Signatures are no longer accepted for purchases made in person.
Signatures are no longer be accepted for purchases made in person on all credit and debit cards issued in Australia. A Personal Identification Number (PIN) is required to authorise all transactions at Point of Sale (POS).
Why use a PIN?
- While signatures can be forged, a PIN combination can be between 4 and 12 digits, meaning there are up to one billion possible combinations - making it the more secure form of identification.
Fast and convenient:
- You can authorise transactions faster with a PIN - helping you make purchases more quickly.
How can I create or change a PIN on my business/corporate credit card?
If you don’t have a PIN or can’t remember it, we provide you with a number of options to set one up that is memorable and secure. The choice is yours and it’s easy.
Phone - Call us on 13 15 76 to request a new system generated PIN be mailed to you
Branch - Visit a branch (with identification) to personally select your PIN
- Select ‘change PIN’ on a CommBank ATM
- Enter and confirm new PIN
Remember to keep your PIN a secret
It’s important to keep your PIN a secret, just like with your personal credit card or debit card.
- Don’t disclose your PIN to anyone or let anyone else use your card
- Always memorise your PIN. Don’t write your PIN on your card or keep it in your wallet
- Don’t choose a PIN that is easily identifiable (i.e. date of birth)
- Always take reasonable steps to keep your PIN a secret and your card safe
- We will never ask you to disclose your PIN
Frequently Asked Questions
- What is a PIN?
- Can I choose my own PIN?
- Why do I need a PIN?
- How do I get a PIN?
- What do I need for identification?
- How do I use my PIN?
- I have a PIN on my credit card. Do I need to get a new PIN?
- What happens if I forget my PIN?
- Where can I use my PIN?
- What happens if I enter my PIN incorrectly?
- What about my personal credit card?
- Information for Card Administrators
- I also have merchant facilities with CommBank, how will these changes affect those?
- I have a disability, how does this impact me?
- I have dementia and won't be able to remember a PIN. Can I still use signature?
A Personal Identification Number (PIN) is a number that is allocated to your card by us or one that you have chosen yourself. Your PIN is only known to you and is specific to the card. A PIN is used as verification for transactions such as purchases and ATM cash withdrawals, if you are authorised by your company to access cash.
Yes. If you know your PIN, you can visit any of our ATMs to change your current PIN. If you don’t know your PIN, please visit us in a branch with your credit card and an additional form of identification.
A PIN is just an alternative form of verification. Signatures are no longer accepted for purchases made in person on all credit and debit cards issued in Australia and require a PIN to authorise the transaction. All existing corporate card controls remain unchanged.
You can either:
- Visit us in a branch with your credit card and an additional form of identification. You can choose your own PIN immediately.
- Call us on 13 15 76 and request a PIN system generated to be mailed to you or your company’s card administrator. Once you receive your PIN you can change it at any of our ATMs or your nearest branch
If you are visiting a branch to change your PIN, you will need to bring your credit card and an additional form of identification, such as:
- Passport or birth certificate or citizenship certificate
- Driver licence or permit containing photo or signature
- Acceptable ID card containing photo and/or signature1
- Utility bill (e.g. telephone, water, electricity, gas)
- Another credit card with signature
- Medicare card
1Includes Social Security, Health Care or Pension Card; tertiary education institution ID card; or a government authority or public service employee ID card.
A PIN is very easy to use. It works the same way as a PIN on your personal credit card or debit card.
When using a PIN:
- Check that the amount of the purchase is correct (as you would if you were signing).
- Press the ‘CREDIT’ key.
- Enter your PIN on the keypad. For your protection your PIN is not displayed on the screen and will appear as asterisks (****) instead.
- Press the ‘OK/ENTER’ key.
- The screen will show if your transaction has been approved and you will be given a receipt.
No. Just use your existing PIN.
A PIN can be reset by calling 13 15 76. Another system generated PIN will be mailed to you or your company’s card administrator. You can easily change your PIN at any of our ATMs or visit us in a branch. Alternatively, you can visit your local Commonwealth Bank branch to create a new PIN.
Most shops will accept your PIN when you pay for purchases. The merchant will ask you if you would like to sign or use a PIN. Where a PIN can’t be used you will be able to sign for your purchases.
Your transaction will be declined and you can retry entering your PIN. If you enter an incorrect PIN multiple times, your card may be locked. Once this happens you won’t be able to use your card for any purchases, even if you then enter the correct PIN.
To unlock your card, please call 13 15 76 or visit us in a branch.
If you’re having trouble remembering your PIN and your transaction is declined, you can use a signature as an alternative. Keep in mind that you can always select a new PIN by visiting us in a branch.
To find out how to set a PIN on your CommBank personal credit or debit card, visit commbank.com.au/pinwise
Inform your Corporate cardholders that signatures are longer accepted to authorise domestic purchases in person. Encourage all your cardholders to start using a PIN today.
Your CommBank corporate cards will continue to operate as usual with any existing cash and merchant blocking strategies you have set on individual cards.I also have merchant facilities with CommBank, how will these changes affect those?
For a list of FAQs that relate to merchants, please visit commbank.com.au/merchantinformation
While the Bank recommends that customers always use their PIN if given the option, the Bank understands that some customers have a genuine requirement to be able to continue to sign. For these select customers the Bank will provide an option for the customer to request a replacement card which will allow them to continue to sign if they have difficulty using a PIN. Please call us on 13 2221 to find out more.
We are committed to protecting the financial wellbeing of our customers. If a customer has dementia, it’s important that they organise their financial affairs while they are still able to.
For everyday purchases, we recommend the use of contactless payments for purchases under $100. For larger purchases, we recommend that someone else may need to be appointed power of attorney to manage the person’s financial affairs in their best interest.
For information about setting up a power of attorney, please visit a CommBank Branch or call us on 13 2221.For more information and support regarding dementia, please contact The National Dementia Helpline on 1800 100 500.
While the Bank recommends that customers always use their PIN if given the option, the Bank understands that some customers have a genuine requirement to be able to continue to sign, even once the PIN mandate is in force from 1st August. For these select customers the Bank will provide an option for the customer to request a replacement card which will allow them to continue to sign if they have difficulty using a PIN. Please call us on 13 2221 to find out more.