From June 6 there will be a new requirement to change the PIN you use to access your Mobile Device when you add a card to a Digital Wallet for Apple Pay, Google Wallet, Samsung Pay and Google Wallet (Fitbit device)
Not sure how ANZ will know if you have or not but a question they will probably ask if there’s been an unauthorised transaction.
Will be inconvenient for those that struggle with memorising PIN numbers but that’s the price of security I guess.
And with a sharpie on the device?
I use the Dremel….
Thanks for the tip. I still reckon it counts.
PIN you use to access your Mobile Device
I don't even use a pin, I swipe.
The new ANZ Digital Wallet T&C's for Apple Pay say:
You must ensure that:
- only your Biometric Identifier is registered on the Apple Device, and
- you reset the PIN for your Apple Device when you add a Card to Apple Pay and ensure that PIN is kept secret - don’t tell anyone your PIN, don’t store your PIN on or with your Apple Device, or keep a written record unless you can reasonably protect it and don’t otherwise act with extreme carelessness in protecting the security of your PIN. The PIN must not be your birth date or be a recognisable part of your name or include sequential or repetitive numbers.
If you don't do these things, and someone else accesses Apple Pay and makes transactions using your Card, you may be liable for these transactions under these T&Cs or the Account Terms.
So it seems like ANZ are making it easier to blame cardholders for fraudulent transactions, regardless if they're at fault or not. If you're a victim, they can ask "Did you change your phone passcode when you added your ANZ card to Apple Pay, as per our T&C's?" and if you say 'no', you could be liable.
Pretty bloody scummy, and stupid too because it's not verifiable by them. iPhones don't report when the passcode was last changed, so if they ask you can just say 'yes' and they'll have to take your word for it.
Even more silly the way this is written could imply ANY card being added- eg that could be Westpac, Citi etc
Not me. I just write the PIN on the card* to avoid this. Too easy.
*LPT: use permanent marker for longer lasting results.