wrote:

On Wed, 2 Sep 2009 07:16:02 -0700 (PDT)
Andy wrote:
Oh and to reinforce the point, if you are undertaking a 'customer
present' transaction, the PIN number is validated directly against the
card and not sent to any server. The card holds the PIN, not the bank.

If your card has a magnetic stripe on the back then your bank is probably
well aware of your PIN otherwise you'd never be able to use it in non
chip-and-pin cash machines in other countries.

When you get a new card the bank sends you the pin (and if a renewal
debit at least says it is the same as your current one)

--
Mark