(11 Reasons) RBC virtual visa debit not working

Is your RBC virtual visa debit card not working?

If you are having issues with RBC virtual debit card, you have landed in the right place.

Here, in this post, we have explained all the possible reasons why RBC virtual visa debit card may not work for you and what you can do to fix it.

So, let’s get started.

Why is my RBC virtual visa debit card not working?

RBC virtual visa debit card may not work for you because of several reasons such as card not activated, insufficient balance, card type not accepted on the retailer website, international transactions not activated or supported, transaction detected as suspicious one, card limit may have reached, or there could be server or other technical problems.

Below, we have explained all the reasons why RBC virtual visa debit card may not work for you;

RBC virtual card not working

1. Card not activated or not registered

The first reason your RBC card virtual card is not working is that you have not activated or registered the card.

To activate the RBC virtual visa card, you can call 1-800-769-2511 or activate it via the RBC mobile app, or visit the bank branch.

So, before using the card, make sure it is active.

2. Insufficient funds

Another reason the RBC virtual visa debit card is not working could be insufficient funds.

If your account does not have sufficient funds to cover the payment for your purchase, your card will not work.

The RBC virtual card is a debit card associated with your bank account, so ensure your account has a sufficient balance.

3. Incorrect information

Another reason your card is not working online could be the wrong details and credentials.

It could be that you have entered the wrong card number or entered the wrong pin.

Also, make sure that you are entering the right CVV number.

Moreover, if you are asked to enter your name, enter your official name (Cardholder’s name), the same associated with your card.

4. Different billing information

The RBC virtual debit card can get declined or may not work if the billing information does not match.

If any merchant or retailer is asking for the address associated with the card, and you have entered an address that doesn’t match with the address on the file, it could be a reason for the card’s rejection.

5. Merchant do not support card type

Another reason the RBC Visa debit card is not working online could be that the merchant where you are using the card does not accept the RBC card or Visa cards.

So, make sure that the merchant you are shopping with accepts the type of card you have.

6. Card limit reached

There are limits associated with debit cards and credit cards for every type of transaction.

There are different limits for different types of transactions, such as online transactions, tap and pay (contactless) transactions, ATM withdrawal, international transactions, etc.

Apart from these, there may be other daily, weekly, or monthly transaction limits associated with your card.

So, when using the card, make sure that you have not exhausted or reached your card’s limit.

To check the limits associated with the card, you can log in to your net banking and adjust them there.

7. International transactions not enabled

If you are using the RBC virtual card to buy any item or software from an international merchant or website, then it might not work as the card may not support international transactions or the international transactions are not enabled.

8. Suspicious transaction

Your transaction might have been detected as a suspicious one, which could be why your RBC Visa debit card is not working or getting declined.

In some cases, banks set a security measure that prevents your card from being misused online.

So when you enter your card details on websites, your card prevents you from carrying out the transaction.

So you are required to contact your bank and verify that you are yourself authorizing the transaction. Then the transaction is processed.

9. Card blocked/frozen

Another reason for the card not working could be the card has been blocked or frozen by the bank itself.

Now, there can be several reasons why the card might have been frozen or temporarily.

In this case, you might have received email or sms from your bank about your card blockage.

10. RBC servers having issues

Moving forward, another reason RBC virtual card getting declined or not working could be RBC server issues.

It’s always good to know the problem lies on your end or on the server side.

If the problem is on the client’s side there isn’t much you can do to fix it rather than waiting till the servers get fixed.

That being said, you can check the server status of RBC online for free.

We would suggest visiting the downdetector page for RBC, here check number of reports and user comments. If reports are significant, it means servers of RBC are having issues.

In this case, you would to wait till the server gets fixed to use your RBC virtual debit card.

11. Merchant technical problem

Lastly, there could be some technical problem with the merchant or online retailer from which you are shopping.

If the problem is with the retailer’s website, there isn’t much you could do apart from waiting till the retailer fixes the issues with the website, or you can look for its alternatives.


So, that’s all for now, folks. After reading this guide, I hope you were able to figure out why your RBC virtual Visa debit card was not working, and you have probably fixed it.

For more posts, visit our debit card section, credit card section or gift card section.

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