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PIN will replace signatures from 1 August 2014. Switch to a PIN today.

From 1 August 2014, signatures will no longer be accepted for purchases made in person on all credit and debit cards issued in Australia. A Personal Identification Number (PIN) will be required to authorise all transactions at Point of Sale (POS).

Why use a PIN?

Security:

  • 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

ATM:

  1. Select ‘change PIN’ on a CommBank ATM
  2. 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?

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.

Can I choose my own PIN?

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.

Why do I need a PIN?

A PIN is just an alternative form of verification. From 1 August 2014, signatures will no longer be accepted for purchases made in person on all credit and debit cards issued in Australia and will require a PIN to authorise the transaction. All existing corporate card controls remain unchanged.

Can I still sign for my payments?

Yes, but from 1 August 2014, signatures will no longer be accepted and you will have to use a PIN when making purchases in person.

How do I get a PIN?

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

What do I need for identification?

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. 

How do I use my PIN?

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:

  1. Check that the amount of the purchase is correct (as you would if you were signing).
  2. Press the ‘CREDIT’ key.
  3. Enter your PIN on the keypad. For your protection your PIN is not displayed on the screen and will appear as asterisks (****) instead.
  4. Press the ‘OK/ENTER’ key.
  5. The screen will show if your transaction has been approved and you will be given a receipt.

I have a PIN on my credit card. Do I need to get a new PIN?

No. Just use your existing PIN.

What happens if I forget my 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.

Where can I use my 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.

What happens if I enter my PIN incorrectly?

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.

What about my personal credit card?

To find out how to set a PIN on your CommBank personal credit or debit card, visit commbank.com.au/pinwise

Information for Card Administrators

Inform your Corporate cardholders that effective from 1 August 2014 that signatures will no longer be 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

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