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Higher PIN usage has been proven to reduce fraud rates overseas in countries where PIN usage is already mandatory.

Only you should know your PIN. It's harder for criminals to guess a PIN that has been chosen correctly than it is for them to forge a signature.

It's important to choose the right PIN and keep it safe, find out how you can be PIN wise. Download PDF.

A PIN is not required for mail, telephone order or online transactions. PIN is only applicable when you are present at the point-of-sale during the purchase or cash-out transaction. There are no circumstances in which you should reveal your PIN when making a purchase or booking services by mail order or over the telephone or internet. You also don't need a PIN when using contactless payments for transactions under $100.

If you enter your PIN incorrectly three times when trying to make a purchase the card will be temporarily locked. You can unlock it on the go with NetBank or the CommBank app or you can visit us at a branch or call 13 2221.

If you have a CommBank business liability business credit card, corporate charge card or credit card, you can visit a branch.

Except you, no one knows your PIN. The PIN must not be disclosed to anyone including a member of enforcement (e.g. the police) or merchant staff at point-of-sale. However, if you do think someone has found out your PIN, you must change your PIN immediately. We will never ask you to disclose your PIN.

There are various benefits of using a PIN instead of signing as a way to pay for your purchases.

  • It's a more secure way to pay for purchases than signing, as PINs can't be forged;
  • It's easy to set up and change; and
  • It's a faster and more convenient way to pay for purchases.

Setting up a memorable PIN is easy with CommBank. 

Find out more

Yes, you must still sign the back of your card as soon as you receive it as signature will continue to be used for verification in certain situations, such as travelling abroad.

No, for security reasons, the PIN must never be disclosed to anyone, otherwise you may become liable for any unauthorised transactions.

If you suspect someone other than yourself knows your PIN you must immediately change your PIN.