Does anyone have any info about Bank Cards & Credit Cards that dont have a chip on them, supposedly not usable in the UK as of next year, All the banks in England are changing their card readers.
Means most people with German credit cards need a new one.
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Chip and PIN bank cards in the UK
How changes will affect German card holders
you'll just have to put up with the assistant tutting, rolling eyes, tapping their fingers impatiently etc: because they have to find a pen and wait whilst you sign
That still does not say that in 2006 our cards will be accepted. It only says that in 2005 they are accepted, i heard that in 2006 all banks and cash machines are being changed so that only chip cards can be read... will look into it further and ask next week when i am in the UK..
here it is, the UK is getting prepared for it as i said. So we will at some time in the near future need a new card..
here it is, the UK is getting prepared for it as i said. So we will at some time in the near future need a new card..
QUOTE
Currently, if you have a chip and PIN card but don't know or have forgotten your PIN you are still allowed to use signature. This is because card companies have put arrangements in place whilst cardholders are getting used to a new system. These arrangements will remain the same throughout 2005 as shoppers become familiar with entering their four-digit PIN and the card issuers complete the rollout of chip and PIN cards. However, in the drive against fraud, there will come a time when you are in a shop with chip and PIN technology and you will have to use a PIN if you have a chip and PIN card. No date has yet been confirmed, but when it is we will give cardholders, retailers and other businesses plenty of notice to get ready
What annoys me in the UK is the know-it-better shop assistants who insist on sticking my GeldKarte chip on the Maestro card into the slot and then wondering why it does not work, despite the fact that I tell them beforehand that its not a pin chip, and Maestro is not a credit card. :doh:
But that still says you will need to use pin if you have a chip and pin card. Therefore I would assume you don't need to if your card is not chip and pin!
I have already been sent to a the bank to get cash as my credit card was not chip and pin - so didn't have a pin number so they wouldn't accept my card! Did get an apology from the store and they now allow signitures! I think it was a training issue!!
I have already been sent to a the bank to get cash as my credit card was not chip and pin - so didn't have a pin number so they wouldn't accept my card! Did get an apology from the store and they now allow signitures! I think it was a training issue!!
The whole thing is that the card readers in the UK will be changed ( as i heard) so they will only be able to read the chip & PIN cards and not the magnetic strip on the back of the card.
So you are telling me that the UK has made a uni-lateral decision to change all the card readers, etc. and that everyone from other countries can't pay with foreign credit cards?
Or is secretly everyone else going to change in the next few years to chip and pin too? (which seems much more likely)
It seems just a tad strange that visitors could get 'trapped' in Britain, because they cannot pay for anything - wth a perfectly good credit card!!!
Or are they just trying to keep travellers cheques alive and well or keep the post office money change counter - if you can find one?!
Or is secretly everyone else going to change in the next few years to chip and pin too? (which seems much more likely)
It seems just a tad strange that visitors could get 'trapped' in Britain, because they cannot pay for anything - wth a perfectly good credit card!!!
Or are they just trying to keep travellers cheques alive and well or keep the post office money change counter - if you can find one?!
not sure alien, its just something i heard and want to find out what is going on.
As i said i will check it out next week and will post my findings on the board.
my card has no chip but it will work next week It did the other month in London. just ask Veela
As i said i will check it out next week and will post my findings on the board.
my card has no chip but it will work next week It did the other month in London. just ask Veela
I'm sure you will find a Two tier system in place, similar to the way it used to be in the 80s. back then not every shop had a magnetic card reader, some shops/restaurants relied on the old klunk-klunk method of taking an imprint of your card.
You'll probably find that the magnetic strip will still be read, but will require an authorisation code over the phone (Check identity etc.).
there's no doubt that this will stop Credit Card fraud in it's tracks, the chip & pin system was decided upon a few years ago as the only way to tackle this epidemic.
I had my card cloned whilst in Hamburg and couldn't believe it when I seen that 6.000 euros had been taken out of my account, as far as the banks are concerned the "magnetic strip" and pin number are as safe as houses, however this has been proved wrong on so many occassions. Let's just hope the rest of Europe will follow suit and that the encryption on the cards chip is strong enough to withstand hacking attempts.
You'll probably find that the magnetic strip will still be read, but will require an authorisation code over the phone (Check identity etc.).
there's no doubt that this will stop Credit Card fraud in it's tracks, the chip & pin system was decided upon a few years ago as the only way to tackle this epidemic.
I had my card cloned whilst in Hamburg and couldn't believe it when I seen that 6.000 euros had been taken out of my account, as far as the banks are concerned the "magnetic strip" and pin number are as safe as houses, however this has been proved wrong on so many occassions. Let's just hope the rest of Europe will follow suit and that the encryption on the cards chip is strong enough to withstand hacking attempts.
Chip and Pin was released in Ireland last year, cards with and without chip are valid. Shops were given a time period to install the new machines. If they hadn't them installed within that period and someone used a fraudulent card then it was tough look for the shop!
Don't know the scenario for if they had it installed and someone ripped them off with a fraudulent non-chip card!
Don't know the scenario for if they had it installed and someone ripped them off with a fraudulent non-chip card!
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Chip and Pin was released in Ireland last year, cards with and without chip are valid.
This is the whole point of my question, I know non chip cards are still valid at this time but I have heard as of next year only chip cards are valis in the UK.
My card has no chip and i still have a PIN number to use with it, but as i said i have heard as of next year i cant use it in the UK.
There will be a backup system in place mate, there's no way that shops are going to go without your custom. The Mastercard/Amex/Visa logo means that they take these cards, if your card doesn't fit their reader then the transaction will be done manually.
as far as I am aware if you have a 'chip and pin' card you will not be able to make a purchase without knowing your pin number, whereas at the moment you can still sign - but if you do not have a 'chip and pin' card then the old system will still apply.
I don't think this is necessarily the case. The banks are phasing out the old cards and by the end of this year are planning on having reissued all debit and credit cards as 'chip and pin', which is why everyone is going on about next year not being able to sign - but this is only for 'chip and pin'.
QUOTE
I have heard as of next year only chip cards are valis in the UK.
I don't think this is necessarily the case. The banks are phasing out the old cards and by the end of this year are planning on having reissued all debit and credit cards as 'chip and pin', which is why everyone is going on about next year not being able to sign - but this is only for 'chip and pin'.
QUOTE
11. Foreign Cards and old Magnetic Stripe Cards
There will be instances where PIN will not be used by certain cardholders, for example for those UK and foreign cardholders yet to be issued with chip and PIN cards and some people with disabilities will always have a chip and signature card. The terminal will recognise the card and prompt the payment process that is to be followed.
There will be instances where PIN will not be used by certain cardholders, for example for those UK and foreign cardholders yet to be issued with chip and PIN cards and some people with disabilities will always have a chip and signature card. The terminal will recognise the card and prompt the payment process that is to be followed.
Taken from Staff Guide to Chip and PIN
QUOTE
Or is secretly everyone else going to change in the next few years to chip and pin too?
QUOTE
Are other countries planning to use chip cards with PIN?
Yes, chip and PIN is expected to become a global standard. The Chip and PIN Programme relates to card issuance and terminals in the UK, however the chip and PIN initiative is much wider spread. To ensure chip cards are recognised and accepted in all countries where card payments are made, countries around the world are building them to an international specification. The UK is at the forefront on an international roll out of chip technology. France has been using a domestic chip-based PIN system for several years and has committed to upgrading its systems to the global specification. Countries expected to implement this system over the next five years include Austria, Belgium, Denmark, Finland, Germany, Iceland, Ireland, Israel, Italy, Luxembourg, The Netherlands, Norway, Portugal, Spain, Sweden and Switzerland. In France, although French customers use PIN already, UK cardholders will continue to use signature for some time until the upgrade is complete.
Yes, chip and PIN is expected to become a global standard. The Chip and PIN Programme relates to card issuance and terminals in the UK, however the chip and PIN initiative is much wider spread. To ensure chip cards are recognised and accepted in all countries where card payments are made, countries around the world are building them to an international specification. The UK is at the forefront on an international roll out of chip technology. France has been using a domestic chip-based PIN system for several years and has committed to upgrading its systems to the global specification. Countries expected to implement this system over the next five years include Austria, Belgium, Denmark, Finland, Germany, Iceland, Ireland, Israel, Italy, Luxembourg, The Netherlands, Norway, Portugal, Spain, Sweden and Switzerland. In France, although French customers use PIN already, UK cardholders will continue to use signature for some time until the upgrade is complete.
Taken from here
Hi
I would not worry too much. Most terminals are able to differentiate between different cards, those with PIN and Chip facility, and those without.
Therefore there should be no problem with German Credit Cards without a chip. You will just be asked to sign. Any risk of fraud is then carried by the credit card issuer.
As regards the Eurocheque cards. There are more general problems with acceptance with this in the UK, and it depends often from shop to shop.
Cheers
Ben
I would not worry too much. Most terminals are able to differentiate between different cards, those with PIN and Chip facility, and those without.
Therefore there should be no problem with German Credit Cards without a chip. You will just be asked to sign. Any risk of fraud is then carried by the credit card issuer.
As regards the Eurocheque cards. There are more general problems with acceptance with this in the UK, and it depends often from shop to shop.
Cheers
Ben
I just hope the supermarkets will still accept my card because I use it exclusively in British supermarkets...
Perhaps BBulldog will be able to tell us more after his trip to Cornwall...
Perhaps BBulldog will be able to tell us more after his trip to Cornwall...
The German EC card is actually 2 systems in one, a lastschrift and a debit card. The former you sign for and takes a few days to come out of your account and can on occasion be refused by the bank (in which case the retailer will wait and take it out of your account latter) the latter being an actual debit card with pin code connected directly to your bank which means they can turn it down if you don't have enough money.
On occasion you have both. Toom Baumart first transaction by signing, second, several hours latter with pin.
Our first EC card was a lastschrift and not a pin, some places the card was declined so I finally complained to the bank and they issued me a new card
On occasion you have both. Toom Baumart first transaction by signing, second, several hours latter with pin.
Our first EC card was a lastschrift and not a pin, some places the card was declined so I finally complained to the bank and they issued me a new card
Just as long as they dont do a lastschrift and a debit transation both at the same time you should be alright...
I was beginning to wonder at times, cash was getting very low during renovations and a few times it was a squeaker to get it through.
Should note that most German receipts print the full CC number and Expiry date on the card, very convenient if you'd like to use someone else's card.
I alway take the receipt and strike out the number with a pen, should there be an unauthorized transaction, I'm responsible for the charges, opposite of UK US and Canada.
Should note that most German receipts print the full CC number and Expiry date on the card, very convenient if you'd like to use someone else's card.
I alway take the receipt and strike out the number with a pen, should there be an unauthorized transaction, I'm responsible for the charges, opposite of UK US and Canada.
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