PIN & PAY | BSN Malaysia (2024)

Activate your BSN Cards and set your 6-Digit PIN now
Activate your BSN Cards and set your 6-Digit PIN now

NOTICE

From 1 July 2017 onwards, all credit and debit card payments at Point-Of-Sale (POS) terminals in Malaysia will be approved using a 6-digit PIN. You are required to activate your card and set your PIN immediately before usage.

BSN CREDIT CARD

Simply follow the steps in your Card Mailer or refer to the instructions below to get started.

HOW TO CREATE YOUR 6-DIGIT PIN (Applicable to new Cardmembers creating PIN for the first time or to change PIN)
SMS	BSN Branch
You are required to use your registered mobile number with the Bank: Step 1: TypeBSNPIN<space>IC No<space>Last 4-digits of your Credit Card No.and send to 66300. Example: BSNPIN 800703077777 3456 Step 2: Receive your Temporary PIN via SMS Step 3: Change your Temporary PIN to your Permanent PIN at any BSN ATMwithin 24 hours* Select Language > Enter Temporary PIN > Select "PIN Change" > Enter Permanent PIN > Confirm Permanent PIN *Temporary PIN is valid for 24 hours only. If expired, kindly repeat the above steps. IMPORTANT: Your credit card will be automatically activated once your PIN has been successfully created.	Please bring along your NRIC and new BSN Credit Card for verification purpose.
HOW TO ACTIVATE YOUR CARD (Applicable to existing Cardmembers with a PIN)
SMS: TypeBSNACT<space>NRIC<space>Last 4-digits of your Credit Card No. Example:BSNACT 790416123456 1234 Send to66300
Contact Us: Platinum Careline:1800-22-0800 BSN Contact Centre:1300-88-1900

BSN DEBIT CARD

You are advised to replace your old Debit Card immediately with the new PIN & PAY debit card at any BSN branch to avoid any disruption to the usage of your Card. Card replacement fee is WAIVED for the first time. Your new Debit Card is PIN enabled, comes with a contactless feature and carries the MyDebit logo.

Please bring along your existing Debit Card and NRIC / Authority Card (for Army or Police personnel)/ Passport (for non-citizens). Your new card will be issued instantly. You are required to activate your card and set PIN immediately before usage.

HOW TO CREATE YOUR 6-DIGIT PIN

SMS

BSN Branch

You are required to use your registered mobile number with the Bank:

Step 1: Type BSNPIN<space>IC No<space>Last 4-digits of your Debit Card No. and send to 66300.

Example: BSNPIN 800703077777 3456

Step 2: Receive your Temporary PIN via SMS.

Step 3: Change your Temporary PIN to your Permanent PIN at any BSN ATM within 24 hours*.

Select Language > Enter Temporary PIN > Select “PIN Change” > Enter Permanent PIN > Confirm Permanent PIN.

*Important note: Temporary PIN is valid for 24 hours only. If you fail to change the Temporary PIN to a permanent PIN within the validity period, kindly repeat the above steps.

You are able to select your preferred PIN using the PIN Pad device at our branches.

The preferred PIN selected will be your permanent PIN.

OTHER INFORMATION

Using your PIN enabled card at Petrol Stations

You will need to enter your 6-digit PIN when making payment using your card to pump petrol at outdoor self-service kiosk or terminals. If you do not know your PIN, you will not be able to use your card.

Note: A pre-authorisation amount of RM200 will be debited from your account when you pay for your petrol at self-service pumps. The amount will then be reversed and the actual amount will be charged once the bank receives the actual settlement within 3 days. You are advised to pay at the cashier indoor to avoid the pre-authorisation holding.

Card Usage Overseas

Please ensure you have a PIN for your card before leaving Malaysia. For countries that have not yet migrated to PIN, you may still sign for verification to use your card for payment. Although the standard for payment card PINs in Malaysia is 6 digits, the standard in some overseas markets is a 4 digit PIN. When travelling overseas, you may encounter a problem using if the terminal restricts PIN entry to 4 digits. In this situation, you have two choices:

Firstly, request the retailer to bypass the PIN entry and complete they payment by signature.
If this is not possible, or the retailer refuses to allow signature, then you must opt for a different payment method.

NOTES:

For new Cardmembers, your credit card will be automatically activated once your PIN has been successfully created.
For existing Cardmembers who have already created a PIN, you just need to activate your Card.
For Supplementary Cardmember, please request the Principal Cardmember to preset the PIN on your behalf using the same method as above.
Please have your PIN ready before travelling overseas.
No PIN is required for contactless transactions less than RM250.
Check out our latest campaigns, offers and deals here.
Read our BSN Credit Card PIN & PAY FAQhere.
Read our BSN Debit Card PIN & PAY FAQhere.

FAQs

How to fix PIN tries exceeded? ›

You can always reset your PIN attempts and unblock your PIN in App, going to the PIN Settings and clicking on Unblock PIN, then attempt the payment making a chip and PIN transaction.

Read On ›

What happens after 3 incorrect PIN attempts? ›

After typing 3 wrong pins (it doesn't have to be on the same day) the chip of your card will be blocked. To unblock your chip, you can go to an ATM from a major bank. You should be able to see a new 'PIN Unlock' option or you can otherwise view your remaining amount. A third option would be to withdraw cash.

Get More Info ›

Why is ATM rejecting my card? ›

There are a number of issues that could result in a debit card decline. For starters, you could be mistaken about your balance, or you may have reached your daily limit for withdrawals. The bank may feel the transaction is suspicious, based on your purchase history. Technical issues may also be to blame.

Learn More Now ›

How many digits is an ATM PIN in Malaysia? ›

In line with Bank Negara Malaysia's effort to ensure the protection of cardholders against unauthorized transactions, all card payments at point- of-sale terminals in Malaysia must be authorized with a 6-digit Personal Identification Number (PIN) with effect from 1st July 2017.

Read The Full Story ›

How long does PIN exceeded last? ›

If your card is blocked after three attempts at ATM, then some banks do block it for temporary basis. This temporary block can be for maximum 24 hours.

Find Out More ›

What happens if you run out of PIN attempts? ›

If you get your PIN wrong twice nothing will happen, but if you enter it wrong three times in a row it will be locked.

Show Me More ›

What happens if your PIN is locked? ›

If your PIN is locked, contactless will only work for a certain number of transactions. To get it working again, you'll need to unlock your PIN and then make a payment using your card with the PIN.

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How many hours to unblock an ATM card? ›

When you enter the wrong ATM PIN thrice, ATM card is blocked for 24 hours to avoid misuse. However, after 24 hours it will unlock on its own.

Why is my card declining but I have money? ›

Why might my debit card be denied even if I have money in the account? It indicates an expandable section or menu, or sometimes previous / next navigation options. Your debit card may be denied due to overdrafting, reaching daily purchase limits, or your bank suspecting fraud.

Why is my debit card being declined for international transactions? ›

The card company may decline the transaction as a precaution. This generally happens when a series of domestic transactions are followed by an international transaction. It is one of the many risk rules that are in place to ensure a safe banking experience.

Get More Info ›

How do I Unrestrict my debit card? ›

You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card. To verify your identity as the card's user, you must submit ID and address proof. Once these details are verified, the bank will unblock your card.

Learn More ›

What is the ATM limit in Malaysia? ›

Malaysian ATMs have both per transaction and daily withdrawal limits. These vary from bank to bank, but are usually in the region of RM1500 per transaction and RM3000 per day. The per transaction limit may be lower after midnight, for security reasons. The majority of ATMs only dispense RM10 and RM50 notes.

Keep Reading ›

Are transaction PIN and ATM PIN the same? ›

The transaction PIN is a four-digit number of your choice used for online transfers and payments only. It is not linked to your debit card PIN or any other PIN you have at First Citizens. If you have forgotten your transaction PIN, you can reset it from your personal online banking.

Know More ›

What does it mean when it says PIN attempts exceeded? ›

What does 'PIN tries exceeded' mean? The means that the customer has tried to complete the transaction with an incorrect PIN beyond the number of trials set by the processor (usually 3 to 4 times).

Learn More Now ›

How do I unblock my debit card after entering the wrong PIN 3 times Security bank? ›

For your security, if an incorrect GreenPIN/OTP is entered more than 3 times, your ATM/Debit card will be blocked for the day. However, this will automatically reset the following day and you can access your ATM/Debit card again when you enter the correct Green PIN/OTP.

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How do I unblock my ATM card? ›

You can directly approach your bank or its branch and submit a written application, requesting an automatic unblock of the ATM card. To verify your identity as the card's user, you must submit ID and address proof. Once these details are verified, the bank will unblock your card.

Discover More Details ›

How do I unblock my debit card after entering the wrong PIN 3 times Bank of Scotland? ›

Yes, if you get your PIN wrong three times the card reader will show 'PIN Locked' and you won't be able to use your card. You can unlock your card at any Bank of Scotland, Lloyds Bank or Halifax cash machine in the UK, or you will need to call us on 0345 300 0268. to order a new PIN.