Pen or PIN

A choice of ways to pay

You now have the option of using a 4-digit Personal Identification Number (PIN) instead of signing for your purchases when using your Credit Card or Visa Debit Card at participating shops in Australia. Simply press the “CR” credit button and enter your PIN for a quicker and more convenient transaction.

The PIN option brings Australia into line with markets in Europe and the United Kingdom. In fact, some overseas retailers accept only PIN authorizations for credit and debit card transactions.

PIN – a quick and easy way to pay

When you’re ready to pay for your goods using your Credit Card or Visa Debit Card, checkout staff may ask if you would like to enter a PIN or sign for your purchase.

To pay by PIN:

	1. Check to make sure the amount of the transaction is correct.
	2. Press the CREDIT key.
	3. Enter your PIN on the keypad.
	4. Press the OK/ENTER key.
	5. For your protection, the numbers of the PIN you enter are not displayed on the screen – you will see asterisks (****) instead.
	6. The screen will show you if the transaction has been approved and you will be issued a receipt.

Remember

• If you already have a card with a PIN, your PIN will not change.
• If you don’t know your PIN or wish to change your PIN simply visit your nearest Bank of Melbournebranch with your card and we’ll be happy to change it for you.

Frequently Asked Questions

1.  Can I still sign for my payments?

   Yes. You still have a choice between signing or entering a PIN.

2.  I have a PIN on my card already for cash withdrawals. Do I need a new PIN?

   No, you can use your existing PIN.

3.  How will I know what my PIN is?

   If you don’t have a PIN, please visit your nearest branch with your card.

4.  What if I have been issued a PIN but have forgotten what it is?

   Please go to your nearest branch with your card.

5.  Do I need a PIN for online and telephone purchases with my credit card?

   No, there is no change to online and phone transactions. You will not require a PIN.

6.  Who else knows my PIN and who is it safe to reveal my PIN to?

   Only you should have access to your PIN. You should not reveal your PIN to anyone. If you believe your PIN has been copied by someone and you are concerned they might have access to your accounts please visit your nearest branch to change your PIN.

7.  What if the shop does not accept PIN?

   If a shop does not accept PIN then you can continue by signing the sales receipt as you have done in the past.