Change debit card PIN abroad?

SimonSays

Barclays say if you are abroad and do this you need a new card. Maybe ring back and ask might be same process.

Although Nationwides implementation of Visa is woeful at best.

EarthBoy

If Nationwide are sending you a new PIN, then the old one is no longer locked, it's been deleted and replaced by the new one that they are sending you. You can't unlock the old PIN, even if you're in the UK.

On the other hand, if they're just sending you a reminder of your old PIN, then you can unlock it.

st999

It's not a PIN number, it's a Personal Identification Number


http://en.wikipedia.org/wiki/Personal_identification_number

Mr_Pete

EarthBoy wrote: »

If Nationwide are sending you a new PIN, then the old one is no longer locked, it's been deleted and replaced by the new one that they are sending you. You can't unlock the old PIN, even if you're in the UK.

On the other hand, if they're just sending you a reminder of your old PIN, then you can unlock it.

Yeah that's a very good point mate. I'm hoping it is a new PIN that they send to me, then maybe just using it is enough to activate it.

Mr_Pete

st999 wrote: »

It's not a PIN number, it's a Personal Identification Number

Cool, thanks mate. Learn something new every day :beer:

Spengler

I work for a card issuer (that predominantly issue VISA cards) and if your card is issued from the UK and the PIN is locked, then the chip becomes locked also so not only do you require a PIN reminder, you also require a new card.

If you were in the UK, a PIN reminder would be sufficient to unlock the chip as well as the PIN but, it's not possible to unlock 'cards' via an ATM outside of the UK (if the card is issued from the UK) due to the technology in foreign ATM's not supporting the PIN-related functionality required.

I work to issue thousands of VISA cards out of the UK with large corporate clients and before I even get to organising shipments of cards and PIN's, I make it absolutely clear that PIN's cannot be changed outside of the UK and PIN's/chip's cannot be unlocked outside of the UK.

P.S - Your PIN reminder will be just that - a reminder of your existing PIN. The only person who can change it is you... At a UK ATM! A PIN and a CVV number (the 3 digit security code on the signature strip) is not presented to the card issuers so no one should be able to tell you what is it.

reclusive46

YKG1979 wrote: »

I work for a card issuer (that predominantly issue VISA cards) and if your card is issued from the UK and the PIN is locked, then the chip becomes locked also so not only do you require a PIN reminder, you also require a new card.

If you were in the UK, a PIN reminder would be sufficient to unlock the chip as well as the PIN but, it's not possible to unlock 'cards' via an ATM outside of the UK (if the card is issued from the UK) due to the technology in foreign ATM's not supporting the PIN-related functionality required.

I work to issue thousands of VISA cards out of the UK with large corporate clients and before I even get to organising shipments of cards and PIN's, I make it absolutely clear that PIN's cannot be changed outside of the UK and PIN's/chip's cannot be unlocked outside of the UK.

P.S - Your PIN reminder will be just that - a reminder of your existing PIN. The only person who can change it is you... At a UK ATM! A PIN and a CVV number (the 3 digit security code on the signature strip) is not presented to the card issuers so no one should be able to tell you what is it.

Unfortunately this is the main problem with the UK using offline PIN (PIN verified by the chip). In countries like Australia where the PIN is verified with the bank, these types of problems don't happen as as the issuer can just unblock the PIN and on the next transaction the card will work as normal.

Chino

YKG1979 wrote: »

I work for a card issuer (that predominantly issue VISA cards) and if your card is issued from the UK and the PIN is locked, then the chip becomes locked also so not only do you require a PIN reminder, you also require a new card.

Could you let us know which issuer you work for so people can avoid applying for cards from an issuer that hasn't bothered to invest in the infrastructure to allow PINs to be reset at an ATM?

grumbler

YKG1979 wrote: »

.... A PIN and a CVV number (the 3 digit security code on the signature strip) is not presented to the card issuers so no one should be able to tell you what is it.

What does this mean?

Spengler

I only mentioned that my employers issue mainly VISA cards to make it relevant to the OP.

The chip and PIN website (cannot post link I'm afraid but it's as simple as adding dot co dot uk to 'chip and PIN' without spaces) suggests that this applies to all cards with chip and PIN functionality issued out of the UK regardless of the scheme provider (e.g. VISA, MasterCard or Amex) or issuer so, divulging my employers' name will not prevent you from encountering this same issue regardless of where you go for your cards.

Re PIN and CVV not being visible to card issuers - they are randomly generated when card plastics are produced. Customer Services cannot access these numbers to advise you what they are. I'm sure that with the right level of access, you probably could obtain that information but I've worked with a number of people who have pretty extensive access to our back-end systems and they can't see this information - even if they wanted to.