Chip & PIN credit cards

Chip technology is fast becoming the global standard for card security because of its enhanced functionality and protection against potential credit card fraud. All new Westpac credit cards (including reissued and replacement cards) come with an embedded microchip, for your added security.

The microchip sits within the plastic of the card, and stores your card account information in a coded format, rather than on the magnetic stripe on the back of the card.

This makes it more difficult for someone to fraudulently copy your card details (often referred to as ‘skimming’).

Key benefits
  • Increased protection - a chip card is more secure than a credit card with just the magnetic stripe on the back, as it makes it more difficult to fraudulently copy the card details.
  • More compatible overseas - chip credit cards are becoming the preferred, safer option for making purchases with a credit card overseas (e.g. in Europe, the United Kingdom and parts of Asia).
PIN's, signing & authorising purchases

A PIN is required for your chip card.

A PIN is designed to add another barrier against anyone else being able to fraudulently use your card, as the only person who should know your PIN is you. A PIN will allow you to use your card in EFTPOS terminals and ATMs *.

You can load your own personal PIN by popping into any Westpac branch with your chip card and two forms of suitable ID. If you don’t load your own PIN, we will send you a computer generated PIN within 14 days of issuing your chip card, which you can change in-branch at any time.

We recommend you complete transactions using PIN wherever possible. Most EFTPOS terminals that accept chip cards will prompt you to enter a PIN. However, there may be a few circumstances where you will be prompted to sign to authorise your purchase.

How do I use it?

In most terminals you’ll be required to insert your credit card into the top or bottom of the EFTPOS terminal, where a chip reader will scan your details.

Here's a quick guide to help get you started:

  1. Insert your card into the chip terminal
  2. Leave the card in the terminal throughout the whole transaction - it'll let you know when it's ready for you to remove it.
  3. Follow the prompts on the display screen as per usual.
  4. Enter your PIN then press 'Enter' or 'OK'.
  5. You’ll be notified as to whether your transaction has been accepted or declined. Once that’s done, the transaction is complete and your card can be removed.

Wherever you’re using your card, just follow the prompts on the EFTPOS terminal, as the process may differ for different types of terminals (especially if you’re overseas). Your Sales Assistant should be happy to help you too.

Note: You many notice that the transaction may take longer than you are used to, due to the processing of the chip. Please don’t be alarmed.

What if I need help?

If you have any more questions or experience any issues using your chip card, please

call us on 0800 888 111 (24 hours, 7 days a week).

or from overseas, +64 9 912 8000 (international toll charges apply)