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Using your pin

PIN’s the only way to pay from 1 August 2014

The PINwise Industry Security Initiative has announced that PIN will become the main form of card payment authorisation in Australia.

The industry-wide move to expand PIN at the point of sale (POS) and phase-out the signature as a form of verification on Australian chip credit and debit cards will take place from 1 August.

There will be no change to contactless or online transactions.

Why use a PIN?

It’s more secure than signing – It’s easy for someone to see your signature, but only you know your PIN. Using your PIN for purchases on your credit and debit cards is safer than signing and makes it harder for card fraudsters. There’s only a one in 10,000 chance of somebody guessing your PIN.

Faster and more convenient – using your PIN is quicker than signing. Just enter your PIN and you’re done.

Some overseas retailers only accept PIN authorisation – some overseas retailers only accept PIN to authorise credit and debit card transactions. So ensure you know your PIN if you are travelling overseas. Australia is also moving towards replacing signature with PIN for all purchases.

How can I get a PIN issued for my card?

If you currently haven’t got a PIN for your credit or debit card, or you can’t remember one that was issued to you, you can request a PIN by calling us or by visiting a branch.

Personal credit or debit card customers

Business credit or debit card customers

What if I’ve forgotten or misplaced my PIN?

Call us on the respective number above and we’ll be able to issue with a new PIN. This will be mailed out to you, which usually takes up to 5 working days for your new PIN to arrive.

How can I change my PIN?

You can change your PIN at any time using a BankSA ATM^ or visiting your local BankSA branch with your card and identification. Please note to change your PIN at a BankSA ATM you will be required to know your current PIN.

How do I choose a secure PIN?

Much like choosing a computer password, you should keep your PIN a secret. You should avoid using a PIN that contains repeating characters (like 9999) or digits in sequence (like 1234), or numbers that represent publically researchable information, such as your birthday, year of birth, or address.

Need help or want to find out more?

Take a look at our PIN FAQs

For further assistance, visit your local branch or call us on one of the numbers below;

  • Personal credit or debit card customers: 13 13 76 (Mon to Sat 8am-8pm)
  • Business or commercial card customers: 1800 804 411 (Mon to Sat 7.30am-7.30pm)

Important information

^Available at most ATMs.