTunes and Netflix. Earn Rewards points on everyday debit purchases with RBC Vantage.

  • Digital Access

    Instantly activate your Virtual Visa Debit card through the RBC Mobile app and access your card credentials at any time for added convenience.

    Instantly activate your Virtual Visa Debit card through the RBC Mobile app and access your card credentials at any time for added convenience.

  • Control

    By paying directly from your account, you can feel in control of your finances at all times. It’s easy to track your spending and there’s no bill at the end of the month to worry about. Plus, your purchases don’t count toward your monthly account transactions, so you’re free to use your card as much as you want.

    By paying directly from your account, you can feel in control of your finances at all times. It’s easy to track your spending and there’s no bill at the end of the month to worry about. Plus, your purchases don’t count toward your monthly account transactions, so you’re free to use your card as much as you want.

  • Peace of Mind

    There’s comfort in knowing you’re living within your means. Plus, paying with Virtual Visa Debit is safe and secure ⎯ with 24/7 fraud controls and zero liability protection on your purchases.

    There’s comfort in knowing you’re living within your means. Plus, paying with Virtual Visa Debit is safe and secure ⎯ with 24/7 fraud controls and zero liability protection on your purchases.

How it Works

Instant Digital Activation and Access

Download the RBC Mobile app and sign in using your Client Card number and password

After selecting your primary chequing account, select the Manage Cards page (⋮ menu at top), and choose your primary Client Card number

Choose ‘Activate your Virtual Visa Debit’ or ‘View Virtual Visa Debit’

Follow the prompts to activate/view your Virtual Visa Debit card

When you’re ready to make an online purchase, choose “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).

Enter your name and billing address.

Get a confirmation and you’re done!

Funds will be automatically debited from your RBC Royal Bank banking account at time of merchant authorization.

Frequently Asked Questions

No. RBC Virtual Visa Debit allows you to pay for your online purchases directly from your banking account. This is the account that you access by selecting “Chequing” when you make a purchase with your RBC Royal Bank Client Card4.

For added convenience, you can instantly activate a new RBC Virtual Visa Debit card through the RBC Mobile App. Once activated, you will no longer require a physical reference card and can access your Virtual Visa Debit credentials at any time in the Mobile app.

If you already have a physical RBC Virtual Visa Debit card, your card credentials will be available in the RBC Mobile App for you to access at any time.

You can find your RBC Virtual Visa Debit card credentials:

  • Personal Chequing Account Summary page by clicking the “View Virtual Visa Debit” link, or
  • Personal Chequing Manage Cards page by clicking the “View Virtual Visa Debit” link

Once you have revealed your digital credentials, you can easily copy your card number into a browser for a quick and easy checkout.

Clients must be 14 years of age or older and have an active personal, Canadian dollar deposit account and an active RBC Royal Bank Client Card in order to receive a RBC Virtual Visa Debit Number. RBC Virtual Visa Debit is not available to business clients.

There is no annual fee charged for your RBC Virtual Visa Debit Number or Reference Card. In addition, any purchases or recurring payments made with your Virtual Visa Debit Number will not count against the monthly debit transaction limits applicable to your personal deposit account3.

Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

It’s Easy To Get Your Virtual Visa Debit Card

Virtual Visa Debit

Your Virtual Visa Debit card is already linked to your account as a free feature. Simply give us a call, visit a branch or use the RBC Mobile app to get yours today.

Instantly activate using the RBC Mobile app
Find a Branch
Call 1-800-769-2511

All other trademarks are the property of their respective owner(s).
This is the account you access with your RBC Royal Bank Client Card when you select the "Chequing" option on a merchant payment terminal or at an automated teller machine. RBC Virtual Visa Debit is not available to business clients.
When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations
Debit transactions made using your RBC Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.
When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement for further details.
Trademark of Visa Int., used under license.