Ditch your pen for a PIN.

From 1 August 2014, Australia will replace signature with PIN for Credit, Debit and Prepaid card purchases made in person.

This is because PIN is a faster, more secure way to pay than using a signature.

Benefits of using a PIN.

And remember, for purchases under $100 you can use the tap option. No need to PIN or sign. Just hold your card to the terminal, wait for the beep and you’re done.

Tips for setting a PIN:

Be sure to set your PIN to any four digit combination that’s memorable and secure. Here’s some tips:

  1. Don’t choose a number that’s easy for someone to guess - Stay away from numbers based on your birth date, driver’s licence, phone numbers or other public/semi-public personal information as they can be easily guessed by fraudsters. 
  2. Choose something unique to you - Choose something easy for you to remember but hard for anyone else to guess.
  3. Protect it - After creating a memorable and secure PIN, it’s important to protect it. Don’t write your PIN down and don’t share your PIN with anyone. If you feel your PIN has been compromised, notify us immediately.

 

How do I change or create a new PIN?

If you know your PIN, you can change your PIN at any ANZ ATM.
If you don’t know your PIN:

  • Debit or Credit card customers: Call 13 13 14 or visit your local ANZ Branch.
  • Business Credit card customers: Call 1800 032 481 or visit your local ANZ Branch.
  • Business Visa Debit customers: Call 1800 801 485 or visit your local ANZ Branch.
Will the PIN I use for making purchases be the same as the PIN used at an ATM (Automated Teller Machine)?
Yes, each credit card and debit card will have one PIN that can be used at an ATM to access your account and to make purchases.
I am having trouble remembering my PIN, what can I do?
You can change your PIN to something more memorable, but make sure that it's a number that nobody else can guess.
How many times can I incorrectly enter a PIN at point-of-sale and ATMs before my account is locked?
ANZ cardholders are allowed three PIN retries at point-of-sale terminals and three tries at ATMs from midnight-to-midnight AEST. Your PIN retry counter will be reset at midnight AEST each day. If you exceed three PIN tries at an ATM, your card will be retained by the ATM.
If I incorrectly enter my PIN three times at point-of-sale and my account is locked, can I still use an ATM?
Yes. If your account is locked at point of sale, you will still be able to use the ATM, so long as you can remember your PIN.
Should I notify ANZ if I think someone else knows my PIN?

Yes. Please notify us immediately if you become aware that:

  • Your card has been lost, stolen or used by someone else
  • Your PIN record has been lost, stolen, has become known to, or used by someone else.

If you do not notify us within a reasonable time, you may be liable for any losses that occur as a result of your delay.

When don't I need a PIN?
A PIN is not required for mail, telephone order or online transactions. PIN is only applicable when you are present at the point-of-sale during the purchase or cash-out transaction. There are no circumstances in which you should reveal your PIN when making a purchase or booking services by mail order or over the telephone or internet. You also don't need a PIN when using contactless payments for transactions under $100.
Do I still need to sign the back of my card?
Yes, you must still sign the back of your card as soon as you receive it as signature will continue to be used for verification in certain situations, such as travelling abroad.
What happens when I travel overseas?
Some countries still accept signature to verify transactions at checkout, but in others they only accept PIN. Before you travel overseas, be sure to know your PIN and also contact ANZ about your travel plans to ensure we know to expect transactions processed from your country of destination.
I am an ANZ Merchant. What do I need to do?
For more information to help you in manage the change and ensure there is minimal impact to your business, please visit our PIN authorisation page.
I am unable to use a PIN. What should I do?
Sign only cards will be made available to customers with special needs. This card will enable you to continue signing for in-store transactions and it will not be issued with a PIN. It can be used in person, online or contactless (for purchases under $100).

To register your interest, please call us on 13 13 14.

 

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