Authorise transactions by pen or pin
You can choose to enter a PIN or sign for purchases
You now have the option of using a 4-digit PIN as an alternative to signing for your purchases. You can continue to sign as you've always done - the choice is yours.
You can still sign but we encourage you to use your PIN to verify the sale as it will be quicker and more convenient for both you and the merchant.
What is a PIN?
PIN stands for personal identification number and it is the security access code that belongs to a specific card. While a card can access multiple accounts, there is a single PIN to access the card itself.
We issue 4-digit PIN numbers on our cards and you may elect to have a PIN greater than 4 digits. We do not recommend this as some industries (and countries) only accept a 4-digit PIN with their terminals. If you have a longer PIN, some of your transactions may be unsuccessful.
Advantages to using a PIN
Keying in your PIN can be more convenient than signing because it's quicker - no more juggling pen, purchases and paper. Just enter your PIN and you're done.
The PIN option brings Australia into line with markets in Europe and the United Kingdom. In fact, some overseas retailers only accept PIN authorisations for credit and debit card transactions.
In Australia, every major bank, financial institution and card scheme have collaborated with retailers, merchants and service providers to ensure consistent industry-wide and nationwide implementation.
You cannot use a PIN with all cards
Currently, Westpac MasterCard® Gift cards are unable to use PIN verification. You will need to sign for transactions on these cards.
How transactions are completed using a PIN
For face to face purchases you:
- Press 'Credit' on the payment terminal.
- Enter your PIN when prompted.
- Press OK.
- Receive your receipt.
Each cardholder has their own dedicated PIN
Additional cardholders on your account will receive their own dedicated PIN.
What if I have forgotten or misplaced my PIN?
Call us on 132 032 and our Customer Support Team will issue you with a new PIN. This usually takes up to 5 working days.
Will my card be taken if I get the PIN wrong 3 times, like an ATM?
Your card will not be taken if you have entered the wrong number. If the card becomes 'blocked' due to too many incorrect PIN entries, further attempts to use the card for PIN transactions will be declined.
Get help and more information
Please contact us on 132 032, 8am - 8pm, 7 days a week if you have any questions regarding PINs.
Things you should know
Special promotions (including bonus points and promotional balance transfer rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise).
Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.
About complimentary insurance
Insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 to Westpac Banking Corporation under separate master policies. Zurich is liable for separate risks insured under the terms of each policy. Conditions, limits and exclusions apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wordings may be obtained by calling 1300 367 228 or by downloading the Westpac Credit Cards Complimentary Insurance Policy.