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Chip and PIN Technology

How it Works

Paying with your chip and PIN credit card is just 3 easy steps:

Step 1

Insert your card into the terminal and leave it there

Insert with the chip facing up

Step 2

Follow the prompts and enter your PIN

Be sure to cover the terminal keypad from wandering eyes

Step 3

Wait for approval, then remove your card

Most terminals beep when the transaction is complete. Don’t remove your card before you’re prompted as it could cancel the transaction

Concerned about Credit Card Fraud?

Rest easy! Provided you’ve been responsible in protecting your card and PIN, you’re protected against any fraudulent or unauthorized use of your card both in-store and online.

Frequently Asked Questions

They hold your card number, expiry date and name embedded within an encrypted microchip to keep your information private and secure. To learn more on how we keep your information safe, view our RBC Privacy Policy.
Anywhere in the world where credit cards are accepted. If you’re using your card at a location that doesn’t have a chip-enabled terminal, simply swipe your card and sign your name.
Yes. For retailers who do not have chip-enabled terminals, just swipe and sign.
Yes, but you won’t need your PIN for online or phone transactions, so be sure never to share it – even to a bank representative. Most telephone and online transactions usually require the 3 digit verification code on the back of your card to complete your purchase.
All RBC personal and business credit and debit cards contain chip and PIN technology.
It’s possible that your card could be damaged or it could just be dirty. Wipe the chip clean and try your payment again. If that doesn’t work, visit an RBC Branch so we can help you.
You’ll be assigned a new PIN in the mail separately from receiving your credit card. If you already have an RBC debit card, the PIN on your credit card will be set to match your debit card.

If you don’t know your PIN, you can visit any RBC Branch with two valid pieces of ID to change or reset your PIN.
The PIN on your credit card was matched to your RBC client card PIN for your convenience. If you have any concerns, you can always change your PIN by visiting an RBC Branch.
If you'd like to change the PIN, or if you've forgotten your PIN, simply visit an RBC branch with two valid pieces of ID.
Yes, you can swipe your card at non chip-enabled terminals anywhere in the world where credit cards are accepted.
Yes but some terminals and ATMs overseas won’t accept a PIN with more than 4 digits, so be sure to change it before you go.
For questions or concerns about your RBC chip and PIN credit card, please contact us at 1-800-769-2512.