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PIN length

I've come across many warnings about making sure your PIN is only four digits and doesn't have letters, and I was wondering how common it is to have a longer PIN or a PIN that has letters in it. I have had ATM and credit cards from various institutions, and without fail, all PINs were four numbers and there were no letters. What is everyone else's experience? Is it a regional thing? National? International?

Posted by
23548 posts

It is not so much that the pin number has letter in - it really doesn't. The pin pads in the US have letters and number similar to the telephone pad. Some people use letters that are actually a substitute for the numbers because it is easier to remember Carl than 2275. Since you do not have letters on the European pin pads you need the know the numbers of your PIN instead of letter IF that is what you have been using. PINs in the US do not come with letters but some pin are now five digits long. And you may run across the "advice" that the PIN should not start with a zero. That was true about 30 years in the very beginning when the zero served a different function for ATMs. That was corrected about 29 years ago and a zero is fine in the first digit position.

Posted by
12313 posts

I think Frank's explanation is fine. I've always had a four digit PIN - never used letters as a memory aid - and never had a problem.

Posted by
33467 posts

I just opened a new account in Texas which required a 6 digit PIN.

Posted by
23548 posts

What do you expect? It is Texas. Always a little out of step.

Posted by
818 posts

BoA prompted us to pick a 5 number PIN aces years back . We changed it back to 4 later.

Posted by
2916 posts

I've had a 6 digit PIN on my ATM card for years and never had any troubles at French ATMs. The only problem I ever had was years ago in England when I had memorized my PIN by letters but the keyboard was all numbers and I wasn't able to correlate it.

Posted by
357 posts

Thanks for the information. Now I can stop wondering!

Posted by
208 posts

Hi, I see it varies, but just going to add that here in Ontario, Canada, we have 4 digits for both pins debit/credit.