RBC Visa Prepaid Mydoh Smart Cash Card Agreement | Mydoh

Smart Cash Card Terms & Conditions

RBC® Visa Prepaid Mydoh Smart Cash Card Agreement

This Agreement governs the use of your RBC VISA Prepaid Mydoh Smart Cash Card. Be sure to read it.  You can also print or save a copy to refer to later.

What this Agreement Covers

This Agreement outlines the terms that apply to an RBC VISA Prepaid Mydoh Smart Cash Card (the “Card”) issued by Royal Bank of Canada. It also tells you what your rights and duties are as the Funder of the Card or the Holder and what the duties of Royal Bank of Canada are as the Card issuer.

We have also prepared “Frequently Asked Questions” (“FAQs”) that contain important information about the use of your Card. You can view these FAQs by visiting www.mydoh.ca/faq or by signing in to the Mydoh app and going to Settings -> Help -> Visit our Help Centre.

If you are the Funder loading funds on the Card, and if you are the Holder of the Card your receipt or use of a Card, means that you have received and read this Agreement and the FAQs and agreed to all of these terms. If you are the Funder, you agree to these terms both in your own capacity and on behalf of each Holder to whom you send funds. This Agreement takes effect when the Card is received by the Holder.

In order to purchase or use the Card, we must provide, and you must review the Card Fees and Important Information pertaining to prepaid cards that is provided in this Agreement (“Disclosures”). As your Card is a digital card you purchase or use with a mobile device, computer or other device (“Device”), we will provide you with the Disclosures in electronic form provided that you consent to receive them in electronic form.

By clicking “Accept & Continue” below, you consent to us making your electronic Disclosures available for you to review in this Agreement. If you want to retain copies of your electronic Disclosures, you can print or save a copy of them now. These Disclosures are also available on our website at www.mydoh.ca/rbc-terms.


Card Issuer: Your Card is issued by Royal Bank of Canada

Information, Card Balance: For questions about this Agreement or your Card, including your Card balance, sign in to the Mydoh app or call toll-free at 1- 888-696-9364 within Canada or the United States. To check your Card balance, sign in to the Mydoh app and view your balance on the app header at the top of every screen. All amounts are expressed in Canadian dollars.

No CDIC Insurance: Your Card balance is not insured by the Canada Deposit Insurance Corporation.

Card Restrictions: Your Card is a digital card which means that it can be used at retailers that accept Visa contactless (tap) payments with your mobile device. Transaction limits for in-person tap purchases are typically limited to $100 per transaction. These limits may not apply when your Card is used to pay online and by telephone with retailers who accept these payments. Your Card can’t be used at retailers that accept Visa cards but do not accept contactless (tap) point of sale payments. It also cannot be used to make any type of cash withdrawal such as from an ATM or in person at a financial institution. You can make a purchase that is greater than the balance on your card if the retailer allows split payments. Retailers won’t be able to check the balance of your Card, so you’ll need to verify your balance in the Mydoh app or by calling toll-free at 1-888-696-9364 in Canada or the United States and advise the merchant in advance that you will be splitting the payment.  You will need to tell the merchant the amount that you would like to have paid with your Card. Notwithstanding the foregoing, a Funder can only use their Card to hold funds loaded into their Mydoh App or fund transfers to associated Holders.

No Funds Expiry: Your right to use the funds that are loaded on the Card will not expire but your Card expires at the end of the month associated with your Card. The remaining balance on your original Card will be placed on your new Card at no additional cost.  If you are only a Holder and not a Funder, you can check the expiry date by selecting “Wallet” on the footer and tapping the card and providing your password.

Card Fees: The following fees apply to your Card:

Foreign Currency Conversion – transactions in a foreign currency will be converted into Canadian dollars no later than the date Royal Bank posts the transaction to the Card at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays the payment card network that is in effect on the date of conversion.

Information about fees that apply to your Card, as set out in the information box above, is also available by calling toll-free at 1-888-696-9364 within Canada or the United States. However, fees may change. If they do, Royal Bank will tell you in advance as described below under “Amending or Cancelling this Agreement”.

What happens if my Card or Device gets compromised, stolen or misused?

You must contact Royal Bank immediately:

  • if your Card or Device, a Card you funded, or a Device with a Card you funded is compromised, stolen or misused; or
  • if you suspect that someone else, without your authorization, is using your Card or your Card number or a Card you funded or the Card number of a Card you funded.

Once you have told Royal Bank that the Card or Device has been lost, stolen or misused, Royal Bank will be able to prevent use of the Card and the Card number. Royal Bank can also block use of your Card and prevent use of your Card number without telling you if Royal Bank suspects unauthorized or fraudulent use of the Card or the Card number.


Here are some key terms used in this Agreement and what they mean:

  • “Device” means any mobile device, computer or other devices you use to purchase or use your Card.
  • Funder” means the person who funds the Card(s) associated with their Mydoh App.
  • Holder” means the person who receives and accepts the Card through the Mydoh App and will include a Funder who has loaded funds on to a Card for holding and transferring funds in the Mydoh App.
  • “Mydoh App” means the app that that the Holder downloads to a mobile device for the purpose of receiving and accepting the Card and to access certain services with respect to the Card.
  • You” or “Your” means the Funder or Holder or both, as applicable.
  • We”, “our’, “us” or “Royal Bank” means Royal Bank of Canada.

Rights and duties of the Funder

With respect to a Card funded for the use by a Holder, a Funder of the Card has the following rights:

  • to instruct Royal Bank to deliver the Card to the Holder;
  • to load funds on the Card;
  • view the Holder’s balance and spending activity (if applicable); and
  • to lock the Card and prevent use by the Holder.

The Funder may cancel the Card at any time and receive a refund of the funds remaining on the Card at the time of cancellation. We may deactivate the Card if (1) neither the Funder, nor the Holder login into the Mydoh App for six (6) consecutive months, (2) there are no funds on the Card or (3) your access to the Mydoh App is terminated in accordance with the Mydoh App Terms and Conditions.

We are required by law to collect personal information about the Funder and the Holder for identification and recordkeeping purposes. Learn more about our privacy policies at www.rbc.com/privacysecurity/ca. We also need to collect information to be able to process, administer and service the Card. Refer to the “Protecting Your Privacy” section of this agreement

Rights and duties of the Holder

Using Your Card

This Card, the Card balance or any other record relating to the Card:

(a)         is a digital prepaid card account only, unless you request a physical card be issued.

(b) is not refundable and may not be cancelled by you unless you are also the Funder of the Card but, as a Holder, you have the ability to transfer any or all of the Card balance to the Funder (subject to daily and/or monthly limits);

(c) is not a deposit with us or related to or connected in any way with a bank account with us;

(d) does not constitute evidence of indebtedness or liability by us to you, except to honour transactions initiated with the Card as provided for in this Agreement; there is no interest payable to you on any Card balance; and

This Card may only be used by the Holder and it is non-transferable other than the limited ability of the Holder to transfer any or all of the Card balance to the Funder, as described above. You can use your Card and your Card number for any permitted purpose, including, if you are not a Funder, paying for goods and services, whether you buy in person from a retailer that accepts contactless (tap) purchases with your mobile device, over the phone, on the Internet or by mail order. You may not use your Card or your Card number for any illegal, improper or unlawful purpose. We also reserve the right to prevent your Card or your Card number from being used for certain types of transactions as determined by us, including transactions connected to Internet gambling or alcohol purchase.

Protection Against Unauthorized Use

If someone uses your Card or your Card number to make a purchase or otherwise obtain the benefits of your Card, you will be fully liable for all charges incurred in connection with such use except in cases of fraudulent or unauthorized use. You will not be responsible for charges to your Card as a result of the fraudulent and unauthorized use provided that you (i) are able to establish to our reasonable satisfaction that you have taken reasonable steps to protect your Card against loss or theft, (ii) cooperate fully with our investigation, and (iii) did not contribute to the unauthorized use of your Card or Card number. Treat this Card as you would cash and contact us immediately if your Card is compromised or stolen or if someone else may know your Card number. “Unauthorized use” means use by a person other than you who does not have actual, implied or apparent authority for such use, and from which you do not receive any benefit.

Problems with a Purchase

If you have problems with anything you buy using your Card or your Card number, you must settle the problem directly with the store or merchant. In some circumstances, we may be able to provide assistance in resolving disputed or declined transactions.

Limitations on our Liability

We try to ensure that your Card and Card number are accepted when presented. However, we will not be liable to you for damages (including special, indirect or consequential damages) that may result if, for any reason, your Card or Card number is not accepted or you are unable to access your balance or any information about your Card.

Amending or Cancelling this Agreement

Amendments: We may amend this Agreement at any time. if we increase a fee, establish a new fee, or make any other changes, we will let you know by sending a notice to the most recent mailing or email address we have for you at least 30 days in advance, and by posting online at www.mydoh.ca/faq at least 60 days in advance.

If your Card or Card number is used after the Agreement is amended, it will mean you accept the amendments we have made. If you do not accept any amendments we have made, you can stop using the Card.

Cancellation: We may cancel this Agreement at any time without telling you in advance if we reasonably believe that (i) your Card or Card number is being or is likely to be misused; (ii) you are in breach of this Agreement; or (iii) for the Holder, if the Funder requests that we cancel your Card. In all other instances, we will let you know at least 30 days in advance by posting online at www.mydoh.ca/faq or, at our discretion, by sending you written or electronic notice, and you will be able to receive the balance on your Card by contacting us.


If you have a complaint regarding your Card you can contact us at . If Mydoh is unable to resolve the complaint, or at your request, your complaint will be escalated to RBC Client Care by our Customer Support team.

Interpreting and enforcing this Agreement

This Agreement is made in and will be interpreted in accordance with the applicable laws of the province or territory in which you reside (or the applicable laws of Ontario if you reside outside Canada) and the applicable laws of Canada. In the event of a dispute, you agree that the courts in the province or territory where you reside shall be competent to hear such dispute and you agree to be bound by any judgment of that court.

In Quebec

Both of us, you and we, have requested that this Agreement and any related documents be written in English. Les parties à la présente convention, soit vous et nous, ont demandé que cette convention et tout document connexe soient rédigés en anglais.

Protecting Your Privacy

Except as varied below, the consents and authorizations contained in this Agreement will not change any other consent, authorization or preference you have given or may give to us regarding the collection, use and disclosure of your information.

Collecting your personal information

You authorize us to collect, use and disclose your personal information including information required for the Funder to purchase the Card, and information the Holder provided to us while using the Card. We may obtain information from service arrangements you make with or through us, from references you provide to us and from other sources, as is necessary for the use of the Card.

Using your personal information

This information may be used from time to time for the following purposes in connection with your Card:

(a) to verify your identity and investigate your personal background;

(b) to operate your Card and provide you with services you may request;

(c) to determine your eligibility for products and services we offer;

(d) to communicate to you any benefit, feature and other information;

(e) to operate the Card through the payment card network;

(f) to help us better manage our business and your relationship with us; and

(g) as required or permitted by law.

For these purposes, we may (i) make this information available to our employees, our agents and service providers, who are required to maintain the confidentiality of this information; and (ii) share this information with other financial institutions. In the event our service provider is located outside Canada, the service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which that service provider is located. Upon your request, we may give this information to other persons.

We may combine this information with any other information we hold about you and use it for any purpose you have otherwise consented to. We may also use this information and share it with our subsidiaries to (i) manage our risks and operations and those of our subsidiaries; and (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests.

Other optional uses of your personal information.

  • We may use this information to promote our products and services, and promote products and services of third parties we select, which may be of interest to you. We may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided.
  • We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you.
  • We and RBC companies may communicate with you through various channels, including telephone, computer or mail, using the contact information you have provided. You acknowledge that as a result of such sharing RBC companies may advise us of the products or services they provide to you.
  • If you also deal with RBC companies, we may, where not prohibited by law, consolidate information you provide to us with information RBC companies have about you to allow us and RBC companies to manage the relationship with you.

You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our affiliates which are engaged in the business of providing any one or more of the following services to the public: deposits; loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services.

You may choose not to have your information shared or used for any of these “Other optional uses of your personal information” by contacting us as set out below, and in this event, you will not be refused credit or other services just for that reason.  We will respect your choices and, as mentioned above, we may share your choices with RBC companies for the sole purpose of honouring your choices regarding “Other optional uses of your personal information”.

Your right to access your personal information

You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to your information, ask questions about our privacy policies or to request that the information not be used for any or all of the purposes outlined in “Other optional uses of your personal information” you may do so now or at any time in the future:

  • if you are not a Royal Bank client, by contacting us at support@mydoh.ca; or
  • if you are a Royal Bank client, by contacting 1-800-769-2511 or visiting your nearest Royal Bank branch.

Our privacy policies

Learn more about our privacy policies by visiting www.rbc.com/privacysecurity/ca.

Seriously Secure

Kids can spend in-store and online up to allowable limits with their Mydoh Smart Cash Card issued by Royal Bank of Canada and powered by Visa.

Terms & Conditions

*The 30-day free trial offer is activated on the date of completion of the Mydoh mobile app account registration process. After your free trial offer ends, a monthly subscription fee of $4.99 ($2.99 for RBC Clients) will be taken out of your Mydoh Wallet. You can cancel any time by contacting Mydoh. Mydoh reserves the right to cancel, modify or withdraw this offer at any time.

† The RBC Visa Prepaid Mydoh Smart Cash Card (“Mydoh Smart Cash Card”) is available as a physical and digital card that can be used to pay for purchases online or in-store anywhere Visa contactless (tap) is accepted.


1. The RBC Visa Prepaid Mydoh Smart Cash Card (“Mydoh Smart Cash Card”) is available as a physical and digital card that can be used to pay for purchases online or in-store anywhere Visa contactless (tap) is accepted.

2. Parents can load and kids can access up to a maximum of $500 per day on their Mydoh Smart Cash Card. When loading money to a Mydoh Smart Cash Card, there are limits to the number of transfers and dollar amounts. Please see transfer and transaction limits.

3. RBC Client means an individual who holds at least one personal deposit account with Royal Bank of Canada (excluding saving accounts and US dollar accounts), or a personal RBC Royal Bank Credit Card.