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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

Personal Identification Number (PIN) is the security access code that belongs to a specific credit or debit card. Some cards can be used to access more than one account; however there is only one PIN to access the card itself.

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 Sydney Time, 7 days)
  • 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.