Your guide to the RBC Right Pay Visa Prepaid Card

You can easily access your social assistance payments using the RBC Right Pay Visa Prepaid card. However, you might need to pay extra to send money abroad – and you can’t use your card at unattended gas pumps.

This is where Wise comes in!

We’ll explore everything you need to know about the RBC Right Pay card, including key features, fees, and how to use your card.

We’ll also take a look at Wise, your international money transfer alternative. Spend money in over 40 currencies at the mid-market exchange rate.

We'll look at:

Key features of the RBC Right Pay Visa prepaid card How to get and set up the RBC Right Pay Visa prepaid card Making international transfers and payments with the RBC Right Pay Visa card How to make purchases with the RBC Right Pay Visa card How to return purchases made with the RBC Right Pay Visa card How to pay your bills with the RBC Right Pay Visa card How to withdraw cash with the RBC Right Pay Visa card What are the limits on the RBC Right Pay card? Watch out for these fees on the RBC Right Pay Visa card Want to avoid currency conversion fees when you shop online abroad? Try Wise! How to replace a lost RBC Right Pay card

Key features of the RBC Right Pay Visa prepaid card

The RBC Right Pay Visa Prepaid card is a reloadable card that lets you spend your social assistance payments in person and online.¹

You can use your card to:

• spend across the world
• pay anywhere that accepts Visa® payments
• make ATM cash withdrawals¹

Using your RBC Right Pay card is easy. Your social assistance provider loads funds directly to your card, so you can spend or withdraw them whenever you want. .²

Unlike a credit card, you can only spend money you have. You can also track your balance and transaction history and receive alerts when your social assistance payments are added to your card.²

You can use your RBC Right Pay Visa anywhere that accepts Visa payments. This includes online and in-person retailers.  You can also pay bills, such as your cell phone or household utilities.

However, you can’t use your RBC Prepaid card at unattended gas pumps or parking terminals – and your card may be blocked at certain restricted websites.³

How to get and set up the RBC Right Pay Visa prepaid card

To qualify for your RBC Right Pay Visa Prepaid card, you must be eligible for government payments from the Province of Ontario or an Ontario Works® delivery agent.³

You also need to activate and set up your card before making payments online or in person. Log into your online RBC Right Pay account and enter your card number to get started.⁴

Next, you need to choose a 4-digit Personal Identification Number (PIN). Make sure to keep your PIN secure, as you’ll need it to access your money.²

Making international transfers and payments with the RBC Right Pay Visa card

It’s easy to make international transfers and payments with your RBC Right Pay Visa card. Let’s take a look at everything you need to know.

How to make purchases with the RBC Right Pay Visa card

You’ll need to check your RBC Right Pay card balance before making a purchase to ensure you have enough money in your account.

The retailer will ask if you want to make a “debit” or “credit” payment. Select “credit” and enter your PIN at the card terminal to complete your purchase.²

When paying for services like hotel reservations, it’s important to remember that the retailer may pre-authorize your card for the bill, plus a 20% estimated tip. The retailer may decline your transaction if you don’t have the full amount in your account.³

How to return purchases made with the RBC Right Pay Visa card

You can also return purchases made with your RBC Right Pay card. Speak to the retailer about their return policy, and you should receive your refund within 3 business days.²

For foreign refunds, the amount refunded may differ from the original due to changes in the exchange rate. This means, you may not get a refund of any RBC conversion fees. ³

How to pay your bills with the RBC Right Pay Visa card

You can use your RBC Right Pay card to pay your bills as long as your provider accepts Visa payments.

Simply transfer money directly to your bill provider online, in person, or by phone. .²

How to withdraw cash with the RBC Right Pay Visa card

You can use your RBC Right Pay card to withdraw cash from an ATM. Enter your PIN at the machine and select “withdrawal” from “chequing”.²

RBC ATM terminals offer you 4 free withdrawals; however, you pay 2 CAD per withdrawal after that. Non-RBC ATMs also charge you 2 CAD per withdrawal. .³

What are the limits on the RBC Right Pay card?

You can only withdraw 500 CAD per ATM withdrawal with your RBC Right Pay card, and you’re limited to 2000 CAD per calendar day.

You can spend a maximum of 4000 CAD per calendar day on purchases with your Right Pay Visa card.³

Watch out for these fees on the RBC Right Pay Visa card

You may need to pay to use your RBC Right Pay Visa card, including foreign currency conversion fees and inactivity costs.

Let’s take a closer look.

Type of transaction	Fees
Monthly inactivity fees	2.50 CAD
Foreign currency conversion fees	2.5% of the transaction amount
Domestic purchases	Free
Cash withdrawal at RBC ATMs	4 no-fee withdrawals per month. After that, 2 CAD per withdrawal
Cash withdrawal at non-RBC ATMs in Canada	2 CAD per withdrawal
Cash withdrawal at ATMs abroad	5 CAD per withdrawal
ATM balance inquiry fee	2 no-fee card balance requests per month. After that, 0.50 CAD each³

Want to avoid currency conversion fees when you shop online abroad? Try Wise!

Wise is your international spending alternative. Make payments online or in person in over 40 currencies, including CAD, USD, GBP and EUR.

You can use Wise to pay for hotels, gas, and parking in countries across the globe – all at the mid-market exchange rate.

Wise uses this exchange rate for all international transactions. This is the rate you’ll typically see on Google® – no added markups or hidden fees!

Use your Wise card to:

• send and spend money in over 40 currencies from just 0.33%
• avoid inactivity and foreign currency conversion fees
• send money to your other accounts whenever you want

Getting your Wise card is free —  simply sign up for an account online. Access your virtual card immediately, or wait for your physical card to arrive in the mail.

You can use your Wise card for ATM withdrawals, online payments and e-transfers – and you’ll never pay inactivity fees. It’s your card, after all. You should be able to use it as much or as little as you like!

Whether you’re paying for gas in Canada or buying food in France, Wise has got you covered.

Get your Wise card in a few clicks

How to replace a lost RBC Right Pay card

If you lose your RBC Right Pay card, or you’re worried it’s been stolen, you can order a replacement card for free.

Contact Royal Bank® immediately to block your card and request your RBC Right Pay replacement card.

Once you’ve activated your card, you can get your previous account balance transferred to your new card.³

To sum it up

The RBC Right Pay Visa Prepaid card is a convenient way to spend your social assistance money. You can make purchases, pay bills and withdraw cash in Canada and overseas.

However, you may need to pay to convert currency or withdraw cash at an ATM. You also can’t use your RBC Right Pay Visa to pay for gas at the pump, and you can’t top up the card yourself.

To start spending your money on hotels, utilities, and everything in between, check out Wise.

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Sources

1. RBC Royal Bank
2. RBC Royal Bank
3. RBC Royal Bank
4. RBC Royal Bank
   Sources verified on 20 June 2024