{"id":893425,"date":"2020-12-30T11:39:01","date_gmt":"2020-12-30T16:39:01","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=893425"},"modified":"2025-08-28T14:41:57","modified_gmt":"2025-08-28T18:41:57","slug":"rbc-debit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card","title":{"rendered":"RBC debit card review"},"content":{"rendered":"<h3>Types of RBC debit cards<\/h3><p>There are two main types of RBC debit cards to choose from, depending on whether you want to shop in-store only or online too.<\/p><ul class=\"list-2\"><li><strong>The RBC Client Card.<\/strong> This is the default debit card that lets you shop with retailers in-store. It has no added benefits other than allowing you to make quick tap and mobile wallet payments.<\/li><li><strong>The RBC Visa Debit card.<\/strong> This is a virtual add-on RBC debit card that you can sign up for separately from the RBC Client Card. It lets you shop online with a card number, expiry date and CVV (just like a credit card). Shop in-store by adding the virtual card to your mobile wallet.<\/li><\/ul><h3>RBC debit card basics<\/h3><p>The RBC Client Card offers relatively few benefits and only lets you shop in-store. You\u2019ll have to sign up separately for the RBC Visa Debit card if you want to make purchases online.<\/p><ul class=\"list-10\"><li><strong>Fast payments.<\/strong> Tap your RBC Client Card to pay for purchases quickly in-store with any merchant set up to receive Interac Contactless Payments.<\/li><li><strong>Make purchases in the US.<\/strong> Use your RBC Client Card to make purchases with retailers across the US (although you may need to pay a fee for cross-border transactions).<\/li><li><strong>Link to your mobile wallet.<\/strong> Connect your RBC Client Card to your mobile wallet to pay in-store by swiping your mobile phone at checkout.<\/li><li><strong>Free RBC ATM withdrawals.<\/strong> Use your RBC Client Card to withdraw cash at RBC ATMs, or pay a small fee to take money out at non-RBC <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">ATMs across Canada and overseas<\/a>.<\/li><li><strong>Online shopping.<\/strong> Sign up for a RBC Visa Debit to make purchases online (you won\u2019t be able to use the RBC Virtual Visa Debit card to make purchases in-store unless you add it to your mobile wallet).<\/li><\/ul><h3>How to make purchases online with an RBC debit card<\/h3><p>You\u2019ll have to apply for an RBC Visa Debit separately from your RBC Client Card to make purchases online. Once you have your RBC Visa Debit, simply input your details as you would with a credit card. This includes providing your full name, card number and card details, such as your RBC debit card expiry date and RBC debit card CVV.<\/p><h4>Where to find the RBC debit card CVV<\/h4><p>You can find the three-digit CVV (also referred to as a security code, CVV2, CVC2 or CID) written on <strong>the back of your RBC debit card<\/strong> beside the signature box.<\/p><p><img decoding=\"async\" class=\"size-full wp-image-1019774 aligncenter\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png\" alt=\"Example of where to find the RBC debit card CVV\" width=\"425\" height=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2020\/12\/CVV-Credit-Debit-Card_Finder.png?fit=1275 1275w\" sizes=\"(max-width: 1275px) 100vw, 1275px\" loading=\"lazy\"><\/p><p>If you\u2019re having trouble finding the CVV on your RBC debit card, remember you can only find it on the RBC Visa Debit card, not the Client Card. That\u2019s because the RBC Client Card can only be used for in-person purchases, so it doesn\u2019t come with a CVV number.<\/p><p>If you want to use your debit card online, you\u2019ll need to get the RBC Visa Debit card, which is fully equipped with a CVV number.<\/p><h4>Why does my RBC debit card not have a CVV?<\/h4><p>Your RBC debit card might not have a CVV if it is a Client Card instead of a Visa Debit card. The Client Card does not have a CVV, because it can only be used for in-person purchases. If you want to use your debit card for online or over-the-phone shopping, you\u2019ll need to switch to RBC\u2019s Visa Debit card, which comes with a CVV.<\/p><h3>Which accounts come with an RBC debit card?<\/h3><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m  rewards--element-container rewards--container \" style=\"padding-bottom: 0px;\" data-product-id=\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\" data-product-name=\"RBC Signature No Limit Banking Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"RBC\" data-rewards-campaign-name=\"rbc_cafsa_chq_april_2026\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg\" class=\"lazy-load\" alt=\"RBC Signature No Limit Banking Account\" src=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5f8091e3f0d60.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info a1e23cc0-b6b4-41c2-9d0a-4293f4965664\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/rbc-signature-no-limit-banking-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22a1e23cc0-b6b4-41c2-9d0a-4293f4965664%22%2C%22product_name%22%3A%22RBC%2BSignature%2BNo%2BLimit%2BBanking%2BAccount%22%2C%22offer_id%22%3A%2226912%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22893425%22%2C%22post_path%22%3A%22banking%252Fdebit-cards%252Frbc-debit-card%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\/rbc-signature-no-limit-banking-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"a1e23cc0-b6b4-41c2-9d0a-4293f4965664\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>RBC Signature No Limit Banking Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Apple Watch Series 11 GPS<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Get the new Apple Watch Series 11 GPS (42 mm or 46 mm case with your choice from select bands) when you open your first RBC Signature No Limit Banking Account, plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. &lt;b&gt;Apply by June 1, 2026.&lt;\/b&gt; &lt;br \/&gt;&lt;br \/&gt;New subscribers only. After 3 months, the subscription automatically renews until cancelled. How to get your new Apple Watch: 1. Open an eligible RBC bank account by June 1, 2026. 2. Set up and complete two of the following by August 10, 2026: Your payroll or pension as a direct deposit, two pre-authorized monthly payments and\/or two eligible bill payments to a service provider. Terms and conditions apply.\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$16.95\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"u-grid__col u-1\/1 deals--container\">\r\n                  <div class=\"deals--rewards-container\">\r\n                    <div class=\"deals--container\">\r\n                      <div class=\"deals--rewards\">\r\n                        <h1 class=\"deals--rewards-tag\">Finder Reward<\/h1>\r\n                        <span><b>Get a $150 digital Visa gift card from Finder.<\/b> Become a Finder Member and open an RBC Signature No Limit Banking Account through Finder.<\/span>\r\n                      <\/div>\r\n                    <\/div>\r\n                    \r\n                      <a href=\"\/ca\/finder-rewards\/finder-rbc-signature-no-limit-banking-account-reward-promotion-terms-and-conditions-april-2026\" class=\"deals--rewards-terms\" target=\"_blank\" rel=\"noopener noreferrer\">T&amp;Cs apply.<\/a>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                One of RBC's most popular chequing accounts, the RBC Signature No Limit Banking Account offers a generous range of perks for a monthly fee. Benefits include unlimited transactions, free Interac e-Transfers (up to 999 per month), no monthly overdraft fee, free bank drafts, personalized cheques and an annual credit card fee rebate of up to $48. You'll also get several non-RBC ATM fee waivers per month.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>Unlimited debit transactions<\/li>\r\n                      \r\n                      <li>Non-RBC ATM rebates<\/li>\r\n                      \r\n                      <li>Free Interac e-Transfers<\/li>\r\n                      \r\n                      <li>Credit card fee waivers<\/li>\r\n                      \r\n                      <li>Earn RBC Avion points<\/li>\r\n                      \r\n                      <li>Overdraft protection<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Monthly fee<\/li>\r\n                      \r\n                      <li>Caps on certain perks<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-a1e23cc0-b6b4-41c2-9d0a-4293f4965664-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$16.95<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Apple Watch Series 11 GPS<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"Get the new Apple Watch Series 11 GPS (42 mm or 46 mm case with your choice from select bands) when you open your first RBC Signature No Limit Banking Account, plus get Apple Music and Apple Fitness+ at no cost for 3 months with your new Apple Watch. &lt;b&gt;Apply by June 1, 2026.&lt;\/b&gt; &lt;br \/&gt;&lt;br \/&gt;New subscribers only. After 3 months, the subscription automatically renews until cancelled. How to get your new Apple Watch: 1. Open an eligible RBC bank account by June 1, 2026. 2. Set up and complete two of the following by August 10, 2026: Your payroll or pension as a direct deposit, two pre-authorized monthly payments and\/or two eligible bill payments to a service provider. Terms and conditions apply.\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n<script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.6ec70bcedf09fe867824.js\" type=\"text\/javascript\" defer><\/script>\n        <script src=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/loyalty-rewards.b0cb3fb1ed8cdbcb523f.js\" type=\"text\/javascript\" defer><\/script>\n<link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/members\/prod\/rewards.17247608d72a863fd8c5.css\" type=\"text\/css\"><script type=\"text\/javascript\">window.rewardsConfigs = window.rewardsConfigs || {};window.rewardsConfigs[\"rbc_cafsa_chq_april_2026\"] = {\"startDate\":\"2026-04-01T08:00:00.000Z\",\"endDate\":\"2026-06-01T04:59:59.000Z\",\"showVisaLogo\":true,\"minimalUx\":true,\"countryCode\":\"CA\",\"bannerConfig\":{\"badgeText\":\"FINDER REWARDS EXCLUSIVE\",\"title\":\"Get $150 from Finder\",\"titleHighlight\":\"$150\",\"copyText\":\"Open an \\u003Cb\\u003ERBC Signature No Limit Banking Account\\u003C\\\/b\\u003E through Finder and receive a \\u003Cb\\u003E$150 digital Visa card\\u003C\\\/b\\u003E, plus qualify for RBC\\u2019s official welcome offer of a \\u003Cb\\u003Enew Apple Watch\\u003C\\\/b\\u003E. 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display: flex;\r\n    flex-direction: column;\r\n    text-align: left;\r\n    padding: 0px 0px 8px 0px;\r\n  }\r\n  \r\n  .deals--rewards-container{\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .deals--rewards {\r\n    background-color: #0a41ee;\r\n    border-radius: 12px;\r\n    padding: 12px;\r\n    color: white;\r\n    margin: 0 10px;\r\n    box-sizing: border-box;\r\n    p {\r\n          margin: 0;\r\n        }\r\n  }\r\n\r\n  .deals--rewards-tag {\r\n    display: inline-block;\r\n    background-color: white;\r\n    color: #1d53ff;\r\n    border-radius: 999px;\r\n    font-weight: 900;\r\n    font-size: 12px;\r\n    text-transform: uppercase;\r\n    margin-bottom: 8px;\r\n    box-sizing: border-box;\r\n    vertical-align: middle;\r\n    line-height: 1;\r\n    padding: 3px 8px 1px 8px;\r\n  }\r\n\r\n  .deals--rewards a:hover { color: unset; }\r\n  \r\n  .deals--rewards span {\r\n    font-size: 14px !important;\r\n    font-weight: 400;\r\n    line-height: 1.5;\r\n    color: white;\r\n    display: block;\r\n  }\r\n\r\n  .deals--rewards span b {\r\n    font-size: 14px !important;\r\n    font-weight: 800;\r\n    display: block;\r\n    line-height: 1.2;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .deals--rewards-terms {\r\n    font-size: 14px;\r\n    color: #232320;\r\n    margin-left: 10px;\r\n    margin-right: 10px;\r\n    margin-top: -2px;\r\n    font-weight: 400;\r\n    text-decoration: underline;\r\n    font-variant-numeric: lining-nums tabular-nums;\r\n  }\r\n<\/style>Other bank accounts that come with an RBC debit card include:<div class=\"has-padding-xsmall\"><\/div><ul><li>RBC VIP Banking Account<\/li><li>RBC Day to Day Banking Account<\/li><li>RBC Advantage Banking<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\" style=\"text-decoration:underline; font-size:0.9em;\">Explore new bank account offers &amp; promotions<\/a>\n<\/div>\n<\/article><h3>RBC debit card perks<\/h3><ul class=\"list-4\"><li><strong>Fee-free transactions.<\/strong> You won\u2019t pay fees to use either type of RBC debit card as long as the merchant or ATM you use doesn\u2019t charge convenience fees on their end.<\/li><li><strong>Earn Avion points with debit.<\/strong> Apply for an <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\">RBC chequing account<\/a>, such as the <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\/rbc-signature-no-limit-banking-account-review\">RBC Signature No Limit Banking Account<\/a> or <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\/rbc-vip-banking-account-review\">RBC VIP Banking Account<\/a>, to earn Avion points on your everyday purchases.<\/li><li><strong>Mobile banking.<\/strong> Manage your debit transactions on the go with the user-friendly RBC online and mobile banking app.<\/li><li><strong>Enhanced security.<\/strong> Protect yourself from fraud with security features like chip technology and transaction limits.<\/li><li><strong>Transaction records.<\/strong> Track your spending with a transaction record every time you use your RBC Client Card or RBC Visa Debit.<\/li><\/ul><h3>What to watch out for with the RBC Client Card<\/h3><ul class=\"list-13\"><li><strong>Transaction limits.<\/strong> You could have trouble making large purchases depending on your RBC debit card limits.<\/li><li><strong>No access to credit.<\/strong> Both types of RBC debit cards only let you access money that\u2019s already in your account. This means you can\u2019t use them to make purchases on credit, and you can\u2019t use your debit card to improve your credit score.<\/li><li><strong>Foreign transaction fees.<\/strong> Depending on your RBC chequing account, you may be charged for international transactions conducted in any currency other than CAD.<\/li><li><strong>Separate cards required.<\/strong> You\u2019ll need to sign up for two separate cards to make online and in-store purchases (whereas, debit cards with other banks are integrated).<\/li><\/ul><h3>What should I know before I apply?<\/h3><h4>Eligibility requirements<\/h4><p>You won\u2019t need to apply for an RBC Client Card, because you\u2019ll get one automatically if you meet the following criteria:<\/p><ul><li>You are a Canadian citizen, permanent resident or temporary resident of Canada.<\/li><li>You are applying for an RBC chequing or <a href=\"https:\/\/www.finder.com\/ca\/savings-accounts\/rbc-savings\">savings account<\/a> that qualifies for this card.<\/li><li>You have an RBC chequing account, <a href=\"https:\/\/www.finder.com\/ca\/banking\/open-bank-account-online\">which can be opened online<\/a>, at a local branch or by calling the RBC customer service line.<\/li><li>However, you will need to apply for an RBC Visa Debit separately by visiting your branch or calling the RBC customer service line.<\/li><\/ul><h4>Required documents and information<\/h4><p>To sign up for an eligible RBC bank account, you\u2019ll need to provide the following:<\/p><ul><li>Your name, residential status and contact information<\/li><li>Your Social Insurance Number and date of birth<\/li><li>Your email address and phone number<\/li><\/ul><h3>How to apply for an RBC Client Card<\/h3><ol><li>Visit RBC's website to choose your <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/rbc-chequing\">RBC chequing account<\/a> or RBC banking package, and start the application process.<\/li><li>Complete the application, which includes providing details like your name, email address, Social Insurance Number (SIN) and birth date.<\/li><li>Review and submit your application.<\/li><li>Your RBC Client Card should come automatically included with your account once you sign up (you won\u2019t need a separate application).<\/li><\/ol><h3>Most Canadians prefer banking with the Big Five\u2014but fintechs are gaining ground<\/h3><p>The Big Five Banks (TD, RBC, CIBC, BMO and Scotiabank) are still go-to financial institutions in Canada. According to our <em>Finder: Consumer Sentiment Survey January 2025<\/em>, over three in four Canadians (75.92%) prefer banking at a Big Five Bank over other traditional banks (26.67%), digital banks (48.25%) or credit unions (25.87%).<\/p><p>That being said, the fact that nearly half of Canadians embrace alternative online financial institutions suggests Big Banks may have to fight to hold on to their market share as time goes on. <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Learn more in our banking statistics report<\/a>.<\/p><iframe id=\"datawrapper-chart-v7Zqf\" title=\"What type of financial providers would you consider opening a bank account with?\" width=\"100%\" height=\"227\" scrolling=\"yes\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/v7Zqf\/1\/\" style=\"border: none;\" loading=\"lazy\"><\/iframe><h3>Bottom line<\/h3>RBC offers two separate debit cards, depending on how you want to spend money. The RBC Client Card can be used for in-store purchases, while the RBC Visa Debit may be the best fit for you if you want to make purchases online (or in-store by adding it to your mobile wallet). Both cards come with relatively few benefits compared to debit cards on offer from other <a href=\"https:\/\/www.finder.com\/ca\/banking\/big-five-banks\">Big Five Canadian banks<\/a>.<ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Where do I find the RBC Client Card CVV?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Unfortunately, the RBC Client Card does not have a CVV number, because it can only be used for in-person purchases. If you want to use your debit card to purchase items online or over the phone, you'll need to get the RBC Visa Debit card. Contact an RBC representative to request a RBC Visa Debit card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What is the RBC Client Card security code?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The RBC Client Card does not come with a security code. Instead, if you plan to use your debit card for online or over-the-phone purchases, you'll need to get a RBC Visa Debit card, which comes with a three-digit code security code on the back of the card near the signature box.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Where is the CVV on the online banking debit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can find the CVV code on online banking debit cards on the reverse side of the card near the signature box.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">How many digits are on the RBC Client Card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>RBC Client Cards typically have 16 digits on the front of the card, which is the unique card-identifier number. Each card also has a four-digit expiry date on the front of the card (two digits indicating the month and two digits for the year). Lastly, you'll find a three-digit CVV security code on the back of the card.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">What is the RBC debit card limit? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>The RBC debit card limit will vary depending on the RBC banking plan you have. You can call customer service or visit a branch to find out more about the RBC debit card limit on your RBC Client Card or RBC Visa Debit.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">Can I use my RBC debit card online? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes and no. It's not possible to use your RBC Client Card to shop online, but you can get an RBC Visa Debit card to make virtual, mail-order or phone purchases in addition to in-person shopping. The RBC Virtual Visa Debit card can be added to your mobile wallet for in-store shopping.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">What online purchases can I use my RBC Visa Debit for? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can use your RBC Visa Debit to shop with thousands of online merchants across Canada or in-store where mobile wallet payments are accepted. Much like a credit card, you can also use your RBC Visa Debit to make pre-authorized payments and pay for recurring bills. Just be aware that any money you spend will come directly from your bank account instead of from a pool of credit that you have to pay off later.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">How do I use my RBC Visa Debit to shop online?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><a href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-cards-work-online\">To shop online<\/a>, all you need to do is input your RBC Visa Debit number and full name. You'll also need to include your RBC debit card expiry date (and potentially your RBC debit card CVV, which is the three-digit number on the back of your card). Then, just hit checkout and wait for your card to process the payment directly from your bank account.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">Can I apply for an RBC debit card online? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>There's no need to apply for an RBC Client Card, as it will be automatically included when you sign up for most RBC chequing and savings accounts. To sign up for an RBC account, go to RBC's website. Once your account is set up, you can also sign up for an RBC Visa Debit by visiting a branch or calling RBC customer service.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_2048195361\" data-toggle=\"collapse\" data-target=\"#sources_2048195361\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_2048195361\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.rbcroyalbank.com\/banking-services\/debit-card.html\" target=\"_blank\">RBC: Debit Card, Accessed July 28, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.rbcroyalbank.com\/banking-services\/virtual-visa-debit\/index.html\" target=\"_blank\">RBC: RBC Virtual Visa Debit, Accessed July 28, 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/using-debit.html\" target=\"_blank\">Financial Consumer Agency of Canada: Using debit cards, Last modified October 25, 2022<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div><div class=\"has-padding-xsmall\"><\/div>\n<div class=\"contentFeed contentFeed--relatedPosts\">\n            <h3 class=\"contentFeed__title\">More banking guides from our experts<\/h3>\n        <div class=\"contentFeed__carousel\" data-post-count=\"3\">\n                                    <div class=\"fin-carousels fin-carousels--multiple-items-in-view\" id=\"fin-carousel0000000000\" data-items-in-view=\"3\" style=\"--items-in-view: 3\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n                                <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/03\/Bank-Canada_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"Bank Canada. Banking statistics in Canada.\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Banking<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/banking\/banking-statistics\">Banking statistics and trends in Canada for 2025<\/a>            <\/p>        <\/header>        <p>Explore key banking statistics and figures from the Finder: Consumer Sentiment Survey January 2025.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Best-No-Fee-Chequing-Accounts-4_Finder_450x250.jpg?fit=450 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\" alt=\"\" loading=\"lazy\">            <\/picture>        <\/a>    <\/figure>        <div class=\"luna-card__block\">                            <div class=\"contentFeed__pills\">                                                    <span class=\"contentFeed__pill contentFeed__pill--category\">Chequing Accounts<\/span>                            <\/div>                        <header>            <p class=\"luna-card__title luna-card__title--small\">                <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/best-no-fee-chequing-accounts\">Best free (no-fee) chequing accounts in Canada for 2026<\/a>            <\/p>        <\/header>        <p>Compare the features of 8 of the best no-fee chequing accounts in Canada, and find out how to avoid transaction fees.<\/p>                    <\/div>        <\/article>            \n<\/div>\n                    <div class=\"fin-carousel-item\">\n                <article class=\"luna-card luna-card--stretch\">        <figure class=\"luna-card__figure\">        <a href=\"https:\/\/www.finder.com\/ca\/banking\/new-bank-account-offers\">            <picture>                <source type=\"image\/webp\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=180&amp;webp=1 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=360&amp;webp=1 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=450&amp;webp=1 450w\" data-sizes=\"(max-width: 600px) 100vw, 35vw\"><\/source>                <img decoding=\"async\" class=\"luna-image\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg\" data-srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2023\/03\/Bestnewbankaccountoffers_Finder_450x250.jpg?fit=360 360w, 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\n<\/div>\n                \n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Apply for a debit card with this Big Five bank to make purchases online or in-store directly from your bank account.<\/p>\n","protected":false},"author":474,"featured_media":1047748,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/rbc-debit-card","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[5885],"tags":[107302,107362],"asset_tag":[],"class_list":["post-893425","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit-cards","tag-cst-research","tag-finder-score"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBC Debit Card Review: Features, CVV &amp; More | Finder Canada<\/title>\n<meta name=\"description\" content=\"Make instant payments with an RBC debit card, or sign up for an RBC Virtual Visa Debit to make purchases online. Learn more and apply today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBC Debit Card Review: Features, CVV &amp; More | Finder Canada\" \/>\n<meta property=\"og:description\" content=\"Make instant payments with an RBC debit card, or sign up for an RBC Virtual Visa Debit to make purchases online. Learn more and apply today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-30T16:39:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2020\/04\/RBC_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Claire Horwood\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claire Horwood\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\"},\"author\":{\"name\":\"Claire Horwood\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/252a43e10a819c05764a610c2b59e414\"},\"headline\":\"RBC debit card review\",\"datePublished\":\"2020-12-30T16:39:01+00:00\",\"dateModified\":\"2025-08-28T14:28:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\"},\"wordCount\":3380,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2020\/04\/RBC_Supplied_1800x1000.jpg\",\"articleSection\":[\"Debit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"RBC: Debit Card, Accessed July 28, 2025\",\"url\":\"https:\/\/www.rbcroyalbank.com\/banking-services\/debit-card.html\"},{\"@type\":\"CreativeWork\",\"name\":\"RBC: RBC Virtual Visa Debit, Accessed July 28, 2025\",\"url\":\"https:\/\/www.rbcroyalbank.com\/banking-services\/virtual-visa-debit\/index.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Financial Consumer Agency of Canada: Using debit cards, Last modified October 25, 2022\",\"url\":\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/using-debit.html\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\",\"url\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card\",\"name\":\"RBC Debit Card Review: Features, CVV & More | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2020\/04\/RBC_Supplied_1800x1000.jpg\",\"datePublished\":\"2020-12-30T16:39:01+00:00\",\"dateModified\":\"2025-08-28T14:28:52+00:00\",\"description\":\"Make instant payments with an RBC debit card, or sign up for an RBC Virtual Visa Debit to make purchases online. 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If you want to use your debit card to purchase items online or over the phone, you'll need to get the RBC Visa Debit card. Contact an RBC representative to request a RBC Visa Debit card.\\r\"}},{\"@type\":\"Question\",\"name\":\"What is the RBC Client Card security code?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rThe RBC Client Card does not come with a security code. 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Instead, if you plan to use your debit card for online or over-the-phone purchases, you'll need to get a RBC Visa Debit card, which comes with a three-digit code security code on the back of the card near the signature box.\r"}},{"@type":"Question","name":"Where is the CVV on the online banking debit card?","acceptedAnswer":{"@type":"Answer","text":"\rYou can find the CVV code on online banking debit cards on the reverse side of the card near the signature box.\r"}},{"@type":"Question","name":"How many digits are on the RBC Client Card?","acceptedAnswer":{"@type":"Answer","text":"\rRBC Client Cards typically have 16 digits on the front of the card, which is the unique card-identifier number. Each card also has a four-digit expiry date on the front of the card (two digits indicating the month and two digits for the year). Lastly, you'll find a three-digit CVV security code on the back of the card.\r"}},{"@type":"Question","name":"What is the RBC debit card limit? ","acceptedAnswer":{"@type":"Answer","text":"\rThe RBC debit card limit will vary depending on the RBC banking plan you have. You can call customer service or visit a branch to find out more about the RBC debit card limit on your RBC Client Card or RBC Visa Debit.\r"}},{"@type":"Question","name":"Can I use my RBC debit card online? ","acceptedAnswer":{"@type":"Answer","text":"\rYes and no. It's not possible to use your RBC Client Card to shop online, but you can get an RBC Visa Debit card to make virtual, mail-order or phone purchases in addition to in-person shopping. The RBC Virtual Visa Debit card can be added to your mobile wallet for in-store shopping.\r"}},{"@type":"Question","name":"What online purchases can I use my RBC Visa Debit for? ","acceptedAnswer":{"@type":"Answer","text":"\rYou can use your RBC Visa Debit to shop with thousands of online merchants across Canada or in-store where mobile wallet payments are accepted. Much like a credit card, you can also use your RBC Visa Debit to make pre-authorized payments and pay for recurring bills. Just be aware that any money you spend will come directly from your bank account instead of from a pool of credit that you have to pay off later.\r"}},{"@type":"Question","name":"How do I use my RBC Visa Debit to shop online?","acceptedAnswer":{"@type":"Answer","text":"\r<a href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-cards-work-online\">To shop online<\/a>, all you need to do is input your RBC Visa Debit number and full name. You'll also need to include your RBC debit card expiry date (and potentially your RBC debit card CVV, which is the three-digit number on the back of your card). Then, just hit checkout and wait for your card to process the payment directly from your bank account.\r"}},{"@type":"Question","name":"Can I apply for an RBC debit card online? ","acceptedAnswer":{"@type":"Answer","text":"\rThere's no need to apply for an RBC Client Card, as it will be automatically included when you sign up for most RBC chequing and savings accounts. To sign up for an RBC account, go to RBC's website. Once your account is set up, you can also sign up for an RBC Visa Debit by visiting a branch or calling RBC customer service.\r"}}]}]},"article_modified_time":"2025-08-28T14:28:52+00:00"},"hrefLangLinks":[{"region":"Canada","locale":"en-ca","url":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/rbc-debit-card","isCurrentSite":true}],"custom_fields":{"_masthead_subheading":["{\"text\":\"Make instant payments with your everyday RBC Client Card, or sign up for the RBC Visa Debit to make purchases online.\"}"],"_content_type":["niche-content\/recommendation\/product-review"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"custom_post_template":["single-product-review.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/893425"}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/474"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=893425"}],"version-history":[{"count":11,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/893425\/revisions"}],"predecessor-version":[{"id":1019765,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/893425\/revisions\/1019765"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1047748"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=893425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=893425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=893425"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=893425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}