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Personal Banking > Credit Cards > Managing Your Card > Chip and PIN

Chip & PIN Technology


Chip and PIN is the next evolution of electronic payments in Canada, helping to make an already safe credit card payment system even more secure.

Over the next few years RBC Royal Bank® and the Canadian payment card industry will introduce Chip and PIN technology for all personal and business credit and debit cards. Already in wide use around the world, this state-of-the art technology will provide enhanced protection for you against counterfeiting and card fraud because the embedded microchip is encrypted and virtually impossible to replicate. Used in combination with a Personal Identification Number (PIN) for transaction authorization (similar to what you do today with your debit card) your Chip and PIN credit card provides an added layer of protection because your PIN is unique to you.

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