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You can use your RBC Royal Bank Debit Card to make debit purchases at retailers and businesses throughout the United States.
The Cross-Border Debit service is an easy and secure alternative to carrying large amounts of cash when you travel. All you need is your debit card and Personal Identification Number (PIN) to access your primary Canadian banking or savings account1 and make purchases at any of the 1,000,000 merchants in the U.S.
Cross-Border Debit typically costs $1.00 per transaction, although depending on your banking package, you may already have this service included.
PLUS System ATM Network
You can use your RBC Debit Card at ATMs across the U.S. that show the PLUS System logo2.
PLUS System ATM Fees
Attention:Travel Tips
- When using your Debit Card outside of Canada, make sure you have a Chip and Flash-enabled Debit Card.
- Make sure your PIN is composed of four numbers as many international ATMs and retailers only accept a four-digit numeric PIN.
- To ensure you always have access to funds, carry more than one form of payment, such as a credit card or some local currency.
Cross-Border Banking Solutions
If you’re travelling south of the border, skip the tricky conversions and foreign transaction fees. Make banking easier with U.S. Bank Accounts and U.S. Credit Cards for Canadians.
Frequently Asked Questions
RBC Royal Bank® Client Cards are widely accepted not only in the U.S but around the world at ATMs that display the PLUS‡ symbol. Wherever you go, you have quick and convenient access to your Canadian dollar accounts.
Outside of Canada, many financial institutions only accept 4-digit PINs. If you use a PIN longer than this, you should change it before you travel. Visit any RBC Royal Bank branch to update your PIN.
Go to our Exchange Currency Converter to get the latest foreign exchange rates.
1)
Foreign currency purchases are converted to Canadian Dollars at an exchange rate 2.5% over the Interbank Spot Rate (as defined by Acxsys Corporation) in effect at the time of processing. Since exchange rates fluctuate, the rate applied will usually differ from a posted exchange rate at the time of your purchase.
2)
PLUS System ATM fees and Foreign Exchange fees will be applied at the time of your withdrawal.
Interac and PLUS System ATM Fees
When you use your RBC Client Card at an RBC Royal Bank banking machine, you only pay the applicable service fees for the transaction you are performing. However, when you use another operator's ATM, additional fees (as outlined below) may apply, depending on your bank account or package with us.
| ATM Network | RBC Royal Bank Fee |
|---|---|
| Interac | $2.00 |
| PLUS System (within USA) | $3.00 |
| PLUS System (outside Canada and USA) | $5.00 |
Some ATM operators also apply a surcharge (or convenience fee) to use their banking machine. In Canada, all banking machine operators must notify you when they apply a convenience fee. The notice will appear on the screen before you complete your transaction, giving you the choice to proceed or not. This convenience fee is not an RBC Royal Bank fee. It is added directly to your withdrawal amount at the time of the withdrawal and goes directly to the ATM operator. RBC Royal Bank does not collect any portion of the convenience fee. For this reason, all clients who use these ATMs will be charged the convenience fee, regardless of the type of package or account they hold.
