PIN FAQs

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.

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 one in 10,000 chance of somebody correctly guessing your PIN.

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

Some overseas retailers only accept PIN authorisation – some overseas retailers only accept PIN to authorise credit and debit card transactions. So ensure you know your PIN if you are travelling overseas. Australia is also moving towards replacing signature with PIN for all purchases at point of sale.

Contactless technology is a fast way to pay, with no PIN or signature required for purchases under $100. For enabled cards to make a contactless payment, simply hold your contactless card against the terminal wherever you see this contactless symbol.

To use this technology you’ll need a card with the MasterCard® PayPass™ or Visa payWave feature. If your card has contactless technology, it’ll have one of these logos on your card. For transactions of $100 or greater you’ll be asked your PIN or sign, but we recommend that you use your PIN.

We issue 4 digit PIN numbers on our cards. You can choose to have a PIN number with more than 4 digits; however some countries and industries only accept 4 digit PIN numbers. If you have a longer PIN, some of your transactions may not be successful.

If you currently haven’t got a PIN for your credit or debit card, or you can’t remember one that was issued to you, you can request a PIN by calling us or by visiting a branch.

Personal credit or debit card customers

• Call us on 13 33 30 (Mon to Sat 8am-8pm)
• Call us on +61 2 9553 5333 (from outside Australia, 24 hours, 7 days/week)
• Visit your local St.George branch with photo identification

Business credit or debit card customers

• Call us on 13 38 00 (Mon to Fri 8am-6pm)
• Call us on +61 2 9845 4900 (from outside Australia, 24 hours, 7 days/week)
• Visit your local St.George branch with photo identification

Call us on the respective number above and we’ll be able to issue with a new PIN. This will be mailed out to you, your PIN will arrive in 5-7 working days.

You can change your PIN at any time using a St.George ATM^{^} or by visiting your local St.George branch with your card and identification. Please note to change your PIN at a St.George ATM you will be required to know your current PIN.

Yes, you can change your PIN at any St.George ATM anytime. Please note to change your PIN at a St.George ATM you will be required to know your current PIN.

In order to protect the security of your account and personal information we’re unable to provide you with a PIN via email or online. You’ll need to request it by phone or at your local branch for it to be mailed out to you.

If you choose to have your PIN mailed out to you, this will take 5-7 working days.

Each cardholder on an account will have their own PIN number, which they will receive at the time of activation.

When you receive your new card(s), follow the instructions of to activate your new card(s). Once you have activated your new card(s) your current PIN will be valid on your new cards, you should also cut up and dispose of your old card(s) securely.

Much like choosing a computer password, you should keep your PIN a secret. You should avoid using a PIN that contains repeating characters (like 9999) or digits in sequence (like 1234), or numbers that represent publically researchable information, such as your birthday, year of birth, or address.

Yes. Each new credit and debit card will have one PIN that can be used for cash withdrawals at ATMs, and purchases at point of sale.

Please note that withdrawal cash functionality is not available on all credit cards. Please contact us if you would like to confirm if your card has this feature.

No. PIN is only applicable when you are physically present at the point-of-sale during the purchase or cash-out transaction. You should never share your PIN with anyone if purchasing goods online or over the phone.

Yes, if you’ve been issued a commercial card from your employer, or for a business you own, your cards will have a PIN attributed to each card. If you don’t have a PIN already, you’ll need a PIN for these types of cards.

The ability to withdraw cash is specific to each card. It is best for you to contact your employer directly, as the ability to withdraw cash may also depend on the policy of your employer. For further information or help, please contact us on 133 8 00 (Mon to Fri 8am-6pm).

No, your online banking account details are completely separate from your credit/debit cards PIN. For more information on Internet Banking please visit our Getting started FAQs.

No, your telephone banking account details are completely separate from your credit/debit cards PIN. For more information please visit our Phone Banking page.

If you suspect someone other than yourself knows your PIN, you must immediately change your PIN, or call us immediately on 13 33 30 (Mon to Sat 8am-8pm) and we’ll be able to cancel your current PIN and issue you with a new PIN. This may take up to 5-7 working days to be received.