4 ms·

> - can't change the pin for my card online. I can't see a way for a chip card's PIN to be updated online, without physical access to the card.

by renaudg 11y ago

gambiting 11y ago
Well, I can change the pin for my Polish cards on my bank's online page, so I guess the pin must be validated with the bank's servers before allowing any transaction. There's a screenshot of what it looks like on the website: http://i.imgur.com/p19315R.png http://i.imgur.com/p19315R.png The third button from the top is "change pin"
- neximo4 11y ago
  Its not actually possible for this to work with a 'chip' card. If your polish card has a chip and you change the pin online, there is a slight chance the change wont register. Many ATMs don't send a request to check the pin/they check the pin stored on the chip. This is why you have to be physically present at an ATM to change the pin. So if you change the pin, and say go out of Poland and use it somewhere else, without using it in Poland first, it would say the PIN is incorrect. This risk might be why it is not readily available with UK banks.
  - gambiting 11y ago
    Well, I know that it definitely, absolutely works while abroad. How do I know? Because the cards from that bank don't arrive with a pin. You don't get two envelopes, one with the card another with a pin - it's just the card, then you have to go online, log in, activate the card and set the pin. I've had new cards delivered to my UK address, activated them online and they worked in the UK without any problem(without ever being used in Poland first). So maybe there is something on the chip, some variable saying "always check the pin with server"?
ucho 11y ago
It isn't, but at least for a long time that wasn't an issue. Most terminals were set to online mode, so pin wasn't verified by card but by bank. On the other hand the ones in UK mostly work in offline mode which requires the PIN to be verified by card. Not a great thing to discover abroad that your card chip doesn't contain any PIN at all. Good thing is that it can be placed/updated on card by simply using ATM.

> - can't change the pin for my card online. I can't see a way for a chip card's PIN to be updated online, without physical access to the card.

by renaudg 11y ago

> - can't change the pin for my card online. I can't see a way for a chip card's PIN to be updated online, without physical access to the card.

gambiting 11y ago

Well, I can change the pin for my Polish cards on my bank's online page, so I guess the pin must be validated with the bank's servers before allowing any transaction. There's a screenshot of what it looks like on the website: http://i.imgur.com/p19315R.png http://i.imgur.com/p19315R.png The third button from the top is "change pin"

neximo4 11y ago
Its not actually possible for this to work with a 'chip' card. If your polish card has a chip and you change the pin online, there is a slight chance the change wont register. Many ATMs don't send a request to check the pin/they check the pin stored on the chip. This is why you have to be physically present at an ATM to change the pin. So if you change the pin, and say go out of Poland and use it somewhere else, without using it in Poland first, it would say the PIN is incorrect. This risk might be why it is not readily available with UK banks.
- gambiting 11y ago
  Well, I know that it definitely, absolutely works while abroad. How do I know? Because the cards from that bank don't arrive with a pin. You don't get two envelopes, one with the card another with a pin - it's just the card, then you have to go online, log in, activate the card and set the pin. I've had new cards delivered to my UK address, activated them online and they worked in the UK without any problem(without ever being used in Poland first). So maybe there is something on the chip, some variable saying "always check the pin with server"?

ucho 11y ago

It isn't, but at least for a long time that wasn't an issue. Most terminals were set to online mode, so pin wasn't verified by card but by bank. On the other hand the ones in UK mostly work in offline mode which requires the PIN to be verified by card. Not a great thing to discover abroad that your card chip doesn't contain any PIN at all. Good thing is that it can be placed/updated on card by simply using ATM.