Using your PIN FAQs

Personal Identification Number (PIN) is the security access code that belongs to a specific credit or debit card. Some cards can be used to access more than one account; however there is only one PIN to access the card itself.

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 correctly guessing your PIN.

Faster and more convenient – using your PIN is quicker. 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.

Contactless technology is a fast way to pay, with no PIN or signature required for purchases under $200^#. For enabled cards to make a contactless payment, simply hold your contactless card against the terminal wherever you see this contactless symbol.

We issue 4 digit PIN numbers on our cards. You can choose to have a PIN number with more than 4 digits; however some countries and industries only accept 4 digit PIN numbers. If you have a longer PIN, some of your transactions may not be successful.

If you have an eligible card*, you can change your PIN online at any time.  Simply register for Internet and Mobile Banking and provide a valid phone number for the Bank of Melbourne Secure Code service.  Once you’ve logged on, click on the Change card PIN link in the Manage my accounts menu of Internet Banking or the Services menu of Mobile Banking to change your PIN at any time.  You don’t need to know your existing PIN, however, authorisation will be required via the Secure Code service.

If you have an eligible card*, you can change your PIN online at any time.  Simply register for Internet and Mobile Banking and provide a valid phone number for the Bank of Melbourne Secure Code service.  Once you’ve logged on, click on the Change card PIN link in the Manage my accounts menu of Internet Banking or the Services menu of Mobile Banking to change your PIN at any time.  You don’t need to know your existing PIN, however, authorisation will be required via the Secure Code service.

Your existing PIN applies, however, if you have an eligible card* and you wish to change it you can do so online when you activate your card.  You can also change your PIN at a Bank of Melbourne ATM^{^} or by visiting your local Bank of Melbourne branch with your card and photo ID.  Please note, to change your PIN at a Bank of Melbourne ATM, you will be required to know your current PIN.  You should also cut up and dispose of your old card(s) securely.

In order to protect the security of your account and personal information we’re unable to provide you with a PIN via email, however, if your card is eligible*, you can change your PIN online at any time.  Simply register for Internet and Mobile Banking and provide a valid phone number for the Bank of Melbourne Secure Code service.  Once you’ve logged on, click on the Change card PIN link in the Manage my accounts menu of Internet Banking or the Services menu of Mobile Banking to change your PIN at any time.  You don’t need to know your existing PIN, however, authorisation will be required via the Bank of Melbourne Secure Code service.

Alternatively, you can request a PIN to be mailed to you by calling us on the numbers below.  Please note, this will take 5-7 business days.

Personal credit or debit card customers

• Call us on 13 22 66 (Mon to Sat 8am-8pm)
• Call us on +61 3 8536 7870 (from outside Australia, 24 hours, 7 days/week)

Business credit or debit card customers

• Call us on 13 22 66 (Mon to Sat 8am-8pm)
• Call us on +61 3 8536 7870 (from outside Australia, 24 hours, 7 days/week)

To set your own first time PIN, take your card and photo ID to your local Bank of Melbourne branch.

You can change your existing PIN at any time at a Bank of Melbourne ATM^{^} or by visiting your local Bank of Melbourne branch with your card and photo ID.  Please note, to change your PIN at a Bank of Melbourne ATM, you will be required to know your current PIN.

You can request a PIN to be mailed to you by calling us on the numbers below.  Please note, this will take 5-7 business days.

Personal credit or debit card customers

• Call us on 13 22 66 (Mon to Sat 8am-8pm)
• Call us on +61 3 8536 7870 (from outside Australia, 24 hours, 7 days/week)

Business credit or debit card customers

• Call us on 13 22 66 (Mon to Sat 8am-8pm)
• Call us on +61 3 8536 7870 (from outside Australia, 24 hours, 7 days/week)

Yes. Each new credit and debit card will have one PIN that can be used for cash withdrawals at ATMs, and purchases at point of sale.

Please note that withdrawal cash functionality is not available on all credit cards.

Please contact us if you would like to confirm if your card has this feature.

No. PIN is only applicable when you are physically present at the point-of-sale during the purchase or cash-out transaction. You should never share your PIN with anyone if purchasing goods online or over the phone.

Yes, if you’ve been issued a commercial card from your employer, or for a business you own, your cards will have a PIN attributed to each card. If you don’t have a PIN already, you’ll need a PIN for these types of cards.

The ability to withdraw cash is specific to each card. It is best for you to contact your employer directly, as the ability to withdraw cash may also depend on the policy of your employer. For further information or help, please contact us on 13 38 00 (Mon to Fri 8am-6pm).

No, your online banking account details are completely separate from your credit/debit cards PIN. For more information on Internet Banking please visit our Getting started FAQs.

No, your telephone banking account details are completely separate from your credit/debit cards PIN. For more information please visit our Phone Banking page.

If you suspect someone other than yourself knows your PIN, you must change it immediately.  If you have an eligible card*, you can change your existing PIN online at any time by clicking on the Change card PIN link in the Manage my accounts menu of Internet Banking or the Services menu of Mobile Banking.  You don’t need to know your existing PIN, however, authorisation will be required via the Secure Code service.

Or call us immediately on 13 22 66 (Mon to Sat 8am-8pm) and we’ll be able to cancel your current PIN and issue you with a new PIN. This may take up to 5-7 working days to be received.