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Content:
Together with a plastic card of any payment system, the bank issues a sealed, shaded envelope from the inside. This secrecy is not accidental at all: the envelope contains an important digital code, usually consisting of 4 digits (but there may be a different number), which is a personal identifier - this is the PIN code of a bank card (from the English PIN - personal identification number). Sometimes it is sent during the card activation process. This is a kind of digital signature of the client, which allows the banking system to remotely determine that the operation with the card (payment, access to the card's capabilities at the ATM) is carried out by its owner (holder), and not by an unauthorized person. In simpler terms, this is the password for the card.
How to find out the PIN-code of the card
It is very easy to find out the PIN code if you have an envelope with an issued card in your hands. The envelope always contains the name and surname of the cardholder. Sometimes it is also marked with an account number, but for the sake of greater security, it is better when the account is indicated inside. To make sure that the PIN code really belongs to a particular card, the last 4 digits of the bank card number are often indicated on the envelope. The very same personal identifier is indicated on the insert where the card is usually attached.
In some cases, for example, at Bank, you can find out the PIN code on the bank's website during the activation of the Platinum card (or another card from Bank) - it will be sent to you by SMS. How to find it out in other ways (if there is no Internet at hand) you will be prompted by the bank's free hotline.
Having found out his personal identification number, the client should in no case provide this information to a third party and keep the PIN together with the card in one place (especially in his wallet). When typing a combination of numbers, you need to make sure that the actions do not fall into the field of view of strangers.
IMPORTANT! : A PIN code is never required for online shopping (it is sometimes confused with the CVC2 / CVV2 authentication code), so the first time you try to request such information, it is better to immediately leave the site that uses financial fraudulent schemes.
How to recover your PIN if you have forgotten or lost it
The PIN-code cannot be restored, since its only copy is in a sealed envelope, which is issued to the cardholder. Even in the banking system for servicing payment cards, it does not appear, therefore, if the PIN code is forgotten, and the envelope can not be found in any way, it is necessary to come to the bank and write an application for card reissue due to the loss of the personal identification code. Moreover, be sure to focus the attention of a bank employee on this, because, for example, even when the card expires, the bank will reissue it with the same code (assuming that the cardholder remembers it).
Sometimes it is enough to enter the PIN code once (rely on the memory of the fingers) to remember the coveted combination, but you should not get carried away in this way. Each bank issuing plastic cards sets a border on the permissible number of incorrect PIN-code entry (at ATMs or in POS payment terminals in retail outlets), after which the card is automatically blocked, and withdraw money from it at an ATM or pay at a store (where code required) will not work. Sometimes the card can even be withdrawn by the ATM. Typically, each cardholder has three such attempts.
If the money on the card blocked after the incorrect PIN-code entry needs to be withdrawn as soon as possible, without waiting for the re-issue of a new card (this procedure can take up to 7 days or more), then you can contact the bank's cash desk with your passport. The cashier will be able to dispense cash directly from the bank account after you present your passport.
Can I change my PIN
If, upon receipt of the card and envelope, it turned out that the PIN-code has a combination of numbers that is difficult to remember, it can be changed to a more convenient one. This operation can be done at any ATM of the issuing bank by paying a certain amount of commission for it or free of charge (depending on the tariffs of the bank). By and large, you can change this personal identifier at any time, the main thing is not to forget its previous value - it will be needed when changing.
But financiers do not recommend changing your personal identifier frequently. As a rule, a person constantly chooses the same combination of numbers, which could already become known to outsiders, since it has been used for a long time. Moreover, clients, coming up with a convenient combination, take standard sets of numbers that are known to many scammers (for example, dates of birth or weddings).
Safe use of a PIN code is a guarantee of the safety of your funds
In order not to find yourself in a difficult situation, you just need to follow one simple rule: the PIN code of your card must not be disclosed to anyone. Not to relatives, not to consultants in stores, not to waiters in restaurants, not to bank employees. It must be entered with your own hand. This is especially true when a payment card is issued for the first time, and some gullible clients allow the manager to print a PIN envelope and enter a code for them. Such frivolity is fraught with the most deplorable consequences, since then it will not work to accuse the dishonest employee of fraud: there is a clause in the rules for using the card that it is the cardholder who is solely responsible for not disclosing his personal identification code.
Some banks have developed a special system for delivering payment (credit and debit) cards to their customers - mailing lists. The card and PIN are sent in two separate envelopes to minimize the risk of theft. This is very convenient, since it does not require additional spending of time going to the bank. But there is one important nuance, drawing attention to which, you can not worry about the further safety of your money on the card. Envelopes with a card and a PIN code received by mail should not have any mechanical damage. If there is a suspicion that the integrity of the paper bag has been violated, you should immediately call the bank's hotline and block the account. And then personally come to the branch and order the re-issue of a new card.
- How to find out the PIN-code of the card?
- How to recover your PIN if you have forgotten or lost it
- Can I change my PIN
- Safe use of a PIN code is a guarantee of the safety of your funds
Together with a plastic card of any payment system, the bank issues a sealed, shaded envelope from the inside. This secrecy is not accidental at all: the envelope contains an important digital code, usually consisting of 4 digits (but there may be a different number), which is a personal identifier - this is the PIN code of a bank card (from the English PIN - personal identification number). Sometimes it is sent during the card activation process. This is a kind of digital signature of the client, which allows the banking system to remotely determine that the operation with the card (payment, access to the card's capabilities at the ATM) is carried out by its owner (holder), and not by an unauthorized person. In simpler terms, this is the password for the card.
How to find out the PIN-code of the card
It is very easy to find out the PIN code if you have an envelope with an issued card in your hands. The envelope always contains the name and surname of the cardholder. Sometimes it is also marked with an account number, but for the sake of greater security, it is better when the account is indicated inside. To make sure that the PIN code really belongs to a particular card, the last 4 digits of the bank card number are often indicated on the envelope. The very same personal identifier is indicated on the insert where the card is usually attached.
In some cases, for example, at Bank, you can find out the PIN code on the bank's website during the activation of the Platinum card (or another card from Bank) - it will be sent to you by SMS. How to find it out in other ways (if there is no Internet at hand) you will be prompted by the bank's free hotline.
Having found out his personal identification number, the client should in no case provide this information to a third party and keep the PIN together with the card in one place (especially in his wallet). When typing a combination of numbers, you need to make sure that the actions do not fall into the field of view of strangers.
IMPORTANT! : A PIN code is never required for online shopping (it is sometimes confused with the CVC2 / CVV2 authentication code), so the first time you try to request such information, it is better to immediately leave the site that uses financial fraudulent schemes.
How to recover your PIN if you have forgotten or lost it
The PIN-code cannot be restored, since its only copy is in a sealed envelope, which is issued to the cardholder. Even in the banking system for servicing payment cards, it does not appear, therefore, if the PIN code is forgotten, and the envelope can not be found in any way, it is necessary to come to the bank and write an application for card reissue due to the loss of the personal identification code. Moreover, be sure to focus the attention of a bank employee on this, because, for example, even when the card expires, the bank will reissue it with the same code (assuming that the cardholder remembers it).
Sometimes it is enough to enter the PIN code once (rely on the memory of the fingers) to remember the coveted combination, but you should not get carried away in this way. Each bank issuing plastic cards sets a border on the permissible number of incorrect PIN-code entry (at ATMs or in POS payment terminals in retail outlets), after which the card is automatically blocked, and withdraw money from it at an ATM or pay at a store (where code required) will not work. Sometimes the card can even be withdrawn by the ATM. Typically, each cardholder has three such attempts.
If the money on the card blocked after the incorrect PIN-code entry needs to be withdrawn as soon as possible, without waiting for the re-issue of a new card (this procedure can take up to 7 days or more), then you can contact the bank's cash desk with your passport. The cashier will be able to dispense cash directly from the bank account after you present your passport.
Can I change my PIN
If, upon receipt of the card and envelope, it turned out that the PIN-code has a combination of numbers that is difficult to remember, it can be changed to a more convenient one. This operation can be done at any ATM of the issuing bank by paying a certain amount of commission for it or free of charge (depending on the tariffs of the bank). By and large, you can change this personal identifier at any time, the main thing is not to forget its previous value - it will be needed when changing.
But financiers do not recommend changing your personal identifier frequently. As a rule, a person constantly chooses the same combination of numbers, which could already become known to outsiders, since it has been used for a long time. Moreover, clients, coming up with a convenient combination, take standard sets of numbers that are known to many scammers (for example, dates of birth or weddings).
Safe use of a PIN code is a guarantee of the safety of your funds
In order not to find yourself in a difficult situation, you just need to follow one simple rule: the PIN code of your card must not be disclosed to anyone. Not to relatives, not to consultants in stores, not to waiters in restaurants, not to bank employees. It must be entered with your own hand. This is especially true when a payment card is issued for the first time, and some gullible clients allow the manager to print a PIN envelope and enter a code for them. Such frivolity is fraught with the most deplorable consequences, since then it will not work to accuse the dishonest employee of fraud: there is a clause in the rules for using the card that it is the cardholder who is solely responsible for not disclosing his personal identification code.
Some banks have developed a special system for delivering payment (credit and debit) cards to their customers - mailing lists. The card and PIN are sent in two separate envelopes to minimize the risk of theft. This is very convenient, since it does not require additional spending of time going to the bank. But there is one important nuance, drawing attention to which, you can not worry about the further safety of your money on the card. Envelopes with a card and a PIN code received by mail should not have any mechanical damage. If there is a suspicion that the integrity of the paper bag has been violated, you should immediately call the bank's hotline and block the account. And then personally come to the branch and order the re-issue of a new card.
