Chip & PIN Cards

The RAKBANK and Islamic Banking Chip & PIN Cards have an embedded microchip on which your Card data is securely stored ensuring that your Card is unique and cannot be duplicated.

When making a cash or retail transaction with your new Chip & PIN card, either at an ATM or at a merchant, you need to enter your 4-digit PIN. That means that if your Card is ever lost or stolen, no one else can use it, because only you know your PIN. This provides you with an additional layer of security for all your transactions and ultimately much more peace of mind.

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.

RAKBANK and Islamic Banking 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 Chip & PIN card at merchants who do not process payments using chip terminals.

When using your Card at such merchants, the merchant will swipe your Card and will ask you to sign the receipt to authorise the transaction.

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.

For Credit and Debit Cards - activate your Card and know your PIN by calling 600 54 4049 for RAKBANK Cards or 600 54 0044 for the islamic cards with your 6-digit activation code. The 6-digit activation code can be obtained by sending an SMS to 4595 from your mobile number registered with the Bank in the following format:

ACT <first 4 digits of Card number> <last 4 digits of Card number>

(For e.g: ACT 5239 1234)

The 6-digit activation code will be sent you by SMS and will be valid only for 30 minutes. Please use the activation code and other personal details as prompted by the IVR to activate the Card and know you PIN.

If you are outside UAE, Please call us on +971 4 213 00 00 to get your activation code.

In the case of Prepaid Cards, after you have loaded your Card, you can set-up your preferred 4-digit PIN by simply sending a SMS to 2737 in the following format:

100 <your Card ID> <your selected 4-digit PIN>

(For e.g: 100 AED P0300000272 5555)

You can easily change the PIN of your Credit, Debit or Prepaid Card at any RAKBANK ATM. When you change your PIN, choose a new PIN which is easy to memorise and something you would consider as secure. We recommend that you change your PIN periodically for more security.

Protecting your PIN is not just about choosing the right 4-digit number. It is important to make sure that no one has access to your PIN and that it cannot be easily guessed by people known to you. When entering your PIN at an ATM or Chip terminal, it is good practice to shield the keypad with your hand and body so that no one can observe or record your PIN while you are entering it.

If you ever forget your PIN, just call our Phone Banking on 04-213 00 00 or log into RAKBANK Online Banking or Mobile Banking to make a service request for a PIN reissue. You can also visit your nearest RAKBANK branch to place your request. Once your request is processed, your PIN will be sent to you.

For Prepaid Cards, please note that the PIN cannot be reissued. If you forget your PIN, your Prepaid Card will have to be replaced.

Enjoy a secure shopping experience with the Chip & PIN Cards.