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What is Chip and PIN? * How does it work? * The importance of your PIN * When will it happen? * Frequently asked questions
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How will it work?

Chip and PIN PIN Protected cards contain a microchip which is PIN Protected. This means that the way you use it to pay is different.

Instead of signing your name on the receipt you will now be asked to enter a 4-digit PIN on a keypad.

Using your PIN Protected card is quick, convenient and easy and the more often you use it with a PIN the more natural it will become.

  • Entering your PIN serves exactly the same purpose as signing your name. Remember that you will still need to check the amount before entering your PIN
  • The overall style and appearance of each keypad could vary slightly according to the shop you’re in, although the basic layout of the keypad will remain the same
  • Each keypad will be shielded to some extent, however, you should still try to enter your PIN as discreetly as possible (as you would do at a cash machine)
  • In some places you may be asked to insert your card into the card reader yourself
  • Some restaurants may even have wire-free keypads so you can use the system at your table, without losing sight of your card
  • If you visit a retailer in the UK or abroad who hasn’t yet installed a new keypad, you’ll still be able to confirm your purchase by signing your name as before

The only thing which is different about your PIN Protected card is that it now contains a microchip which is PIN Protected which means that you will need to remember your PIN. Everything else about your card and the way you use your account is unaffected and will remain the same as it is today.

Now read... The importance of your PIN