How do I create a PIN number for my Apple Credit Card?

How do I create a PIN number for my Apple Credit Card?



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Posted on Sep 5, 2019 5:10 PM

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Posted on Oct 11, 2019 7:45 AM

I just spoke to someone at Goldman Sachs which is the company that handles Apple Card re: PIN number and was told that when asked for a pin to type in all zeros. We’ll see if that is true but I still think they should allow us to create personalized pins

27 replies

Jan 29, 2020 10:22 PM in response to rudy93

I believe Apple Card support doesn’t have a clarity on this question and also looks like the card can technically be used only in the US. I tried to use the Apple Card at the Dubai airport and it asked me for a PIN. Unfortunately, I was not able to do the transaction without a PIN and I used another card for the successful payment. Only the US has credit cards being used without a PIN and most of the countries like India, UAE, Australia and European countries require PIN for a credit card as well.

If I’m wrong and if Apple really has the ability for PIN creation, I would be more than happy if Apple posts the proper and straightforward answer for this instead of saying try 0000 or last 4 digits of credit card number, etc.

Sep 11, 2019 8:10 AM in response to rudy93

I asked the same question of Apple/GS in an iMessage chat session and the answer was "Apple Card doesn't have a PIN."


Using a PIN to authenticate a credit card transaction is unknown in the U.S. but occasionally required outside the U.S. We visited Iceland in Aug 2019. The Apple card in the phone worked perfectly on the touchless terminals used at most places. But I could not use Apple Card at rural N1 gas stations with automated-payment terminals, which required a PIN with a credit card.


Please Apple and Goldie, allow travelers to create a PIN.

Oct 9, 2019 10:55 AM in response to rudy93

Isn't pretty much every developed country apart from the US using or moving towards the more secure, modern Chip-and-Pin system to secure credit card payments these days? So if not having access to the card's PIN is by design, does that mean the physical Apple credit card is intended only for US domestic use?


Contactless pay terminals aren't a real alternative, as they generally will ask for a PIN if the cash amount for a single transaction is above a certain limit or if the sum of all transactions done without a PIN exceeds a higher limit.


Please Apple, let us have access to that card PIN.

Oct 19, 2019 6:59 AM in response to rudy93

I travel extensively in Europe as well as in the developing world.


Most of the time when you present a US credit card for payment in a shop or restaurant the credit card machine (usually a hand held unit) will automatically print out a second receipt for a signature instead of asking for a PIN. This may annoy the cashier or server who now has to go find a pen, but it generally works.


At self service units like gas pumps, you are stuck if you don’t have a chip and pin card of some kind. I usually use my debit card.


It would be great if Apple/Goldman Sachs could provide a PIN for international travel.

Sep 19, 2019 6:22 PM in response to rudy93

Confirming the above problem.


While traveling overseas, most POS systems (particularly in 3rd world countries) don't have Tap Pay systems to use Apple Wallet.


As such, a physical credit card is needed to make purchases.


Typically, overseas credit card purchases under a certain dollar amount (e.g. $100) don't trigger a PIN code. However, I recently attempted to use the Apple Card for a $20 credit card purchase in Australia which triggered a PIN code request. The card chip mechanism didn't work so I used the traditional magnetic strip swipe process.


Note: Australia does have a mature Tap Pay system but I just wanted to see if the physical Apple Card would actually work as an experiment. Sadly it didn't.


It would be great if PIN Code creation be added as a feature to enable Apple Card usage while traveling.

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How do I create a PIN number for my Apple Credit Card?

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