Which banks are ready for Chip and Pin and which aren't?

Halifax isn't. Is there anymore?

Tha Halifax is, and has been since it first came out.

oh, I don't understand then.

I filled up the car the other day and they asked me if I wanted to use chip and pin and as I had just been issued a new card, I figured it might support this. I tried to use it and then when the cashier realised it was a Halifax card she told me that Halifax don't have it yet.

The cashier also made reference as though almost all other banks had it.

I thought this was unusual.

Wierd.

You should have had a new card sent that is now a VISA DEBIT rather than the SWITCH. This card is chip and pin enabled

I have that, that is why I thought it would now work with the chip and pin, but was told otherwise by staff in a Petrol filling station.

Q. What is happening and when?
A. The use of the PIN with the chip will gradually be introduced during 2004. Most banks, including HBOS, are already issuing credit or debit cards with chips. From 19th May 2004 all new and replacement Credit Cards will have a PIN-enabled chip, ready to use. This will come into effect for bank account Debit cards from mid September 2004.

Looks like the staff may be wrong.

I will go fill up tomorrow and request to try it.

My Halifax chip and pin card works fine :) Just can never remember my pin :blush:

Llllllllloyds tsb have not got it.

Originally posted by neeeeeeeeeek
Llllllllloyds tsb have not got it.

My Lloyds TSB card has. Used it in Tesco the other day.

My switch card from Yorkshire has it.

I've only ever used it about twice though since its inception.

Ive been using chip and pin for ages now.- Lloyds T.S.B.

I've had a Chip and Pin card for ages too - staff got them before customers in my bank.

Any new cards issued should now be C&P enabled. Ignore what shop staff tell you - they don't generally know very much. If you put your card in their little machine (which they should do with all cards), the machine will decide whether it wants your PIN or if you need to sign.

As of the start of next year, you may find some retailers turning you away if you don't know your PIN, so if you don't know it, it's a good idea to find out what it is. :thumbsup:

All the bigguns have got it. It's really cool actually, so much faster than the old system. Soon they'll be able to abolish cashiers altogether, and you can scan your own things, pop your card in the slot, put your pin in, then away you go. :thumbsup: :loopy:

Originally posted by slh73
My Lloyds TSB card has. Used it in Tesco the other day.
Mine too!!

Originally posted by Sidla
All the bigguns have got it. It's really cool actually, so much faster than the old system. Soon they'll be able to abolish cashiers altogether, and you can scan your own things, pop your card in the slot, put your pin in, then away you go. :thumbsup: :loopy:

They've just revamped the Tesco's at Woodseats and have some self service tills where you scan your own things then put your card in, a nasty little electronic voice talks you through the procedure. One slight problem it isn't very popular, people queue up at the tills with a human being on hand and if the staff ask you if you'd like to use the automated till the answer on a few occasions has been 'no thanks'
The machine doesn't wish you a 'good day' either.

I love it - for me, it's so much easier. Especially since I got married and changed my name, I had to really stop and think before I signed anything!

Now it's much faster and easier, and in the restaurant we went to last night, they even brought the reader to our table. I punched in the PIN, it spat the receipt out and we were on our way.

Are they bringing in the same system for credit cards too?
When I got a new credit card issued not long ago it has a chip on it, but I haven't been given a pin number for that card. To be honest I'd rather not have a pin number for my credit card as that might encourage me to use it in cash machines, as well as the hassle of having two pin numbers.
Do you still have the option to sign? I don't want to use my credit card and then be told to use a pin number when I haven't got one.

Slightly different issue - has anyone else noticed how incredibly easy it is to see people's numbers that they put into chip and pin machines?

People are casual enough at cash machines with stopping people looking, but it seems to be almost impossible with chip and pin machines to stop people seeing.

Originally posted by Becky
Are they bringing in the same system for credit cards too?
When I got a new credit card issued not long ago it has a chip on it, but I haven't been given a pin number for that card. To be honest I'd rather not have a pin number for my credit card as that might encourage me to use it in cash machines, as well as the hassle of having two pin numbers.
Do you still have the option to sign? I don't want to use my credit card and then be told to use a pin number when I haven't got one.

The short answer is Yes.

If you have a card (credit or debit) with chip and pin enabled the shop will (technically) be able to offer you signing, BUT, they will not be protected should anything go wrong, so they are very unlikely to allow you to.

Originally posted by Sidla
All the bigguns have got it. It's really cool actually, so much faster than the old system. Soon they'll be able to abolish cashiers altogether, and you can scan your own things, pop your card in the slot, put your pin in, then away you go. :thumbsup: :loopy:

what system is in place to stop less scrupulous people missing out the odd item from the scan?
Self service payment sounds like a recipe for mass shoplifting.

Originally posted by Yodameister
Slightly different issue - has anyone else noticed how incredibly easy it is to see people's numbers that they put into chip and pin machines?

People are casual enough at cash machines with stopping people looking, but it seems to be almost impossible with chip and pin machines to stop people seeing.

This is one thing that really bothers me using chip & pin...

It worries me that people around me are on the look out... Just the other day whilst i was entering my pin i thought to myself... How long will it be before there's a scam of people cheating us out of our money...

How safe is this new system... nothing seems full proof these days :?

But thinking about it whats to stop us from changing our number say like every 2 weeks or once a month...

Now thats an idea... :bigsmile:

ps Natwest have it... :)

Originally posted by Cyclone
what system is in place to stop less scrupulous people missing out the odd item from the scan?
Self service payment sounds like a recipe for mass shoplifting.

This goes with the developing technology to put minute chips in absolutely every piece of merchandise, designed to remain there in perpetuity.

You scan it, the chip is deactivated (to the extent of it not saying "help, I'm being stolen!") and Bob's your uncle. If you don't scan and pay for it, security guard is alerted and grabs you.

Originally posted by bonny
Wierd.

You should have had a new card sent that is now a VISA DEBIT rather than the SWITCH. This card is chip and pin enabled

Yes, I have noticed most banks/building socities are going down the Visa route.

You have the Visa route: Visa Delta Electron
And the Mastercard equiv.: Mastercard, Maestro, Solo

Now, only HSBC and Natwest have the Mastercard route.
I wonder if we'll see HSBC and Natwest change to Visa/Delta/Electron and scrap Mastercard/Maestro (Switch)/Solo.

Alex

On a second note, the old signing method will be scrapped as from January 2005. Source: my conversation with Lloyds-TSB.

Thirdly, Halifax have had it since the beginning, as when I was with them Aug 2003-March 2004, I had it (well, on the second card - the first one the black strip got scratched).

HSBC - March 2004-Dec 2004 - I have always had it since day one with them.
Lloyds-TSB - Dec 2004 - I don't envisage changing. - Had it since I started with them.


Alex

Originally posted by amhudson119
On a second note, the old signing method will be scrapped as from January 2005. Source: my conversation with Lloyds-TSB.

Alex

As I said before, I understood that a retailer could carry on offering the option of signing, but they probably would not want to as they would not be insured against any fraud (previously the risk lay with the bank, it has been shifted onto the retailer) so no retailer in their right mind would actually allow you to sign on a chip and pin enabled card.

Thats only based on what some money expert said on BBC radio last week.

Originally posted by Angel05

But thinking about it whats to stop us from changing our number say like every 2 weeks or once a month...


Hmmm... I change all of my passwords/passnumbers for everything every month.

E-Mail, PINs, MSN - everything, around the end of every month.

Alex

there might be a risk of your pin being overseen, but it's less of a risk than your signature being copied.

The first requires them to see your pin and steal your card. The 2nd only requires them to steal or find your card and look on the back.

re: rsid, they aren't using it though are they at the moment, it relies on you scanning everything.

And if they do start using it they will be even more complacent, so all you need is an rsid fryer (from maplins) and you can walk out with your grocery shopping for free.

Originally posted by Cyclone

re: rsid, they aren't using it though are they at the moment, it relies on you scanning everything.

And if they do start using it they will be even more complacent, so all you need is an rsid fryer (from maplins) and you can walk out with your grocery shopping for free.

Agreed, I was talking about the potentials with further development.

It just struck me that the two techonlogies could potentially be put together at some point in the future, and maybe this is one application that whoever came up with the idea had in mind.