Start of menu
Search United Kingdom website
Close Menu

Chip and PIN


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 or Chip and 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.

What is Chip and PIN?

The UK banking and card industries joined forces in an initiative to make card transactions safer by introducing technology known as Chip and 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 issues are Chip and PIN enabled.

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 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 and 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.

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 Customer Services to be sent a PIN reminder in the post.

Back to top
Back to top