Chip & Pin FAQ

Q: Will anything else be different about my new PIN protected card/account?

A: No, the only difference is that your card will contain a new type of microchip that is PIN protected. This means that you will need to remember your PIN.

Q: What about my other cards? Will they be replaced?

A: Yes, if you have any other cards, they will be replaced with PIN protected cards before they are due to expire.

Q: Can I change my PIN?

A: Yes, please refer to your card issuer on how to change your PIN. Most PINs can be changed at ATMs. For further advice please contact your card issuer.

Q:What happens if I forget my PIN?

A: If you cannot remember your PIN, please contact your card issuer immediately and they will send you a reminder. For further advice please contact your card issuer.

Q: Do I use my PIN for telephone, mail order or Internet purchases?

A: No. In the same way that you do not currently confirm these purchases with a signature you will not use your PIN to confirm these purchases.

Q: How will I know when I have to use a PIN or my signature to pay?

A: If you need to enter your PIN the sales assistant will ask you and will help you through the process. Remember that you should never tell the sales assistant or anyone else your PIN regardless of who they may be.

Q: What happens if I enter the wrong PIN?

A: Like at a cash machine, you have three attempts to enter your PIN correctly. If you enter the wrong PIN three times in a row, even if you go to three separate shops for each attempt, your card will become 'locked' and your transaction cancelled. If your card becomes 'locked', keep hold of it and then contact your issuing bank immediately.

Q: Will the retailer be able to see my PIN?

A: No. The retailer will not be able to see your PIN, either printed or on- screen, but you should still enter it discreetly.

Q:What happens if I can’t use a PIN?

A: If you have a condition, which may restrict your ability to remember or enter a PIN, please contact your card issuer immediately to find out how they can assist you.

Q: I live abroad; will I be issued with a new PIN protected card?

A: Yes, if you live outside of the Republic of Ireland and own a card issued from a Republic of Ireland card issuer.

Q: Will I be able to use my new card outside the Republic of Ireland?

A: Yes. However, as technology currently differs between countries, instead of entering your PIN you may need to sign your name as you do today.

Q: Will I be able to change my PIN at a cash machine outside the Republic of Ireland?

A: Currently, you are unable to change your PIN at a cash machines outside the Republic of Ireland.