Chip & PIN

If you forget your PIN, don't worry, you can contact us via phone call, or log into RAKBANK Digital Banking to request a PIN reissue. You can also visit your nearest RAKBANK branch to make the request.

Once your request is processed, your new PIN will be sent to you.

However, please note that for Prepaid Cards, the PIN cannot be reissued. In this case, you will need to replace your Prepaid Card.

With our Chip & PIN cards, you can enjoy a secure shopping experience.

You can activate your Debit or Credit Card instantly by following the instructions on our Card Activation page.

When making payments at merchants with your Chip & PIN card, you should note the following steps that will be performed:

• Merchant will insert your RAKBANK or Islamic Banking Chip & PIN Card on the chip terminal and enter the exact amount of the transaction.
• Upon reading the Chip on the Card, the terminal will require you to enter the 4-digit PIN.
• The merchant will then request you to enter your 4-digit PIN on the terminal keypad, which you should do in a secure manner.
• When your 4-digit PIN is accepted as valid and the transaction is authorised, the chip terminal will print the transaction receipt confirming that your payment has been successfully processed.
• The merchant will then return your card along with the transaction receipt.
• Since you have completed the transaction using your PIN, there is no need to sign the transaction receipt.

 

Protecting your PIN is not just about choosing the right 4-digit number. It's essential to ensure that no one has access to your PIN, and it cannot be easily guessed by people who know you.

When entering your PIN at an ATM or chip terminal, it's a good practice to shield the keypad with your hand and body, so no one can observe or record your PIN while you enter it.

The process for using your chip & PIN card at ATMs will not change. You’ll still need your PIN to complete your ATM transaction. All RAKBANK ATMs are already chip-enabled, and are also available 24 hours a day.

RAKBANK chip & PIN cards will continue to have the magnetic stripe on the back of the card. This means that you will still be able to use your Debit/Credit Card at merchants who do not process payments using chip & PIN terminals. When using your card at such merchants, the merchant will swipe your card and will ask you to sign the receipt to authorize the transaction.