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When will chip and PIN affect me?
It is expected that the majority of card transactions in the UK will be by chip and PIN by 2005. Your card issuer will contact you with instructions, a PIN advice (if appropriate) and new payment card(s) at the appropriate time.
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When will I get my chip and PIN card?
New chip and PIN cards will be issued any time between now and 2005 according to the individual plans of the card issuers and building societies. Your card issuer will be in touch with full information when they are ready to issue a new chip and PIN card to you. Typically, this will be when your current cards reach their expiry date.
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I am disabled; will chip and PIN affect me?
You should talk to your card issuer regarding your specific needs. Chip and PIN provides an additional option to cardholders who may currently have difficulty using signature.
(If you have an impairment that prevents you from entering or remembering a PIN you may be able to continue to pay using the method you use today. You should contact your card issuer to discuss your own individual requirements.)
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What if the retailer does not accept chip and PIN?
Where the retailer has not upgraded to chip and PIN technology, you will be asked to follow the current card payment process using your signature to confirm the transaction.
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Can I still pay by cheque once PIN is introduced at the point-of-sale?
Yes. Cheques supported by cheque guarantee card will continue to be a valid form of payment.
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Will my new chip and PIN card still need to be signed on the reverse?
Yes. This will still be necessary, as the signature will continue to be used for verification in certain situations (e.g. travelling abroad to a country where chip and PIN is not used / where retailer has not upgraded to chip and PIN / where the card is used as a cheque guarantee card).
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What will my card look like?
Your card will look the same as it does today. Many cards today are issued with a “chip” in them, and so you may think you have a chip and PIN card. However, not all of these cards ask you to enter a PIN when you pay for your goods and services. When your new card is issued, you should read the letter or the literature that accompanies your card or PIN to check if it is a chip and PIN card. If it is not a chip and PIN card, don't worry. Chip and PIN cards are being sent out at the moment and you will be receiving yours soon. If you do have a chip and PIN card, there will be occasions when the person accepting your card for payment, in the UK and abroad, will not be able to process a PIN transaction and you will be required to sign instead, just as you always have done.
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What will happen to my old card(s)?
When you receive your new chip and PIN card you should cut up and dispose of your old card securely as you do now. However, where your new card has a start date on the front of it, only destroy your existing card once your new card has become valid.
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Are there any changes to the Terms and Condition of card usage?
Any changes will be notified to you by your card issuer.
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Will it affect the use of cashback with a debit card?
No. The services provided by your card will not change.
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What will happen to any cards I use for business purposes?
Whether you own your own business, or you are an employee of a large organisation, all plastic cards issued for business use will be upgraded to chip and PIN over time. Such cards are commonly known as commercial, business, company, corporate or purchasing cards and they are generally used to make business-related payments such as paying invoices or to pay for personal expenses. All cards will be reissued with PINs and you will also be able to change your PIN at UK cash machines. As with all chip and PIN cards, if you travel abroad, your cards will continue to be accepted in all the places they are today.
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When will any cards issued to me for business use be chip and PIN?
All these cards will move to the new chip and PIN system over time. When this happens will vary according to the card issuer involved. Cardholders do not need to do anything; you will be issued with a new card automatically in due course.
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Will I be able to withdraw cash on a card issued by my employer?
That will depend on the policy of your employer.
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I am blind or partially sighted, how will this affect me?
You are likely to come into contact with a variety of PIN terminals in different types of shops. Some will have a separate PIN pad that is attached to the till via a wire. Some may combine the card reader with the PIN pad in one unit. Others may have the PIN pad built into the shop counter. The terminals used in restaurants may be wireless so that you can pay whilst sitting at the table without letting your card go out of sight.
You will need to enter the same PIN regardless of the design. All PIN terminals will have the same layout of keys, similar to a telephone keypad with a raised point on the 5 button.
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I have trouble using my hands, how will this affect me?
We know that some people may have difficulty using their PIN because they have difficulty using their hands due to conditions like arthritis or cerebral palsy. If you are concerned about your ability to use a PIN pad, you should speak to your bank.
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I may have trouble remembering my PIN, how will this affect me?
If you have a condition which might make it difficult for you to remember your PIN, you should speak to your bank.
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