Advice on keeping your PIN safe

Now that all cards that are issued have a chip, card fraud has been reduced. This is because chip cards are more difficult to copy or alter. Together with your unique PIN (personal identification number), they provide a more secure way for us to verify that both the card and cardholder are genuine.

It's important to protect your PIN, so you should never tell anyone what it is. That's why no bank or card issuer will ever ask you for it.
We've put together these simple tips to help you keep your PIN safe:

  • Don't allow anyone else to use your card. And never tell anyone your PIN, password or other security information.
  • Try to memorize your PIN when you receive it, and destroy the notice you receive with it.
  • If you find it hard to remember your PIN, you can change it at any cash machine to something more memorable.
  • Never write down or record your PIN, password or other security details.
  • Never store your PIN next to your card, because if both are stolen, you may not be covered for fraudulent use.
  • Take extra care at cash machines and when you make payments using chip and PIN. Just shield the keypad as you enter your PIN to ensure no one can see it over your shoulder.
  • Never give your account details or other security information to anyone unless you know who they are and why they need them. We will never request your PIN, and will usually ask for specific letters from your password, rather than the whole password.
  • Keep your card receipts, statements, and other information about your account that contain your business or personal details, safe. When you dispose of them, make sure you do it securely and destroy them first.