Author: Matt Scully

Get smart when it comes to your PIN

It's a common misconception that using a signature instead of a PIN when using our Credit and Debit Cards is the safer option. This is simply not true, writes Greater Transaction Services Manager Matt Scully.

Not only is paying with a PIN safer than signing for purchases, it also presents the faster, more convenient option at the checkout.

We’ve all been stuck behind someone at the grocery checkout because they want to sign for their bottle of milk and loaf of bread. It can be irritating to say the least.

But if you’ve never used a PIN before, or if you’ve forgotten it due to your affinity with pen and paper, you can request a new one from The Greater and you can even nominate a PIN of your own making.

We know change can be a little daunting, though, so we’ve put together some handy, easy to follow security tips when it comes to paying with a PIN.

1. Don’t make it easy

While you have the option to choose your own PIN, you want to avoid making your PIN too obvious. Try to avoid using numbers from your birthday, phone number or home address when selecting your four digits. Make your PIN something difficult to guess or discover.

2. Be Random

While you want your PIN to be something you’ll remember, don’t just select common sequences like ‘1234’. Make your PIN a random selection and don’t use any number sequences from your card.

3. Memorise

When you finalise your PIN, think like an agent in ‘Mission Impossible’ – your PIN message will self-destruct in 5 seconds. You need to memorise your PIN and never write it down. Don’t keep it in your wallet, don’t write it on your card, don’t keep it in your phone.

4. Sharing isn't caring

At The Greater, we will never contact you asking you for your PIN. You should never share your PIN with anyone, either on the phone or in person. You are the only person who should ever know your PIN or use your card.

5. Sleight of hand

Wherever you’re using your card – at the checkout or at an ATM, be sure to cover the keypad with your hand when entering your PIN. This is a sure-fire way to foil any prying eyes!

If you are a Greater customer and currently use signature instead of PIN for Credit and Debit Card purchases, you should consider the safety and convenience of switching to PIN.

Its really quite easy – simply get in touch with us:

  • Call our Customer Service Centre on 1300 651 400 (Mon – Fri 8:00am to 5:30pm and Sat 8:00am to 1:00pm)
  • Drop into your nearest branch

One of our friendly staff will arrange to have a new PIN sent out to you.

Once you receive your new PIN, simply stop by any Greater ATM to change your PIN to a new four-digit number of your choice.

Do you have any PIN security tips you think we’ve missed? Why not leave them in the comments below?