Debit Card Number Change

TadleyBaggie

I've just a new Lloyds debit card due to the old card expiring, the last 2 digits changed. Digit 15 was incremented and digit 16 of a PAN is a check digit so is recalculated whenever there is a change in the first 15 digits.

Replacement Nationwide debit cards have also had last numbers changed.

EarthBoy

EJLevin said:

COIAHLGW said:

My Nationwide debit card changed the last 4 digits of the card upon its expiration.
However, please let us know which banks you are with that has never changed their number in 30 years?

Thanks for your response.  Nationwide is one bank I have used in the past.

I've been with Nationwide for over 30 years. They introduced their first debit cards in the early 1990s, so obviously my card has expired and been renewed many times since then. I confirm that the card number has always changed. Every single time.  
Halifax also changes the debit card number upon renewal. 

EarthBoy

EJLevin said:

Migster said:

There can be a difference between lost/stolen cards and cards that are renewed on expiry. With a lost/stolen card you are always going to get a new 16 digit PAN, but with renewals, the PAN can stay the same. I worked for a bank years ago and we didn't change card numbers for renewals (well we did eventually as the system could only cope with nine iterations of the same card number), though I guess this may no longer be the case if banks see it as more secure to change the PAN (there's more card fraud about these days than at my time).  

Thanks for your response. If I had lost the card then of course I would expect the number to change.  But I have not lost it in this case.  Thank you for confirming that for many years the number did not change as many on this forum are disputing this.  Before my present account, I used the same bank for about 25 years but had various credit cards from other financial companies.  I never experienced the card number changing, only the 3-digit number at the back and of course the expiry date. If this is what will be happening for the future, I will just have to accept.  Thanks again.

Credit card numbers don't normally change on renewal, but your initial question was about debit cards.  Some banks might not change the debit card on renewal, but many, if not most, of them do.

EarthBoy

EJLevin said:

adamp87 said:

What’s more inconvenient? 

Changing your card numbers

or
Being a victim of fraud.

Thank you for your response.  My bank has such stringent anti-fraud systems that it is unlikely I would be a target.  

What's the name of this fraud proof bank?  

Snow_Phoenix

I agree with others whenever my debit card has been renewed the long 16 card number has always been updated. The sort code and account number for the account have never changed, which can also be used to pay for things like direct debits. It is a security thing in order to protect the card holder and if old details have been passed on they cannot be used in the future with a new expire date which can be easily guessed as banks usually have a set time frame in which they issue a new card e.g. every 3 years.  

COIAHLGW

EJLevin said:

Thanks for your response.  Nationwide is one bank I have used in the past. And HSBC. I have never been aware of any change.  And yesterday I asked some friends who said the same.  Maybe I am living in a parallel universe. 

HSBC is a bank that previously used Switch cards, so these cards absolutely had a new number after being assigned to Visa Debit.  Is there any other institution the 30 year same number card may be from?

born_again

EJLevin said:

jonesMUFCforever said:

Debit cards number have always changed the last 4 digits - how else would you distinguish a lost card from a live valid one?

Perhaps from the 3-digit security number on the reverse?  Thanks for your response.

You are aware that the CVV is not always required for online transactions.

I'm intrigued to know which bank has kept the same card number for so long. Given that most switched from Meastro cards to Visa years ago. So there is no way that switch would see the same card number.

cymruchris

Do you still have all of your old cards showing the exact same number? I imagine what's happened is that every time you've had a new card - you've also had a new number - but haven't noticed it.

The way cards work with continuous payment authority items such as your monthly subscription to something like spotify - is that behind the scenes your original card that you entered, which was then replaced, links to the new details automatically at the banks end. If company X has taken £9.99 a month from you on the old card for the last year, they let company X continue to take £9.99 a month once you get a new card, without you having to re-input the details, although the number clearly isn't the same. They continue to let company X continue to take £9.99 until you tell them to stop. So as mentioned - last time you got a new card - all of your payments might have carried on - you'd not notice - but the card number had changed.

Migster

As I posted earlier, the bank I worked for used to keep the same PAN and that was Abbey National / Santander. Maybe we were the only people doing it, but it was a long time ago (I left 15 years ago) and card fraud has changed a lot since then, so it may well be more prudent these days to renew with a different PAN.    

Rhubarb_Shed

I'm pretty certain the Co-op have never changed their debit card numbers.