How do I keep my PIN secure?

It is very important that you keep your PIN secret so that your card is protected against lost and stolen card fraud.
Measures to keep your PIN safe include:

  • Ensure your PIN is not easy to guess by avoiding numbers that can be associated with you such as:
    - Significant personal dates e.g. Anniversary or Birth dates, months or years in any form or combination;
    - Sequential numbers (such as 345678) and easily identifiable number combinations (such as 111111);
    - Any of the blocks of numbers printed on your card;
    - Other easily accessible personal numbers such as parts of personal telephone numbers, identity card number, or other personal data.
  • Do not keep a written record of your PIN;
  • Do not allow another person to see your PIN when you enter it;
  • Do not keep your PIN in a form that can be readily identified as a PIN;
  • Do not disclose your PIN to any other person (including persons in apparent authority, family members or spouse);
  • Do not negligently or recklessly disclose your PIN;
  • Change your PIN immediately if you become aware that your PIN has become known to someone else
How do I prevent my card from being misused or being used to commit fraud?

You and any of your supplementary cardmember must take all reasonable precautions to prevent the card and the card number, the PIN, your password or any other security details of the card or account (the “card security details”) from being misused or being used to commit fraud. These precautions include:

  • Sign the card as soon as it is received and comply with any security instructions;
  • Protect the card, the PIN, and any card security details;
  • Do not allow anyone else to have or use the card;
  • Destroy any notification of the PIN and of any card security details;
  • Do not write down the PIN or the card security details nor disclose them to anyone else including the police and/or our staff;
  • Do not tamper with the card;
  • Regularly check that you still have your card;
  • Keep card receipts securely and dispose of them carefully;
  • Contact us about any suspicious matter or problem regarding the use of the card at a terminal; and
  • Check your statements regularly and report any suspicious activities immediately.

You must notify us immediately if:

  • Your card is lost or stolen; or
  • Your PIN may have been disclosed / compromised; or
  • Your card is retained by an ATM; or
  • Your address or contact details have changed
  • Unauthorised transaction on your card / statement