Protecting your cards and their PINs

CARD SECURITY.

Here are some simple steps you can take to protect your card from fraud.

 

Protecting your card.

  • When you get your card, if it has a signature strip on the back, sign in the space provided straight away.
  • Don’t record your card number or the Card Verification Value (CVV) code (the
  • 3 or 4 digit code found on the back of your card).
  • Never let anyone else use your card.
  • Keep your card in a safe place.
  • When your card expires, destroy it by cutting it in half diagonally a few times making sure you cut through the chip, if it has one.
  • Regularly check that you have your card.

 

 Protecting your card PIN.

  • If you received a letter containing your PIN, destroy it after memorising the PIN.
  • It’s best to memorise your PIN. If you must write it down, put it somewhere separate to where you keep your card, so they can’t be stolen together.
  • Never write your PIN on your card, even if you somehow disguise the real number and don’t write it on anything else that may be lost or stolen with the card.

 

Keeping your PIN secret.

  • Keep your PIN secret from everyone – even family and friends.
  • Don’t tell your PIN to anyone over the phone. Bank staff will never ask for your PIN.
  • When you’re entering your PIN into a keypad, make sure no can see you enter it.
  • Never enter your PIN into a web page that you reached using a link in an email, no matter how legitimate the site looks.
  • You must make a reasonable attempt to protect the security of your PIN and must not act with extreme carelessness in its protection.

 

Card security in stores.

Using your debit or credit card in stores is usually safe, but there are some steps you should take to prevent ‘skimming’ – unauthorised copying of the info stored on your card’s magnetic strip.

  • Don’t let anyone walk out of sight with your card to process a transaction.
  • Always watch your card being swiped through a card terminal – it should only happen once per transaction.
    • If a transaction fails or is cancelled, ask for the cancellation receipt.
    • Keep an eye out for unusual devices being used with your card – these could be handheld or stored near a legitimate card terminal on a counter or at an ATM. If you think an illegal device has been used to scan your card, get in touch with us immediately.

We have put together a useful fact sheet to help you keep your cards and their PINs secure.

Your ME Bank guide to card and PIN security PDF download (43kb)

You can download the guide here, or alternatively call us on 13 15 63 and we can post you out a copy. We will also post you a copy once a year with your bank statements.

Remember to always be alert when using your card(s), and to report any suspicious or unauthorised transactions to us immediately on 13 15 63.