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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.
Why do I need a PIN?
American Express is introducing Cards that contain a chip, which enhances the security of payment services. Chip Cards require a PIN to enable use of the Card. For example, you will have to key in your PIN when you make purchases at participating retailers who use Chip and PIN terminals.
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.
What Number should I select for my PIN?
Your PIN must contain 4 digits using numbers between 0 and 9. Choose a number that is easily remembered but difficult for others to guess. For example, avoid using your own birthday, house number, or sections of your telephone numbers. Also avoid using only one repeated number, such as 1111. It is important to choose a number you will remember.
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.
Who is responsible for the liability for losses resulting from Card fraud?
If your PIN has been used with a fraudulent transaction, we will always examine the circumstances in which this occurred. 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 not taken reasonable care to protect your Card and PIN you will be held liable for any fraudulent transactions.
What if I have a disability which prevents me from using my PIN?
Chip and PIN has been designed to make it accessible to as many people as possible, however if you have a disability that makes it difficult for you to use or remember a PIN, please call the number on the back of your card to request a Chip and Signature Card.
Do I still need to sign the reverse of my Chip and PIN Card?
Yes. For security purposes you must still sign the reverse of your Card.
Can my supplementary Cardmember choose their PIN?
No, Supplementary Cardmembers will either receive a unique PIN that will be system generated or the main account applicant can choose to match the supplementary PIN with the account's main Card.
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.
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American Express International US Dollar Cards and Euro Cards are serviced in English.
Please note, they are not offered in the USA to USA residents. Visit our USA website. US Dollar Cards are also issued from Latin America and the Caribbean.
We are unable to accept applications through this site from people whose main residence or payment bank is in Singapore. If your main residence is in Singapore or your payment bank is in Singapore and you are interested in applying for an International Currency Card, please contact Customer Services.
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