Trading account
Where you fund and trade. Only funds that are available and withdrawable can move out of it, following the applicable checks.
TradeRoyce Card & Wallet
From the markets to wherever life takes you.
Move eligible available funds between your Royce trading account and Royce Wallet, then use your Royce-branded Mastercard for everyday purchases.
- Fund
- Trade
- Transfer
- Spend
No card issuance fee for eligible Royce clients*
*Other programme fees may apply, including transaction, foreign-exchange, replacement and withdrawal fees. All applicable charges are set out in the Royce Card & Wallet fee schedule.
The connected journey
One balance moves. The other one trades.
Your wallet and your trading account stay separate. Eligible available funds move between them, and the card spends from the wallet — never from an open position.
Trading Account ⇆ Royce Wallet → Royce Card
Royce Wallet
A dedicated balance that sits alongside your trading account. Transfers run in either direction, and the wallet is what funds the card.
TransferRoyce Card
Spends the wallet balance wherever Mastercard is accepted, subject to programme availability, your jurisdiction and applicable limits.
SpendInside the wallet
Two balances. One clear view.
The wallet shows what you can spend today, separately from what is committed to trading. Nothing is blended, so you always know which is which.
- Wallet balance and trading-account balance shown apart, never combined
- Transfers in both directions, subject to the applicable checks
- Card purchases listed against the wallet that funded them
What you get
Built around the account you already hold.
A Royce-branded prepaid Mastercard
A physical card carrying the Royce mark, powered by Gate to Pay's card infrastructure and running on the Mastercard network.
A connected Royce Wallet
A dedicated balance that sits alongside your trading account and funds the card.
Transfers between wallet and eligible trading accounts
Move eligible available funds in either direction, subject to the applicable checks.
Everyday Mastercard purchases
Use the wallet balance for shopping and purchases wherever Mastercard is accepted.
Clear wallet and transaction visibility
See your wallet balance and card transactions in one place, so spending and trading stay legible.
No card issuance fee for eligible clients
Issuance costs you nothing if you are eligible. Other programme fees are disclosed in the fee schedule.
How to get the card
Four steps, in order.
Open or access your Royce account
Existing clients sign in. New clients open an account first.
Complete verification
Identity and address verification must be complete before a card can be requested.
Activate your wallet and request the card
Activate the Royce Wallet from the client area, then submit your card request.
Transfer funds and begin spending after approval
Once the request is approved and the card is active, fund your wallet and start spending.
Security and infrastructure
Royce at the front. Regulated payment rails behind it.
Payment infrastructure powered by Gate to Pay
Gate to Pay provides the underlying regulated payment and card infrastructure for the programme.
The Mastercard network
The card runs on the Mastercard network and is accepted where Mastercard is accepted.
PCI DSS-compliant infrastructure
Card data is handled on PCI DSS-compliant infrastructure operated by the payment provider.
KYC, AML, sanctions screening and monitoring
Identity verification, anti-money-laundering checks, sanctions screening and transaction monitoring apply throughout.
Royce Card & Wallet is a Royce-branded programme. Gate to Pay supplies the regulated payment and card infrastructure that sits behind it.
Questions
Before you apply.
Who is eligible for the Royce Card?
Eligibility depends on your client status, your jurisdiction and the completion of identity and address verification. Programme availability varies by country, and not every Royce client will qualify. Your eligibility is confirmed when you request the card from the client area.
Is the card free?
There is no card issuance fee for eligible Royce clients — issuing the card itself costs you nothing.
That does not make the programme free of charges. Other fees may apply, including transaction, foreign-exchange, replacement and withdrawal fees. Every applicable charge is set out in the Royce Card & Wallet fee schedule, which is provided before you complete your request.
How do I fund my wallet?
You can fund the Royce Wallet directly using the funding methods available to your account and jurisdiction, or by transferring eligible available funds from your Royce trading account. Transfers from a trading account are limited to funds that are available and withdrawable, and are subject to the applicable checks.
Can I spend money directly from my trading account?
No. The card spends from your Royce Wallet balance only.
Open positions, margin, unrealised profit and any bonus credit cannot be spent through the card. To make those funds spendable, they must first become available and withdrawable, and then be transferred into your wallet.
Where can I use the card?
The card can be used for everyday shopping and purchases wherever Mastercard is accepted, subject to programme availability, your jurisdiction, applicable limits and the programme terms.
What fees, limits and restrictions apply?
Fees, transaction and balance limits, and jurisdictional restrictions are governed by the Royce Card & Wallet programme terms and the applicable fee schedule. Both are provided to you before you complete your card request, and any changes are notified in accordance with those terms.
How do I report a lost or stolen card?
Report a lost or stolen card immediately so it can be blocked. You can do this from the Royce client area, or by contacting Royce support at support@roycecapitals.com. The dedicated card support line is published with your card documentation.
Royce Card & Wallet
Your Royce account—now connected to everyday life.
Fund. Trade. Transfer. Spend. Available to eligible clients; terms, limits and jurisdictional restrictions apply.
Mastercard is a registered trademark of Mastercard International Incorporated.