Debit card replacement fees at Canadian banks
A replacement debit card is a fee from the bank, when the bank prints one. It is not a purchase you did not make. This page is the dollar RBC and TD printed on 20 October 2026, and the booklets that did not print one.
Last updated: October 20, 2026
Last checked: Oct 2026
The replacement fee
Opened 20 October 2026. A rush shipment in the United States is a different table, on rush debit card replacement fees at US banks. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not sign in to the bank.
| Bank | Fee the page prints | What the same page also says |
|---|---|---|
| RBC | First card free, then $5.00 | Additional account services say the first Client Card issued or replaced for any reason in a calendar year is free. A $5.00 fee applies to each additional replacement that year. The deposit booklet says the fee does not apply when the extra replacement is not started by you, such as a name change or an expiring card. It also does not apply when an advisor replaces the card for returned mail, fraud, or a damaged or defective card. |
| TD | No fee to issue the card | Section 5.1 of the Access Agreement says TD does not charge fees or service charges for issuing a Card, credentials, or PIN. The same section says TD does charge for some transactions you make with them, and that another bank can charge you at its ATM. |
| Scotiabank, BMO, and CIBC | No replacement dollar in the booklets opened | The Scotiabank day-to-day companion booklet, the BMO everyday banking fee booklet, and the CIBC personal account service fees PDF opened on 20 October 2026 did not print a debit card replacement dollar. This row is not a claim that the fee is $0. |
What to match on the statement
RBC's $5.00 is for an extra replacement in the same calendar year, after the free one. A first replacement in that year is the free row. TD's sentence is about issuing the card. A foreign purchase with the Access Card can still add the 3.5 percent fee in TD's list of services.
If the statement shows a card fee and the booklet you were given does not, ask the bank to point to the line. How to ask your bank to refund a fee is that request. The bank can say no.
Questions
- Does RBC charge $5.00 every time the card is replaced?
- No. The additional services page says the first Client Card issued or replaced in a calendar year is free. $5.00 applies to each additional replacement that year, with the exceptions in the deposit booklet.
- Does TD charge for a new Access Card?
- The Access Agreement says TD does not charge a fee to issue the card, the credentials, or the PIN. Other transaction fees can still apply.
- How much do Scotiabank, BMO, and CIBC charge?
- The personal booklets opened on 20 October 2026 did not print a replacement dollar. Use the fee list for your account rather than a number from another bank.
Sources
Related guides
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