Chip-enabled debit cards

Better protection from fraud

Use your chip-enabled debit card to pay for just about anything.

From your morning latte to movie tickets, your debit card is perfect for smaller purchases. Plus you can get cash at thousands of no fee ATMs¹ or choose cash back at large retailers like grocery stores. Just select “debit”, and enter your Personal Identification Number (PIN) and follow the prompts.

 Just like the cards used in Canada today, the embedded microchip on your card will be encrypted and virtually impossible to replicate.

 To ensure your debit card can be used everywhere Visa is accepted, your RBC Bank Debit card includes a magneic stripe on the back of the card. This allows you to use your card where chip terminals are yet not in place.


Where can I use my chip-enabled debit card?
Your new chip-enabled card will be accepted worldwide wherever you see the Visa‡ or NYCE logo, including ATMs, just like your card is today.

What if a merchant terminal is not yet chip-enabled? Can I still use my card?
Yes, you can still swipe your card to pay for purchases.

What should I do with my old (non-chip) debit card?
When you receive your new chip debit card, activate it immediately and destroy your old card.

Are there additional fees associated with chip-enabled cards?
No. This upgraded technology is provided by RBC Bank at no cost to you.

Can I use my chip-enabled card at ATMs?
Yes. Your chip card is accepted at ATMs.

Will my chip card be accepted overseas?
Yes. Your chip card is accepted overseas and provides you greater security while traveling. To pay for purchases at merchants without chip-enabled terminals, simply swipe your card and follow the instructions on the terminal.

Haven't received your chip-enabled debit card yet?
Here's what you need to know.

When will I receive my new chip-enabled card?
You can expect to receive your new debit card with chip technology about a month before your current card expires. It will be mailed to the address associated with your RBC Bank (U.S.) account. If you need to update your mailing address, please update it in Online Banking or call 1-800-769-2553 to speak with an advisor. 

Will my card information change when I receive my chip-enabled card?
Your existing debit card number and PIN will not change. However, the expiration date and security code on the back of your card will change.

I have recurring payments set up on my current (non-chip) RBC Bank Debit card. Will those be affected when I receive a chip-enabled debit card?
Your debit card account number will not change, however you should notify automatic payment merchants of the new expiration date on your chip card.

Are there additional fees associated with chip-enabled cards?
No. This upgraded technology is provided by RBC Bank at no cost to you.

‡ All other trademarks are the property of their respective owner(s).

1 Standard account fees and transaction limitations will apply. To find a no-fee ATM near you visit If you can't find a no-fee ATM nearby, you can use your RBC Bank Debit card for cash back with your purchases at many larger retail merchants such as grocery stores, or visit any U.S. ATM and request a refund of the ATM fee. Refund requests are subject to limitations, refer to the Personal Schedule of Fees for details.