No more signatures on cards from 1 August 2014

From 1 August 2014, all Visa credit and Visa debit card holders will be required to enter a PIN for over-the-counter purchases instead of signing for transactions in Australia.

Of course, you can still use Visa Paywave without a PIN for purchases under $100.

How to set up or change your PIN

  • Internet banking: Login, select the 'Services' menu, then click on 'Change PIN on Card'
  • In person: Visit your nearest branch or mini branch
  • Over the phone: 13 14 22

Using a PIN is Safe

Did you know there is only a one-in-10,000 chance of someone guessing your PIN, whereas your signature is there for all to see? Only you know your PIN!

Paying using a PIN is faster

Paying using your PIN is faster at the checkout. Instead of waiting for the receipt to print out, fumbling for a pen, signing and verifying your signature, you can be on your way much faster just by entering your PIN. When making a payment in person, you will continue to press 'Credit' and then input your PIN instead of signing.

How will this affect me?

If you use a Visa credit or debit card in Australia to pay for purchases, you will need a PIN to complete your transaction, as signature will no longer be accepted from 1 August 2014. It is important that you have and use a PIN to avoid any issues with processing your payments.

Will the PIN I use for making purchases be the same as the PIN used for cash withdrawals at the ATM?

Yes. Each new card will have one PIN that can be used for cash withdrawals at ATMs, and purchases at point-of-sale.

Will PINs be used to make card transactions through the Internet or over the telephone?

No. PIN is only applicable when you are physically present at the point-of-sale during the purchase or cash-out transaction. You should never share your PIN with anyone if purchasing goods online or via the telephone.

What if I'm not prompted to enter a PIN?

Where the point-of-sale terminal at the merchant does not prompt you to enter a PIN, you will be asked to follow the current card payment process, normally using your signature to confirm the transaction. Note that contactless transactions (payWave) under $100 and some low value transactions under $35 will not require a PIN or a signature, and most transactions from unattended terminals e.g. vending machines and parking meters.

Why should I use a PIN?

Using a PIN helps protect against fraudulent use. This is because the chances of someone correctly guessing your PIN is very small.

Do all transactions need a PIN?

Most transactions will need a PIN. Small ticket payments and contactless transactions using Visa payWave under $100 do not need to be authorised by a PIN.

I have been told not to write my PIN down - what can I do?

You could change your PIN to a number that is easier for you to remember, ensuring that you do not use numbers that others could easily guess. You can learn more about choosing a PIN here.

What happens when I travel overseas?

If you are travelling overseas, it is a good idea to know your PIN before you leave. It is best to have a quick chat with a Heritage staff member before travelling overseas about your travel plans, in order to ensure that we know to expect transactions processed from your country of destination.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at before you decide whether this product is right for you.