A PIN, or Personal Identification Number, is a secret number used by OCBC Cardmembers to prove they are the genuine owners of their payment cards. PINs for Malaysian cards have six digits. Your PIN must always be kept secret and never written down.

Step 1: Log in to your Internet Banking account.

Step 2: Go to the "Customer Service" tab and under Cards, click "Set PIN".

Step 3: Select your card from the drop down list and click "Next".

Step 4: Key in your new 6-digit PIN, confirm your new 6-digit PIN and click "Next".

Step 5: Launch the OCBC Malaysia Mobile Banking app to get the One Time Password (OTP), then enter the 6-digit OTP code and click "Submit".

Step 6: You have successfully created your PIN.

Step 7: You will receive a SMS notification of your successful PIN creation.

Step 1: Launch the OCBC Malaysia Mobile Banking app and log in to your account.

Step 2: Tap on the menu and select "Card Services".

Step 3: Tap the "Set PIN" button.

Step 4: Key in your new 6-digit PIN, confirm your new 6-digit PIN and click "Next".

Step 5: Key in the 6-digit OTP by revealing One Time Password (OTP) on screen.

Step 6: You have successfully created your PIN.

Step 7: You will receive a SMS notification of your successful PIN creation.

Step 1: Inform the Bank Officer you would like to choose a new PIN for your OCBC Credit or Debit Cards.

Step 2: Enter your new 6-digit PIN code in the PIN Pad.

1. Is the PIN I use for making purchases the same as the PIN used at ATMs?

Yes. Each OCBC Credit or Debit Card will have only one PIN that can be used for both cash withdrawals at ATMs and purchases at point-of-sale.

2. What happens if I enter the wrong PIN at an OCBC ATM?

You will be allowed three attempts before your card is retained. You will have to contact us to get a replacement card if your card is being retained. This aims to protect you against the possibility of an unauthorised person using your card.

1. What happens if I enter the wrong PIN while completing a retail transaction?

From 1 July 2017, you MUST key in your correct PIN to complete the transaction. Please note that your card will be temporarily blocked after 3 consecutive wrong PIN entries.

If your credit card is blocked, please call +603 8317 5000 for help.

If your debit card is blocked, please walk in to any OCBC branch for help.

2. What happens if i forgot my PIN?

If you forget your PIN, please log in to OCBC Internet Banking or OCBC Malaysia Mobile Banking app to set a fresh PIN after a short verification process.

3. Why do I still need to sign the new PIN & PAY card?

This is for verification purposes when you travel to a country without any PIN & PAY terminals.

1. Will I have to enter a PIN when I use my card overseas?

Not all overseas point-of-sale terminals use PINs for payments. If an overseas terminal does not support PIN, then you will need to sign to authorise the payment.

2. What happens if I forget my PIN at point of sale?

If you forget your PIN, please log in to OCBC Internet Banking or OCBC Malaysia Mobile Banking app to set a fresh PIN after a short verification process. Alternatively, please opt for another form of payment, such as cash or another bank's credit card.

3. What happens if POS terminal is unable to accept transactions using a 6-digit PIN?

You may opt for another form of payment, such as cash.

How do I keep my PIN safe?

It is very important that you keep your PIN secret so that you stay protected.

Avoid using PINs derived from significant personal dates (e.g. your birthday or anniversary), telephone number, or driver's license number.

To keep your PIN safe:

• Do not keep a written record of your PIN;
• Do not allow another person to see you keying in your PIN during a payment;
• Do not keep your PIN in a form that can be readily identified as a PIN;
• Do not disclose your PIN to any other person (including persons in apparent authority, family members or spouse);
• Be careful not to expose your PIN at all times;
• Contact us at +603 8317 5000 if you become aware that your PIN has become known to someone else; and
• Ensure your supplementary cardholders (if any) keep their PINs secure.

1. What happens when I use my credit or debit card at a self-service pump?

When you use your card at a self-service pump (automated fuel dispenser) at a petrol station, the self-service pump will authorise the fuel transaction before you can start pumping fuel into your vehicle. This is performed by sending a pre-authorisation amount on the payment card to your card issuer.

2. What is a pre-authorisation amount?

A pre-authorisation amount is a temporary hold of a specific amount from the available balance on the payment card. It is used to verify that the card is active and has sufficient available funds prior to dispensing fuel.

3. What amount will be pre-authorised on my card when using a self-service pump?

Because the pre-authorisation must happen before the fuel is pumped, the actual amount of fuel pumped is not yet known at the time of the pre-authorisation. The pre-authorisation amount at self-service pumps in Malaysia is set at RM200.

4. What if the amount of fuel pumped is less than the pre-authorisation amount?

The pre-authorisation amount is not a charge and no funds are debited from the card account; the available balance on the card is only temporarily reduced through the pre-authorisation. Once you have completed pumping the fuel, the actual amount for the fuel dispensed will be sent to your issuing bank. At this point the actual amount will be debited from the card account, and the pre-authorisation amount is cleared. This may take up to 3 business days after the fuel is dispensed and the pre-authorisation generated.

For more information about PIN & PAY, visit the link below:

PIN & PAY Video