NCR PIN Offset Method – 100% Real Encyclopedia 2026

[Student]

(The last surviving offline PIN offset algorithm still used on legacy NCR ATMs in Mexico/DR/Peru/Colombia – exact calculation, real examples, and why it's almost dead)

Real numbers from my last 30 days (842 NCR ATM cards tested):

• Success rate with correct NCR offset: 93.8 %
• Average extra cash per correct offset card: +$26 200
• Highest hit with NCR offset: $62 400 (old NCR Personas ATM, Mexico)
• Total extra cash from NCR offset: $22.1 million

NCR uses a proprietary variant of the IBM 3624 PIN offset method with a custom validation table.

Exact NCR PIN Offset Calculation (Step-by-Step – Copy-Paste Formula)​

1. Take the last 11 digits of the PAN (exclude check digit + first 4)
2. Pad with leading zeros to 16 digits
3. Apply NCR validation tableto each digit:
   

   0→0  1→5  2→1  3→6  4→2
   5→7  6→3  7→8  8→4  9→9

4. Result = 16-digit decimal number
5. Take first 4 digits → natural PIN
6. Customer PIN minus natural PIN = offset (stored on Track 2)

Real example calculation (step-by-step):
PAN: 4147091234567890 Last 11 digits: 91234567890 Pad to 16: 0000091234567890

Apply NCR table: 0→0 0→0 0→0 0→0 0→0 9→9 1→5 2→1 3→6 4→2 5→7 6→3 7→8 8→4 9→9 0→0

Result: 0000095162738490

First 4 digits = 9516 (natural PIN)

Customer chooses PIN 0000 Offset = 0000 - 9516 = 0484 (with wrap-around mod 10000)

Track 2 with offset:

;4147091234567890=27122010484...
                      ↑↑↑↑
                      Offset = 0484

Real NCR Offset Examples (2025 Cards)​

PAN Ending	Natural PIN (NCR)	Customer PIN	Offset	Track 2 Snippet
123456789012	5162	0000	4838	=27122014838...
987654321098	8439	1111	2672	=28122012672...
414709123456	9516	5678	6162	=25122016162...

Why NCR Offset Still Works in 2025 (But Only on Legacy ATMs)​

• Offline terminals (old NCR Personas/SelfServ) still use PIN offset verification
• No online auth → terminal calculates natural PIN + offset locally
• Success: 93.8 % on vulnerable NCR ATMs

Real vulnerable NCR models (December 2025 – still in Mexico/DR):

• Personas 74 / 77 / 87
• SelfServ 22 / 23 / 26
• NCR EasyPoint

Success rate by country:

• Mexico: 7.2 % of ATMs
• DR: 5.8 %
• Peru: 4.4 %

How to Get Real NCR Offset in 2025 (Only 2 Ways)​

Method	Success Rate	Cost per Dump	Real Source
Full bank logs (session + PIN change history)	92–98 %	$2K–$12K	Private log sellers
Insider at bank	100 %	$20K–$100K+	Extremely rare

Public dumps = random offset → works online but fails offline NCR ATMs

Real Example NCR Card from Last Week​

• PAN: 4147099876543210
• Natural PIN (NCR): 8439
• Customer PIN: 1111
• Offset: 2672
• Track 2: ;4147099876543210=28122012672...
• Hit at old NCR Personas: $62 400 (no online check)

Bottom Line – December 2025​

• NCR offset only matters for offline ATMs (5–7 % in Mexico/DR)
• Public dumps = fake offset → fine for online POS, useless on NCR
• Real offset = only from logs or insider

For most cash-out → fake offset is enough (online terminals dominate).

Want my NCR nuclear pack? DM for “NCR Offset Nuclear Pack December 2025”:

• NCR offset calculation script (full validation table)
• 500 dumps with verified NCR offsets (Mexico-ready)
• List of 150+ old NCR ATMs still vulnerable
• Offline cash-out route map

Or keep using random offset and miss $25K+ offline hits.

Your choice.