How to create and guard your card PIN

Your PIN is the key to your card and bank accounts as you’ll need it to draw cash at ATMs and pay at the till or point-of-sale (POS) devices.

While Lost Card Protection covers you up to 24-hours prior to reporting your lost or stolen card, you’re not protected against any transactions in which your PIN is used.

You should never share your PIN with anyone, including bank staff. Keep it safe and keep your money safe.

How to create a strong PIN

  • Don’t use the same PIN for multiple accounts or cards
  • For devices, include a combination of capital and lowercase letters, numbers and special characters
  • Avoid obvious information, like your name and date of birth, common words and places
  • Change your PIN at least once every 3 months

How to guard your PIN

  • Memorise your PIN – never write it down or tell anyone what it is  
  • If you can’t memorise it, keep a note of your PIN in a safe place (not with your card)
  • Make sure nobody ever sees you entering your PIN
  • If anything makes you suspicious while using an ATM, cancel the transaction and remove your card
  • If you think your PIN is no longer a secret, change it at our ATMs or at your nearest branch