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Simply call us on: +44(0)1273 696 933 and we'll take care of the rest.
“Turns out the woman behind me had her eye on my PIN, not me.” If your PIN has been compromised through no fault of your own, you won’t be held responsible for any fraud that occurs.


If you have a Chip & PIN enabled Card, you must use your PIN (Personal Identification Number) at the till when prompted, instead of your signature, to purchase goods and services.
However, you can continue to sign for purchases if you have a magnetic stripe or Chip & Signature Card, until your Card is replaced.
If a disability makes it difficult to operate PIN terminals, please contact us and we can arrange for you to receive a Chip and Signature Card.
You can find out more about Chip & PIN in our FAQs or on the official Chip & PIN website.

What is Chip & PIN?

The UK banking and card industries joined forces in an initiative to make card transactions safer by introducing technology known as Chip & PIN. The card contains a microchip (Chip) which is used to store data securely and makes it harder for fraudsters to counterfeit Cards. The four digit PIN is used to verify the purchase, rather than signing a receipt.
All new American Express® Personal Cards issued are Chip & PIN enabled.

What are the benefits of Chip & PIN?

It is a more secure way to authorise your transactions since your PIN is known only to you. Since its inception it has cut fraud on cards and has also reduced the time spent queuing at checkouts.

Where can I change my PIN?

If you have a Chip & PIN enabled Card, you can change your PIN to a more memorable number at any one of 30,000 UK LINK ATMs that offer PIN services. Find an ATM near you which offers PIN services.