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HSBC Chip and PIN

The Worldwide Standard in Card Security

Important Notice to All Credit Card Customers
When you receive your new Chip & Pin credit card please note, the expiry date on your new card is different from your old card. If you have reoccurring bill payments currently set up, please contact the vendor and provide them with your updated card details, including the new expiration date. Failure to do so will result in your new card being blocked.

HSBC Credit Cards will be upgraded to Chip and PIN technology

  • Advanced technology – HSBC chip cards use encryption technology to verify your card at the time of purchase. This makes it harder for your card to be duplicated, and provides an additional layer of protection.
  • Added security – When used in combination with your Personal Identification Number (PIN) it will provide you with an additional level of protection when shopping.

What is a chip card?

  • What is the difference in the way we use chip cards vs. magnetic stripe cards? Magnetic stripe credit cards are swiped at a retailer when you make purchases and completed with your signature. A chip terminal requires that you insert your chip card into the terminal and enter your PIN to complete the transaction.
  • Where can I use my chip card? Anywhere in the world. Simply insert your chip card into a retailer's chip card terminal, follow the prompts and enter your PIN to complete the transaction. If a merchant does not have a chip card terminal, you will still be able to use the magnetic strip on the back of the card.

How do I get my Chip and PIN card?

All existing credit cards will be replaced with a Chip and PIN credit card starting June - October 2016. They will be mailed to your current address on file.

Please review your credit card statement to confirm the current address we have on record for your credit card. If your address needs to be updated you can use one of the following channels:

  • You can update your address using our Online Banking webpage. Please note this will update your address for ALL bank correspondence, including your credit card.
  • You can call our Contact Center at 441 299 5518 to update your credit card address.
  • You can come into any branch and complete an Address Change Form in order to update your address.

Important!

As soon as you receive your new Chip and PIN Credit Card:

  1. Sign the back of your new card.
  2. Activate your card and ensure you have a PIN for your card.
  3. Immediately destroy your old card by cutting it in half and disposing securely.

Activation

In order to activate your new credit card, please call our Card Activation Line at 441 297 0108 and follow the recorded instructions.

Important: You must call from your primary telephone number. This is usually your home or mobile telephone number.

You will be prompted to complete the following steps:

  1. Enter your 16 digit credit card number (located on the front of your card).
  2. Enter the CVV security code (the last 3 digits on the back of your card, located next to the signature panel).
  3. Enter the date of birth in MM/YY format of the PRIMARY card holder. For example, if the primary card holder was born in September, 1990 you would enter 0990 (09 for the month and 90 for the year).

Note: If you wish to create or change your PIN at this time, remain on the line and follow the prompts.

To create or change your PIN

If you do not have, or have forgotten your PIN, then call our Card Activation Line at 441 297 0108 and follow the recorded instructions to create a PIN for your card.

You will be prompted to complete the following steps:

  1. Enter your 16 digit credit card number (located on the front of your card).
  2. Enter the CVV security code (the last 3 digits on the back of your card, located next to the signature panel).
  3. Enter the date of birth in MM/YY format of the PRIMARY card holder. For example if the primary card holder was born in September, 1990 you would enter 0990 (09 for the month and 90 for the year).

Note: If there are two cardholders on this account, using the key pad please enter the digits that correspond to the letters of the full first name as it appears on the card for the specific cardholder’s PIN you would like to change or create. If the two cardholders share the same first name you will not be able to complete this process. You will be required to call 441 299 5518 to request a PIN mailer to be sent to your address on file.

  1. Enter your new 4 digit PIN. You must re-enter your selected 4 digits to confirm your new PIN.

Note: Please note you will be unable to create a PIN with repeating or consecutive numbers (for example, you cannot use 1111 or 1234).

What if I am unable to activate my credit card or unable to create my PIN?

If you experience difficulty using the Card Activation Line you can call our Contact Center at 441 299 5518 and they will be able to help with activating your card and they can have a PIN mailer to be sent to your address on file.

How do I use my Chip and PIN card?

While you will still be able to swipe with your card, many businesses will be transitioning to chip enabled card terminals to allow for more secure transactions. In order to use your HSBC Bermuda Chip and PIN card you should follow these steps:

At a non-chip terminal:

You will use your chip card in the same manner, as your previous magnetic stripe card.

  1. Swipe your chip card. No PIN will be required.
  2. Sign for your transaction once authorised.

At a chip terminal:

  1. Insert your chip card.
  2. Enter your PIN.
  3. Remove your card when the transaction is complete.

Any other questions?

If you have additional questions please reference our FAQs:

Frequently Asked Questions

Issued by HSBC Bank Bermuda Limited, of 6 Front Street, Hamilton Bermuda, which is licensed to conduct Banking Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking of investment activity or any offer to buy or sell any securities or other instruments outside Bermuda.