PIN number - couple of questions

pledgeX

I need to get some money out of an account I haven't used for ages. I went to a cash machine today and got the PIN number wrong twice. I then took the card out so it didn't get locked.

I got home and requested a PIN reminder from Nationwide. Since then I THINK I've remembered my PIN. I've got a few questions:

1) I hope this is a stupid question, but is a PIN reminder exactly that, i.e. do they send me the same PIN number, or do they actually change it?

2) If I try and enter my PIN number on my card reader and I get it wrong, will that count as my 3rd and final attempt and lock my card?

3) When do the the failed attempts get reset? I.e. If I get it wrong twice today, do I get 3 fresh attempts after 24/48hrs?

I know I'm being impatient and could just wait for a reminder, but I could do with getting the money out sooner rather than later if possible!

Thanks for any help.

GingerFurball_2

If you block the PIN then you should be able to phone up and get it unblocked.

grumbler

(1) I am sure the reminder is what it says on the tin.

GingerFurball wrote: »

If you block the PIN then you should be able to phone up and get it unblocked.

No need to phone up if you know the correct pin: learn how to unlock your PIN

marlewuk

1. In my experience, Banks dont issue reminders for pins. A new pin would be sent in the post and the existing one would be blocked.

2. using it in the card reader would not be the third attempt. card reader uses the chip, cash machine uses the strip on the back - 3 attempts on both

3. its not a daily limit for pin attempts, only 3 tries then blocked. if blocked in card reader or shops then it can be unblocked at atm - providing you know the pin. blocked at atm then need to call bank to unlock and enable 3 more attempts.

Once the new pin is recieved, you'd need to take it to an atm and use the pin services option and select unblock. Its to ensure the new pin and card are synced so you'll be able to use in the shops again.
you can also change the pin while you are there to something else of youre own choice

grumbler

marlewuk wrote: »

blocked at atm then need to call bank to unlock and enable 3 more attempts.

Your PIN can lock if you've entered an incorrect number three times in a row, in a shop or when using a cash machine (ATM).
How to unlock your PIN

If you subsequently remember your PIN, it can be unlocked at any Nationwide ATM. When you're at the ATM:

1. Insert your card into the ATM
2. Enter your PIN
3. Select PIN Services
4. Select PIN Unlock
5. Follow the instructions on the screen

http://www.nationwide.co.uk/search/DisplayArticle.aspx?article=1346

MPH80

marlewuk wrote: »

2. using it in the card reader would not be the third attempt. card reader uses the chip, cash machine uses the strip on the back - 3 attempts on both

For correction - most ATMs in the UK were converted to read chips some time ago.

So yes - using the card reader WOULD count as the third time.

reclusive46

marlewuk wrote: »

2. using it in the card reader would not be the third attempt. card reader uses the chip, cash machine uses the strip on the back - 3 attempts on both

Your information is a bit outdated. Most ATMS in the UK (Europe, Canada and Australasia as well) read the chip. Counterfeit cards would just be used at ATMs if they just read the magnetic stripe (although sometimes ATM will still do this anyway as it thinks the chip is broken).

How do you think you change your PIN at an ATM if the PIN is stored on the card if the ATM can't read or write to a chip?

[Deleted User]

pledgeX wrote: »

I need to get some money out of an account I haven't used for ages. I went to a cash machine today and got the PIN number wrong twice. I then took the card out so it didn't get locked.

I got home and requested a PIN reminder from Nationwide. Since then I THINK I've remembered my PIN. I've got a few questions:

1) I hope this is a stupid question, but is a PIN reminder exactly that, i.e. do they send me the same PIN number, or do they actually change it?

2) If I try and enter my PIN number on my card reader and I get it wrong, will that count as my 3rd and final attempt and lock my card?

3) When do the the failed attempts get reset? I.e. If I get it wrong twice today, do I get 3 fresh attempts after 24/48hrs?

I know I'm being impatient and could just wait for a reminder, but I could do with getting the money out sooner rather than later if possible!

Thanks for any help.

Now you've requested a new PIN, the old one will be blocked.

(You will be sent a new PIN, not a reminder of the existing one)

Until you receive the new PIN, you will not be able to use the card (where a PIN is required to be entered)
If you need to access cash before then, visit a Nationwide branch where I am sure the staff should be able to assist you

I suggest you take some additional ID with you - a passport or full photo driving licence and a recent utility bill in your name & address would be perfect

agrinnall

reclusive46 wrote: »

Your information is a bit outdated. Most ATMS in the UK (Europe, Canada and Australasia as well) read the chip. Counterfeit cards would just be used at ATMs if they just read the magnetic stripe (although sometimes ATM will still do this anyway as it thinks the chip is broken).

How do you think you change your PIN at an ATM if the PIN is stored on the card if the ATM can't read or write to a chip?

Of course, the PIN itself is not stored on the chip (and was never stored on the stripe in the old days), just the information required for the reading device to perform the algorithms that confirm whether the PIN entered is correct.

If a PIN has been changed then the offset is stored, and I assume that is now on the chip rather than the stripe, although I could be wrong about that.

reclusive46

agrinnall wrote: »

Of course, the PIN itself is not stored on the chip (and was never stored on the stripe in the old days), just the information required for the reading device to perform the algorithms that confirm whether the PIN entered is correct.

If a PIN has been changed then the offset is stored, and I assume that is now on the chip rather than the stripe, although I could be wrong about that.

The PIN isn't stored on the magnetic stripe but it is stored on the chip as the UK uses offline PIN (Along with France). How do you think the PIN is verified when your making an offline transaction?

This is why when your on a plane that has a chip and pin device it'll still check the PIN, whereas some countries that use Online PIN (I.e. pin checked against the banks records) will ask for a signature (Or no authentication at all) when the card can't contact the bank. At ATMs the PIN is verified by the bank and the card though (Double authentication and if there is a mismatch the cards PIN will be changed to the banks PIN).

grumbler

I think agrinnall's point is that it's some complementary number, not the PIN itself, that is stored in the chip and allows checking the correctness of the PIN. This is a possibility.