Quick question about chip and pin

taximike

taximike

taximike

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Joined
25 Dec 2009
Posts
615
Hi - I've heard that with chip + pin if you enter your pin wrongly 3 times (even non-consecutive times) that your card is blocked.

So even 1 wrong, 10 right, 1 wrong, 10 right then the 3rd wrong blocks it?

Is that true? Finding it hard to find an answer on google as few articles feature the distinction between consecutive and non-consecutive!

Many thanks
 
Santander & Halifax/Bank of Scotland have this policy, however it's only with an ATM, chip and pin fails on a shop terminal don't reduce your pin attempts (with the bank at least), i think it's down to the payment network with non atm chip & pin attempts.
 
3 consecutive within a certain time frame. IIRC 15 minutes or so and it should reset, unless the bank then flags it up (i.e. 2 tries, wait 15 minutes, 2 tries, wait 15 minutes etc.)

- Pea0n
 
Had this happen once when using a Visa card of my Mum's, as she had asked me to pick her up a few things, and the card earns points at John Lewis or something.

She had given me the wrong pin for it though!
When you type in the wrong code the first time it warns you that you have two attempts left. On the second attempt it warns you that another failed attempt will result in the card being locked. I stopped at that point and paid for it with my own card.

However, she asked me to use the card again a few months later and it again said 'You have 1 attempt left".

Its clearly linked to the the individual chip in the card though, as she has more than one card for that account which she uses. She had used the account loads of times since, even though I had this other card which had done nothing.
 
It's three times in a row regardless of what shop and when etc
If you get it right then it's set back to 0, as it were. I work for natwest and spend my life helping old people unblock their pins :/
 
Remember even if you clock it, you can unblock at a cashpoint. Think that it has to be the one that your bank owns, and not any banks machine. Ive done it myself.
 
I have got my pin wrong countless number of times with Barclays as I always enter as fast as my fingers will allow. Still no problem using it.
 
Aye, it sounds like it's something to do with the chip on some cards (possibly early versions used by the bank?), as none of mine do it, and they reset the counter every time you get the pin right.

Which is probably just as well, as I'm quite clumsy when it comes to the C&P machines at times.
 
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