List of Credit cards and their chip and pin status

muze7 · #1 22.09.2009, 16:56

I have been looking for a Swiss credit card that not only has a chip and pin, but is a card that can actually be used with the pin code both in Switzerland and abroad. For example, many cards have a chip and pin, but do not actually allow you to use it in stores such as Migros and Coop. UBS is one example, my card was issued in May 2009, has a chip and pin, but still requires a signature in these stores, whereas the Migros card allows the pin to be used on exactly the same terminals!
If anyone has any info, please help update this list, it might be useful for others too. I apologize for this being an image. My html table is not accepted, and I do not know how else to post it here!

So if you know whether your card works with your pin (without signature!) in Switzerland, please post!

HashBrown · #2 22.09.2009, 17:21

My VISECA MC required signature in CH and abroad.

My new SBB VISA asks for PIN in CH.

[Both have chip and PIN]

I should note that at SBB terminals, my VISECA MC required a PIN obviously, but was treated as a regular cc payment and not a cash advance.

Tilia · #3 22.09.2009, 17:25

My Miles and More Master Card asks for pin both in Switzerland and abroad and has a chip.

At Migros you can only pay with EC though, no?

nirmala.kalyan · #4 22.09.2009, 17:29

My hubby's credit suisse visa card has chip and PIN.

It can be used just with the pin.No need for signature and can be used online also.We have used it here as well in some other countries.

But they dont take visa card in Coop.Atleast thats what they said when we wanted to use the card.

Goldtop · #5 22.09.2009, 19:12

	Quote:	muze7
	I have been looking for a Swiss credit card that not only has a chip and pin, but is a card that can actually be used with the pin code both in Switzerland and abroad. For example, many cards have a chip and pin, but do not actually allow you to use it in stores such as Migros and Coop. UBS is one example, my card was issued in May 2009, has a chip and pin, but still requires a signature in these stores, whereas the Migros card allows the pin to be used on exactly the same terminals! If anyone has any info, please help update this list, it might be useful for others too. I apologize for this being an image. My html table is not accepted, and I do not know how else to post it here! So if you know whether your card works with your pin (without signature!) in Switzerland, please post!

Requiring a signature is additional protection against fraud and misuse.

muze7 · #6 23.09.2009, 00:34

Thanks to all so far. I have updated the table reflecting your answers.

Hashbrown, your Viseca also worked with pin outside of the SBB terminals and gasstations? I mean, it worked with pin in a normal shop too, right?

Tilia, I paid with the Migros Mastercard at Migros, but I am not sure if that is the only credit card allowed. I will check next time

Nirmala, can your card be accessed through online banking of some sort, so you can see the statements online?

Goldtop, about needing a signature, although that should be true, I think a pin is safer than a signature, because whenever I sign, 80% of the time, they do not even check my signature. At least with a pin, it is harder for a thief to use the card.

Deep Purple · #7 23.09.2009, 00:43

I have a UK Visa Debit Card from Halifax Bank. This has chip & pin. I have used it in Switzerland and PIN has been accepted OK.

I understand that if a store cannot accept a PIN, the signature offers the same protection i.e. you are not liable for losses.

evilshell · #8 23.09.2009, 01:24

My Viseca card works with chip & pin in the UK - I've not tried it in Switzerland. Same for my Coop card.

nirmala.kalyan · #9 23.09.2009, 09:26

	Quote:
	Nirmala, can your card be accessed through online banking of some sort, so you can see the statements online?

No,there's no online access for the credit card statements. But whenever we have called the credit suisse call center,they were really helpful.

g_zuri · #10 23.09.2009, 09:34

Coop Supercardplus (Mastercard) has Chip+Pin which works in Coop and Migros with Pin (probably a lot of other shops in CH which have up to date terminals).

Would never consider using it abroad.

GenevaSculler · #11 23.09.2009, 10:07

You already have UBS Mastercard on your list, but I can confirm the same applies for UBS Visa.

I too thought it was pretty stupid to have Chip & Pin and have to sign every time - so much so that I've more or less stopped using the credit card in shops now (just keep it for using on-line) due to added hassle of signing each time.

HashBrown · #12 23.09.2009, 10:09

My viseca MC always required signature in shops and restaurants.

Both COOP and Migros accept MC. Only one accepts VISA, but can't recall which.

Bananahead · #13 23.09.2009, 08:04

	Quote:	Goldtop
	Requiring a signature is additional protection against fraud and misuse.

It would be if the card required both the pin and the signature but they only require the signature. And it would also need the signature to be checked.

	Quote:
	Over the past 6 months, I have been playing a fun game with my credit card company. The game finally backfired on me today and led me through the most hilarious moment of my life. Most people would have been embarrassed, but me, I'm a little twisted, so I laughed all the way through it like an a$$hole. With any story, there is a setup process. Here is the setup to this story. About 6 months ago, I was making a purchase with my credit card and when I went to sign the electronic signature machine, it was broken. By broken, I mean that when I touched the pen to the machine, it went crazy and didn't look anything like my signature. It looked like a drunk 4 year old signed my name for me. It accepted the signature without any problems. So this really made me wonder what I could do to give my credit card company something to laugh about. I mean, they obviously don't review the signatures since they never called me or declined a purchase. For **s sake, it could have been a stolen card. I started out modest by signing with a line or an "X". Occasionally I would do last name first. After a couple of months, I became bolder. I wrote goofy sht, drew pictures, etc. Here's a list of some of my favorite signatures over the past few months: I AM NOT ZEB I STOLE THIS ** OFF YOU WALMART SUCKS CALL ME CROTCHY CROTCHINGTON MY BALLS ITCH 911 I'M A CRIMINAL THANKS FOR THE STUFF Today I went the extra mile. When it came time to sign my name, a thought popped in my head. I should draw a picture. But what picture should I draw? I smirked as something completely juvenile came to me. This is a rough drawing of the signature that I provided: Yes, I know, it's not my best artwork, but I didn't have the time to be elaborate with the drawing. I had to look like I was providing a signature. Right after I hit "OK", there was a pause. The register then said "COMPARE SIGNATURE ON SLIP TO CARD." One thought popped in my head: "OH !" It then printed the receipt and there in black and white was my ** drawing of cock and balls. The lady at the register didn't immediately look at it. She asked for the card. I handed her the card and she flipped it over. Then she brought up the receipt and she smirked, but then took a stern tone and said "These signatures don't match." At this point I was in tears from trying to hold back my laughter. I tried to explain to her why I had done it, but it didn't matter. I probably didn't make sense as I laughed hysterically through the explanation. She then paged the manager and I erupted in laughter. The guy behind me in line got a glimpse of my signature on the receipt and began laughing. The manager comes up and the woman from the register begins whispering to him. I then hear a few words "he drew a penis..." as she holds up the receipt. The manager blurts out a short laugh and then controls it. He turns to me and I'm out of breath from laughing and I'm still giggling like a schoolgirl. Manager: Sir, your signature...heh...umm...doesn't match the signature on your card. Zeb: I know and there is a good reason for that. Manager: (quietly) You drew a penis on my credit card machine. The guy behind me bursts into laughter. Zeb: Yeah, I didn't think this would happen. I've been trying to see how far I could go with my signature before the credit card company did something about it. Manager: I guess you learned your lesson. Zeb: Yeah, the credit card doesn't accept penis. The guy behind me now can't stop laughing. Manager: OK, I'm going to decline the signature and have you sign it again. Zeb: Fair enough. Manager: This time, really sign it. So I had to sign it again and they wouldn't let me keep my artwork. Those ***s. I had singlehandedly broken up the monotony of their daily routine and given them something that they will be talking about for years to come and they wouldn't let me keep it. They will tell their grandchildren about the guy that drew cock and balls as his credit card signature. So I have a plan now. I'm going to get a new credit card and sign the back with my cock and balls drawing. Then I will consistently use that as the signature. That way, if I ever get caught in the same situation, the signatures will match. That will really ** with them. Source.

Goldtop · #14 25.09.2009, 18:02

	Quote:	Bananahead
	It would be if the card required both the pin and the signature but they only require the signature. And it would also need the signature to be checked.

Recently, we had a EF participant moaning about stolen card, stolen pin and account emptied several thousand francs.

Now if signature were required:

The thief would hesitate and be nervous to use such a card.
The shop becomes negligent for not verifying signature. Shop would be liable to compensate such misuse.

So I like the idea of belt-and-braces, PIN-and-signature (at least for non trivial amounts).

muze7 · #15 26.09.2009, 02:34

	Quote:
	Noticed you've got Viscea listed as chip & pin and signature both. I've used my Viscea card in the UK and have never been asked for a signature - just chip & pin.

Ok, good point, I guess I have to be more exact in order to make the comparison clear and fair. The key question is therefore this: if the card has a chip and pin and does not require a signature anymore in both Coop and Migros shops in Switzerland, it satisfies the test in my view.
I am referring to large stores in this case, with up to date terminals. (Because the smaller stores may have older terminals which renders the test inapplicable).

So if Viseca cards work in these larger stores, with the pin and without signatures required, that would be great and I would update the table accordingly. Also, kzs his post suggests that the PostFinance Mastercard is still a question mark.

Boxman · #16 28.09.2009, 12:41

some feedback on my UBS Visa card (Optimus Foundation):
CHIP+PIN works at my local garage (in the shop) but normally I have to sign. Deffo abroad need signature.

M-Mastercard CHIP+PINs all over - but they gave me such a shockingly low limit that it's maxed out all the darn time.

I should have Postfinance Visa to test this week. Bye-bye, UBS