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Work homepage
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Overview
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Get ready to work
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Find jobs
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Working
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Lost your job
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Start your own business
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Benefits and payments homepage
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Overview
Take a look at the range of benefits and payments we have available.
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Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors
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Moving to New Zealand
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Benefits and forms
A-Z list of benefits, forms, benefit rates
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On a benefit homepage
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Overview
Check out what you need to do when you're getting a benefit or other payment from us.
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Something's changed
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Housing homepage
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Overview
Find out how we can help you with housing.
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Nowhere to stay
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Find a house
Find out where to look for private housing, or apply for public (social) housing.
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Other languages
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loginYour payment card needs a PIN
20 September 2024.
From 23 September you must have set a personalised PIN on your payment card before you can use it. It's quick and easy to set your PIN online, and you can reset it later if you forget it.
Setting a personalised PIN keeps the money on your card safe and secure. People have been able to add a PIN since 28 July this year.
From 23 September this is required for all payment cards. Using the last 4-digits on your card as the PIN will no longer work.
If you have more than one card, set a PIN on each card.
How to set your PIN
- Log in to MyMSD.
- Go to 'My payment cards'.
- Select the card you want to add a PIN for.
- Enter a 4-digit PIN, and re-enter it to confirm.
- Done! Your PIN is now ready to go.
If you can't use MyMSD to set your PIN, then call us and say "set my card PIN".
Reset your PIN
You can reset your PIN by following the same steps above.
Locked card
The card will lock if you enter an incorrect PIN 5 times. You can unlock it by resetting your PIN, or wait until the next day – the card will unlock automatically at midnight.
How to use your PIN
When you're using your card to pay, swipe it through the EFTPOS machine, select CHQ, and enter your personalised PIN.
You also need to sign the receipt – the shop staff will check this matches your signature on the back of the card.
Read the full process for how to use your payment card:
Problems with your payment card
Find out what to do if your card locks, declines, or you have any other problems with your payment card.
Information for payment card suppliers
If you're a supplier who is registered to accept our payment cards, please let your staff know about these changes.
From 23 September payment cards will only work if customers have set a personalised PIN and use it when they pay. Using the last 4-digits on the card as the PIN will no longer work.
If your customer is having trouble with their payment card, you can let them know they can:
- set or reset their PIN in MyMSD or MyStudyLink, in the 'My payment cards' section, or
- call us on 0800 559 009.
We've updated our website information for suppliers about payment cards. This includes information about:
- how customers use the card, including setting and resetting PINs
- what to advise if a card declines or locks
- what your EFTPOS terminal says and what to do.
You can read this information here: