Debit cards

Debit cards give you access to funds you have placed with the Bank, whenever you want, wherever you are in the world. The Bank’s debit cards are your convenient payment instrument, allowing you to make everyday purchases. With debit cards, you can conveniently and securely:

  • Pay for goods and services in shops, cafes, restaurants and other outlets;
  • Place orders on the internet;
  • Travel in comfort, book hotels, flights and other services. No need to worry about changing currency or carrying cash across borders – the Bank automatically converts a transaction from any currency into your card account’s currency, and the balance on a debit card does not need to be declared at the border;
  • Ensure that the balance of your card account at the Bank remains confidential — when you use your card to pay, noone can identify the balance on the account. This means you can use your account to access significant levels of funds without having to carry cash.

You can apply for a Visa debit card via RCB Online Banking by contacting your personal manager, or by visiting any of the Bank’s branches.

Card fees and parameters

RCB Gold
RCB Classic
Main debit card's annual fee
(first card)
Free Free
Main debit card's annual fee (second and each consecutive card) 20 EUR 20 EUR
Supplementary debit card's annual fee Free
first and second card

20 EUR
third and each consecutive card
20 EUR
Issuance of Visa Gold card (one-off payment) Issued by default 50 EUR
Urgent card and PIN production (next business day) 10 EUR 15 EUR
Debit card
re-issue/replacement
Free 15 EUR
Commission for cash withdrawals from the ATMs of the Bank Free Free
Commission for cash withdrawals from the ATMs of other banks in Cyprus Free
three transactions1

1% (min. 1 EUR)
fourth transaction and each consecutive
Free
two transactions1

2% (min. 2 EUR)
third transaction and each consecutive
Commission for cash withdrawals from the ATMs outside Cyprus 2,5% (min. 2,5 EUR) 3% (min. 3 EUR)
Commission for cash withdrawals from the cash points of other Banks 2,5% (min. 2,5 EUR) 3% (min. 3 EUR)
Foreign exchange commission
(for non-Euro transactions)
2% on transaction amount 2,9% on transaction amount
SMS-Notice Free Free
Card and PIN mailing to client’s address (by courier) 70 EUR 70 EUR
Daily transaction limit (set by default and may be changed upon client request) 10.000 EUR 3.000 EUR
Daily cash withdrawal limit from the ATMs of the Bank 1.000 EUR 1.000 EUR
Daily cash withdrawal limit (set by default and may be changed upon client request) 1.000 EUR 1.000 EUR
Daily limit for card not present transactions (internet purchases and other card not present transactions) - set by default and may be changed upon client request 10.000 EUR 3.000 EUR
Monthly limit for card not present transactions (internet purchases and other card not present transactions) for сards with no SMS-Notice service activation - set by default and may be decreased upon client’s request 200 EUR 200 EUR

1ATM cash withdrawals are calculated per month per account regardless the number of cards linked to the account.

Advantages of the Bank’s debit cards
  • A flexibility that allows you to adjust daily limits on card transactions quickly in order to purchase big-ticket items;
  • Competitive commissions and charges;
  • The RCB Club programme gives you discounts and benefits when you pay for goods and services using a debit card issued by the Bank.