If you have a Chip and PIN enabled Card, you must use your PIN (Personal Identification Number) when prompted, to pay for goods and services.

However, you can continue to sign for purchases if you have a magnetic stripe Card, until your Card is replaced.

What is Chip and PIN?

A Chip & PIN Card contains a small embedded microchip, which encrypts your Account information, making it difficult to duplicate copy or access without the right PIN (Personal Identification Number). It is simply a more advanced technology than magnetic stripe technology and will make an already safe payment system even more secure.

What are the benefits of Chip and PIN?

It is a more secure way to authorise your transactions since your PIN is known only to you. Since its inception it has reduced fraud.

Where can I change my PIN?

Once your PIN is issued you will not be able to change your PIN unless you visit the UK, where you can use UK LINK ATMs that offer PIN Management services.

What should I do if I forget my PIN?

With Online Services you can view your PIN securely and instantly online - at any time of the day or night.

Simply log in or Register for Online Services to view your PIN online.

Alternatively contact the Customer Services number on the reverse of your Card to be sent a PIN reminder in the post.