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Are you pinwise?

Why use a PIN?

Signatures are no longer accepted for purchases made in person on most credit and debit cards issued in Australia and require a PIN to complete the transaction. Of course, you can still make contactless payments for purchases under $100. Find out more about the PINwise industry initiative.

While signatures can be forged, a PIN combination can have up to 12 digits, meaning there are over one billion possible combinations - making it the more secure form of identification.

You can get through the checkout faster with a PIN. Plus, you can change your PIN at any time and anywhere with CommBank.

How to set up and change your PIN

NetBank

NetBank

1. Visit NetBank
Log-on to NetBank

2. Click on the 'More' tab
and then select 'Manage my accounts'

3. Click 'Choose my own PIN'
then select 'Card type & number'

CommBank App

CommBank App

1. Download the CommBank App
Find out more or download the new CommBank app from Google Play, the App Store or for Windows today.

2. Log onto the CommBank App
and click on Cards, select your card and Change PIN.

3. Choose and confirm PIN on the spot

ATM

ATM

1. Select 'change PIN' on a CommBank ATM

2. Enter and confirm new PIN

If you have a CommBank business liability business credit card, corporate charge or credit card, you can set a PIN by calling us on 13 1576 or visit your local branch.

If you have a travel money card, you can change your PIN online.

FAQ

The PINwise industry initiative comprises representatives from ten Australian financial institutions including all of the major banks and Schemes (American Express, Diner’s Club, MasterCard and Visa). The initiative members represent the industry and their role is to communicate to consumers effectively about the scheme mandate, which aims to increase the security of the credit and debit card system by phasing out signature to verify transactions at point-of-sale.

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. 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.

Signatures were phased out for credit and debit cards from 1 August 2014.

All credit, charge, debit and reloadable prepaid cards issued in Australia require a PIN to pay for purchases in person. This includes all personal, business, corporate charge and credit cards, personal Debit MasterCards and Business Visa Debit Cards. This initiative doesn't impact gift cards.

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.

If you have been issued a CommBank corporate card or business credit card from your employer or for a business you own, you must use a PIN to pay for your purchases.

If you use a credit or debit card issued in Australia to pay for purchases, you will need a PIN to complete your transaction, as most terminals will decline transactions without a PIN. Therefore, it is important that you have and use a PIN to avoid any issues with processing your payments.

You don't need to worry. If your card hasn't been issued in Australia, you can sign or use a PIN to verify transactions.

When you are overseas, you can sign or use a PIN to verify transactions. If the Travel Money Card is used in Australia, you must use a PIN to pay for your purchases. You can change your PIN via Travel Money Online or by calling the Travel Money Customer Service Centre on (+61) 1300 660 700.

Yes, in Australia, you can still use contactless payment methods on an enabled terminal, for any transaction under the value of $100. To check whether the point-of-sale terminal supports contactless payments, ask the merchant at the terminal, or simply look at the terminal's screen prompt for instructions.