Your PIN (Personal Identification Number) is unique to your Access, VISA Debit or VISA Credit Card, and without it you're unable to access money at ATM or EFTPOS outlets.

By protecting your PIN you reduce your chances of card fraud and keep your money safe.

How PIN theft typically occurs

The most common way your PIN can be captured is by a hidden camera at an ATM which secretly films what you enter on the keypad. These illegal cameras are typically fitted to look like a genuine part of the ATM and can be difficult to spot.

Criminals can also fit devices to the ATM which copy the details from your card as you insert or swipe it. They can then use this data to clone your card and make a copy of it. Combined with your PIN, they can then use it at an ATM or shop just as you would.

Our top tips for protecting your PIN

  • Always shield your PIN
    Always take care to shield your PIN when using an ATM or EFTPOS terminal. Use your free hand or purse / wallet to cover the key-pad while entering your PIN.
  • Be aware of your surroundings
    Look out for anybody standing too close to you - they might be watching you enter your PIN. If you're uncomfortable, cancel the transaction and use a different machine.
  • Memorise your PIN
    Do not write it down or store it in your mobile phone.
  • Make your PIN hard to guess
    Select a unique PIN. Never use obvious information such as your telephone number, date of birth or street number.
  • Keep your PIN secret
    Don't tell anyone your PIN, and if you suspect someone else knows it change it immediately. Be extremely wary of emails or telephone calls asking you to share your PIN for security or login purposes, even if they appear to be from your financial institution.
  • Check your statements
    Check your statements when you receive them, and contact us immediately if you detect any unusual activity, for example, purchases or ATM withdrawals you didn't make.

More information

For more information about keeping your card details safe visit

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