Protect your card

A chip card has an embedded security microchip. A credit, prepaid or debit card with a security chip is more secure than one with just the magnetic stripe on the back of the card, as the security chip makes it more difficult to fraudulently copy the credit card details.

From January 2010 you will begin to see new and replacement ANZ credit cards with chips on them. We will be progressively adding chips to each of our card products throughout the year.

If you do not already have a PIN you will need to assign one to your new chip card.

This is to ensure that it can be used in EFTPOS terminals and ATMs that require PIN use and that your card is as secure as possible.

• More secure - a card with a security chip is more secure than one with just the magnetic stripe on the back of the card, as it makes it harder for fraudsters to copy credit card details.
• More readily accepted overseas - chip technology is fast becoming the global standard for card security. In Europe and Asia, it is already being widely used and has proven to be effective in preventing fraud.

Chip cards can be used in all the places you use non-chip cards (such as ATMs), however at most EFTPOS terminals you should:

• 'dip' your card into the terminal, instead of swiping it (see below)
• leave your card in the terminal for the whole transaction
• remove your card once the transaction is complete.

Occasionally, when using an older EFTPOS terminal, you will need to use your chip card in same way as your previous card:

• swipe your card through the EFTPOS terminal (see below)
• enter your Personal Identification Number (PIN) or sign the receipt to authorise the transaction.

A chip card is more secure than a card with just a magnetic stripe on the back, because it is more difficult for someone to fraudulently copy your card.

Chip cards can store encrypted confidential information. Each transaction generates a unique ID which significantly helps to protect the card against counterfeit fraud. It does not use any additional personal data.

If you do not already have a PIN you will need to assign one to your new chip card. This is to ensure your card can be used in EFTPOS terminals and ATMs that require PIN use and that your card is as secure as possible.

It's easy to put a PIN on your card, just pop into any ANZ branch.

The table below outlines when a PIN must be used:

Type of transaction	PIN required?
New Zealand and overseas ATM use	Yes
New Zealand EFTPOS	Yes, in most cases.
Overseas EFTPOS	Signature may still be used in most overseas countries.
Online, phone, mail order	No

In certain circumstances you will have the option to sign to authorise purchases however some EFTPOS terminals will require PIN to be used.

If you do not already have a PIN you will need to assign one to your new chip card. This is to ensure your card can be used in EFTPOS terminals and ATMs that require PIN use and that your card is as secure as possible.

PIN transactions offer greater security as the only person who should know your PIN is you. We recommend you complete transactions using PIN, wherever this is accepted by merchants. It's easy to put a PIN on your card, just pop into any ANZ branch.

The table below outlines when a PIN must be used:

Type of transaction	PIN required?
New Zealand and overseas ATM use	Yes
New Zealand EFTPOS	Yes, in most cases.
Overseas EFTPOS	Signature may still be used in most overseas countries.
Online, phone, mail order	No

Chip is fast becoming the global standard for card security. Chip cards are now the dominant card type for transactions throughout Europe and increasingly in Asia. Many countries are in the process of changing over to chip card technology.

Many countries have recently migrated to chip and PIN technology. If you do not already use a PIN we strongly recommend putting one on your new chip card. In some countries merchants may be reluctant to accept credit cards without a chip and many will expect a PIN to be used. To select a PIN, visit any New Zealand ANZ branch.

Please note that merchants in certain overseas countries, such as the United States, may not be able to process transactions using chip and PIN and will therefore ask you to sign as usual to complete your purchase.

Chip transactions are performed to the highest level of security that both the chip card and merchant EFTPOS terminal support. In some instances you will be prompted by the terminal to sign. This is normal and does not indicate any problem.

No, the chip doesn't contain any additional personal information. The chip holds the same personal data as that on the magnetic stripe (eg. cardholder name, card number and expiry date), and the chip also provides additional security features to safeguard against counterfeiting.

Yes, you can use your chip card in ATMs as you have always done.

If you experience any issues using your chip card please call us on 0800 ANZ 2 YOU (0800 269 296) or visit any ANZ branch. You can also call +64 9 522 3010 from overseas.

• Sign the strip on the back of your card straight away.
• Don't let anyone else use your card.
• Protect your card from loss or theft.
• When you card expires, cut it in half through the magnetic strip.

• Don't let anyone else know your PIN – not even family, friends, bank staff or others in apparent authority.
• Don't let anyone else see your PIN when you enter it at an ATM, EFTPOS machine or other electronic terminal.
• Don't write or in any way indicate your PIN on your card, even if you try to disguise it.
• Memorise your PIN. Don't write it down anywhere.
• Choose a PIN that won't be easily identified. Don't use your birth date or phone number or PIN that has an easy combination, such as 1111 or 1234.
• Don't use a PIN that you use for other purposes (e.g. your mobile phone PIN).

If your card is lost or has been stolen or your PIN has been given to or used by someone else, let us know straight away. If you don't do this within a reasonable time, you may be responsible for any losses that happen as a result of your delay.

If your ANZ credit card is demagnetised, scratched or bent, it probably won't work.

To protect it:

• keep it away from magnetised objects such as your work access card or other credit cards
• store it where it won't rub against or scratch another object - a separate compartment in your wallet is usually fine
• don't bend it.

If your credit card stops working, please phone us on 0800 658 044 to order a replacement. A fee may apply.

Look for reputable Internet merchants or stores. If you're not sure about a site ask them for information about their company, products and services and about their returns and refund policy.

Make sure the websites of merchants you deal with are encrypted (you'll see a padlock at the bottom of your screen - this must be locked). This helps to ensure that the information you send over the Internet won't be intercepted.

Always read your credit card statements carefully and check for any suspicious transactions.

If you find any transactions that aren't yours, call us. If you do this within 14 days of the date on your statement and transaction is found to not be yours, you usually won't be responsible for the payment.

Remember, the name of the store on the statement may be different from the name under which the store trades (e.g. John Smith & Sons trading as Acme Trading).

Whenever you make an online purchase, print out a copy for your records. This will make it easier to check your purchases against your credit card statement.

When you're required to use a password to access a service, make sure it's not obvious (e.g. don't use your phone number, date of birth or children's names) and remember not to give your password to anyone.