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PIN’s the only way to pay

From 1 August 2014, signatures are being phased out as a form of authorisation for credit card payments in Australia.  All Australian credit cards and debit cards will instead use a PIN number to authorise payments at the point of sale.

Don’t get caught out – make sure you are prepared for the credit card PIN changes.

Why use a PIN?

It's more secure than signing – It’s easy for someone to see your signature, but only you know your PIN. Using your PIN for purchases on your credit and debit cards is safer than signing and makes it harder for card fraudsters. There’s only a 1 in 10,000 chance of somebody guessing your PIN.

Faster and more convenient – using your PIN is quicker than signing. Just enter your PIN and you’re done.

Internationally more accepted – some overseas retailers only accept PIN to authorise credit and debit card transactions. So ensure you know your PIN if you’re travelling overseas.

Frequently asked questions

What is a PIN?
Do I need a PIN when using contactless technology?
How many digits are used?
How do I choose a secure PIN?
How do I set my own PIN online for a new card?
Will the additional cardholder's PIN be the same?
How do I change my existing PIN online?
I forgot my PIN, how do I get a new one?
Do I need to change my PIN for a replacement card?
Can I get a PIN issued online or by email?
What if I can’t use Online or Mobile Banking?

Need help or want to find out more?

Visit your local branch or call us on one of the numbers below:

  • Personal credit or debit card customers: 1300 651 089 (within Australia, 8am-8pm, 7days/week)
  • Business or commercial card customers: 1300 650 107 (within Australia, 8am-8pm, Monday to Friday).    

Things you should know

*Westpac Debit MasterCard – all cards issued since 1 March 2015. Westpac Handycard – all cards are eligible regardless of when they were issued.


Westpac Online Banking registration required. Refer to for Online Banking conditions of use.

^Available at most ATMs.