Barclaycard - View my PIN

brispope

I try hard to keep my online security as secure as I can. The Barclaycard mobile app now has a VIEW MY PIN option. Thanks Barclaycard, you're really not helping.

Rails

If it gets to the point where someone can pass the security to get into the app then I think you have failed anyway I am afraid. It could be quite a handy feature for someone that justs keeps a credit card for emergencies and has not already changed the PIN to something memorable.

datlex

brispope wrote: »

I try hard to keep my online security as secure as I can. The Barclaycard mobile app now has a VIEW MY PIN option. Thanks Barclaycard, you're really not helping.

I tried it out on mine. It sends you a text after showing you the pin to say someone looked up your pin, which means if someone else did you would know and could take action.

brispope

Agreed, but there is a lack of secondary security. To view the PIN you only have to enter the same security code needed to access the app. When I worked in banking no PIN codes were allowed to be displayed in the open without encryption.

DUTR

brispope wrote: »

Agreed, but there is a lack of secondary security. To view the PIN you only have to enter the same security code needed to access the app. When I worked in banking no PIN codes were allowed to be displayed in the open without encryption.

Then get a job at B security? I tried the feature, I don't see what your complaint is really.

brispope

From the British Bankers Association:

12 tips to avoid being a victim of fraud

1. Always shield your PIN and don’t ever send it over the internet or disclose it to anyone. Your bank or the police will never phone or email you to ask you to disclose it.


Just putting it out there guys - it no longer affects me as I have just shredded my Barclaycard

DUTR

brispope wrote: »

From the British Bankers Association:

12 tips to avoid being a victim of fraud

1. Always shield your PIN and don’t ever send it over the internet or disclose it to anyone. Your bank or the police will never phone or email you to ask you to disclose it.


Just putting it out there guys - it no longer affects me as I have just shredded my Barclaycard

By viewing your own card pin on a secure app, the user is not sending it out over the interent or disclosing it to anyone.

chattychappy

I agree, it's not ideal. I don't have use the app myself, but I would have thought that there are a number of measures which could improve the security of this - eg asking a further security question or a delay of a few hours between when you request it and when you can display it (which would be a frustration if you need the PIN there and then).

In the absence of this facility, requesting by post is probably no safer. Also, there are so many PINs people need these days, many I know simply write them down. They are less likely to do this if they can easily look it up. So perhaps on balance this feature doesn't increase risk given the realities of the way people behave.

Legally, it's the CC that's liable for unauthorised transactions. Use of a PIN is often considered by the CC as evidence that the cardholder must have performed the transaction. But use of a PIN combined with a recent request for the PIN via the app plus the phone being stolen/compromised would make it more difficult to prove that the transaction is authorised. (And the onus of proof is on the CC, not you. In the event you have been negligent, the most you can be liable for is £50.)

Missus_Hyde

I used it out of curiosity, but quite honestly, I think it's a bit gimmicky; rather like the Experian credit score you can also look up on the app.

As the score is actually some fictitious number and of no practical use, the looking up of your PIN number is equally pointless (unless as Rails commented, it's an infrequently used number and the app is simply to refresh the memory.)

Shakin_Steve

Just remember your PIN.....simple.

williham

It's complaints like these that hold industries back. Of course you should be able to view your pin online. Other banks have been doing it for as long as I can remember and obviously don't have any problems. Why would you be happier waiting for a pin in the post !?