Chip & Pin

What is Chip & PIN?

Is my St. James's Place Bank credit or debit card Chip & PIN enabled?

Can criminals access the PIN on my card?

Can I use my Chip & PIN card abroad?

If I do not use my card at a cash machine, how will I know my PIN?

Who else knows my PIN and who is it safe to reveal it to?

Will people be able to see me entering my PIN at a keypad?

Are any of my bank details available to the shop?

Will my PIN be printed on my receipt?

What does "locking your PIN" mean?

How do I "unlock" my PIN if I remember it later?

What should I do if I forget my PIN?

What should I do if I suspect somebody knows my PIN?

I have special needs and cannot use a PIN machine.

Where can I find more information?



What is Chip & PIN?

Chip & PIN is a secure way to make payments using your credit card or debit card. It has replaced the old system where customers would sign a paper slip to authorise a payment. Now, whenever you use your card to make a payment in a shop, you will be asked to enter a memorised 4-digit Personal Identification Number, known as a PIN. This is the same number that you can use to make withdrawals from a cash machine.

Back to top

Is my St. James's Place Bank credit or debit card Chip & PIN enabled?

Yes. From 2005, all St. James's Place Bank card holders received new Chip & PIN enabled credit and debit cards.

Back to top

Can criminals access the PIN on my card?

No. The PIN is securely encrypted within the Chip which means that it is extremely difficult and time-consuming for criminals to access the PIN on a stolen card. If they were to attempt to do so, it is likely that your card would be destroyed in the process.

Back to top

Can I use my Chip & PIN card abroad?

Yes, you will be able to use your Chip & PIN card abroad in any shop which has upgraded to Chip & PIN. If a shop has not yet upgraded, you will be asked to sign for any purchases.

Back to top

If I do not use my card at a cash machine, how will I know my PIN?

If you do not know or cannot remember your PIN, you can request a PIN by telephoning:

Debit cards - 0800 587 5557
Credit cards - 03456 08 08 12

You can then change your PIN to an easy-to-remember number at any Halifax or Bank of Scotland cash machine.

Back to top

Who else knows my PIN and who is it safe to reveal it to?

No one except you should know your PIN. It is very important that your PIN is never disclosed to anyone - including your bank, the police and shop assistants. You should never reveal your PIN when shopping online or over the phone. Never allow anybody else to use your card and PIN.

Back to top

Will people be able to see me entering my PIN at a keypad?

Although PIN keypads are designed to minimise this risk, you should take care when entering your PIN at a keypad, just as you do at a cash machine. Shield the view whenever possible and do not enter your PIN if you feel you are being observed.

Back to top

Are any of my bank details available to the shop?

No, the shop will not see any of your bank details other than those printed on the outside of your card.

Back to top

Will my PIN be printed on my receipt?

No, your receipt will only carry the words, "Verified by PIN".

Back to top

What does "locking your PIN" mean?

If you forget your PIN when shopping and enter it incorrectly three times at a keypad or a cash machine, your PIN will be "locked", preventing you from using your card. This is a fraud safeguard designed to protect you, should your card become lost or stolen.

If your PIN becomes locked, please telephone:

Debit cards - 0800 587 5557
Credit cards - 03456 08 08 12

and we will be able to help you.

Back to top

How do I "unlock" my PIN if I remember it later?

If you lock your PIN at a shop or cash machine, and then remember it later, you can unlock it yourself at any Halifax or Bank of Scotland cash machine. You can do this by typing in your correct PIN, selecting the 'PIN services' option and then the 'PIN unlock' option. If you cannot remember your PIN, please call the appropriate phone number shown above. Please note that you will not be able to use your Chip & PIN card in shops until the PIN has been unlocked.

Back to top

What should I do if I forget my PIN?

If you cannot remember your PIN, you can request a PIN reminder by calling:

Debit cards - 0800 587 5557
Credit cards - 03456 08 08 12

This will be sent to you in 3 working days and you can use any Halifax or Bank of Scotland cash machine to change it to a more memorable number.

Back to top

What should I do if I suspect somebody knows my PIN?

If you suspect that somebody knows your PIN, you should change it immediately at any Halifax or Bank of Scotland cash machine.>

Back to top

I have special needs and cannot use a PIN machine.

St. James's Place Bank is committed to ensuring that all our customers with special needs who are not able to use a Chip & PIN card are offered the use of an alternative, such as a Chip & PIN signature card, which will enable you to use your signature to authorise payments.

Back to top

Where can I find more information?

You can visit the Chip & PIN website (opens in a new browser window).

Back to top


Close this window