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How can two debit cards share same PIN

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  • nidO
    nidO Posts: 847 Forumite
    I think he's suggesting here that the "flaw" in having these devices is:

    Criminal bursts into your home
    Threatens you, takes card demands pin
    Without card readers existing, you give him any old bogus pin, and hope that by the time he gets to an ATM you're long gone
    With card readers existing, he has a reader with him and verifies the pin there and then.

    This suggestion has been around for as long as card readers have and doesn't really change practical situations much though, if someone kicks their way into my house wanting my pin i'd just give it to them anyway, and get the bank to deal with the subsequent theft.
  • Cornucopia
    Cornucopia Posts: 16,483 Forumite
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    Yeah - that kind of thing. I imagine it's a theoretical risk, and probably (hopefully) has never actually happened.
  • System
    System Posts: 178,349 Community Admin
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    Not all cards can be used in card readers.
    The issuer has to specifically add the functionality.
    Cornucopia wrote: »
    Yeah - that kind of thing. I imagine it's a theoretical risk, and probably (hopefully) has never actually happened.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • usignuolo
    usignuolo Posts: 1,923 Forumite
    Just to add that only you knowing the pin does not prevent you being mugged at knife point and marched to the cash machine and made to enter it....as happened to my son in a very respectable part of London when he was on his way home one night...
  • SAHD_Jim
    SAHD_Jim Posts: 242 Forumite
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    Paul_Herring wrote: »
    In offline mode, I'd bet that 3 incorrect entries using those readers renders the chip on the card inoperative.

    You would be correct too, I know from personal experience with my Nationwide reader...
    I don't want to achieve immortality through my work, I want to achieve it through not dying
  • Paul_Herring
    Paul_Herring Posts: 7,484 Forumite
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    Heng_Leng wrote: »
    The issuer has to specifically add the functionality.

    http://en.wikipedia.org/wiki/EMV#Cardholder_verification - 'Offline plaintext PIN' enabled I'm guessing...
    Conjugating the verb 'to be":
    -o I am humble -o You are attention seeking -o She is Nadine Dorries
  • BillJones
    BillJones Posts: 2,187 Forumite
    REDDDRAGGON wrote: »
    You have a different pin though for each card or device surely?

    I don't, I have the same for all of mine.
  • ViolaLass
    ViolaLass Posts: 5,764 Forumite
    Cornucopia wrote: »

    I'd probably add any PIN where there are 3 consecutive identical digits.

    I would have thought so too but one of my PINS has that feature (not chosen by me).
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