Chip and PIN is a more secure way to pay with your debit and credit card. Instead of signing you now enter a secret four-digit PIN.
Chip and PIN has enabled more people with disabilities to use plastic cards than before. Research showed that the majority of disabled cardholders have welcomed chip and PIN and find it easy to use. The NOP* research found that 82 per cent of disabled cardholders like using chip and PIN and 70 per cent prefer it to signing.
However, if you have a disability that prevents you using a PIN alternatives are available. If you haven't done so already speak to your card company now to discuss your options. Most likely this will involve being issued with a chip and signature card that ensures that you will only ever be required to provide a signature. You will not be required to provide medical evidence to support your request.
You will be able to sign in the following situations:
Since Valentine's Day 2006 anyone with a chip and PIN card needs to know their PIN to be sure they can pay. If you need an alternative to PIN, make sure you speak to your card company. Tell them you cannot use PIN because of a disability.
If you don't know the PIN on your chip and PIN card you should not expect to be able to sign. You may need to provide an alternative method of payment instead. If you don't know your PIN or you are not sure if your card is a chip and PIN card contact your card company now - they will send you a reminder.
Since 14 February cardholders must use their PIN to be sure of being able to pay with their chip and PIN cards. This does not affect anyone whose card has yet to be upgraded, or customers who have been issued with a chip and signature card. They will always continue to sign.
However, disabled chip and PIN cardholders who are unable to leave their car on a petrol forecourt will continue to be able to sign at some petrol retailers who have special procedures in place.
You can check with any petrol station to confirm their individual arrangements.
If you would like further information about the types of card that are available to you because you are unable to use PIN, you should contact your bank directly who will be able to provide you with an alternative.
You can find your bank or card company’s number on the back of your card or on your recent statement.