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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

It holds your card number, expiry date, name and PIN, and other data embedded within an encrypted microchip to keep your information private and secure. The encrypted microchip validates the card and protects you against fraudulent transactions. 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. However, if you already set a PIN for an RBC card in the past, this PIN on your new credit card will be set to match.

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. If you simply want to update the PIN you know, you can also visit any RBC ATM.
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 or RBC ATM.
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, or an RBC ATM.
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.