Currently, when you use your MasterCard, Visa, American Express or Diners Club card to pay for something at a shop you press ‘credit’, and sign to accept the transaction.

From 4 June 2008, participating shops in Australia will be able to accept a Personal Identification Number (PIN), giving you an alternative. Of course, you can continue to sign as you’ve always done.

As a Bendigo Bank cardholder* you would have received a PIN when your debit or credit card was issued. If you don't know your PIN please visit any Bendigo Bank Branch or call 1300 366 666 to arrange a replacement.

If you wish to change your PIN, please go to any Bendigo Bank ATM and follow the screen prompts.

PIN – a quick, easy way to pay

When you’re ready to pay for your goods, check-out staff may ask if you would like to enter a PIN or sign for your purchase.

		1. Check to make sure the amount of the transaction is correct.
		2. Press the CREDIT key.
		3. Enter your PIN on the keypad.
		4. Press the OK/ENTER key.
		5. For your protection, the numbers of the PIN you enter are not displayed on the screen – you will see asterisks (****) instead.
		6. The screen will show you if the transaction has been approved and you will be issued a receipt.

Frequently Asked Questions

Q: What is a PIN?
A: A Personal Identification Number (PIN) is a number either allocated to you directly by the issuer of your card or selected specifically by you and known only by you. The PIN is used as verification for transactions such as cash withdrawals from ATMs. The PIN is also specific to the card.

Q: Why do we need a PIN?
A: A PIN is an alternative form of verification. It does not replace signing but offers cardholders a new choice.

Q: Can I still sign for my payments?
A: Yes. You still have a choice between signing or entering a PIN.

Q: I have a PIN on my card already. Do I need a new PIN?
A: No, you can use your existing PIN.

For cardholders with a disability
If you have concerns about using PIN, contact us and we will be happy to discuss this with you. Don’t forget, if you used a signature before, you can still use this method to authorise payments.

Keep your PIN a secret

• Don’t allow anyone else to use your card, PIN or other security information.
• Always memorise your PIN. If you need advice on managing your PIN, please call us.
• Always take reasonable steps to keep your card safe and your PIN secret.
• We will NEVER ask you to disclose your PIN.

For Merchants

Most Australian financial institutions are progressively adding the “PIN to validate credit transactions” functionality to their EFTPOS terminals. As you are aware there are many different card types and terminals so PIN may not be available on all cards from day one.

If you experience any problems, or if you have any additional queries about your Merchant Facility please call 1300 132 741.

Visit penorpin.com.au for more details.

*Not applicable to certain business card accounts