The PIN code of a multibanco card is like a personal safety key. However, many users opt for simple combinations that make it easier for those who try to access their data. Because it is only a sequence of four digits, there are those who underestimate the degree of risk associated with choosing a predictable code.
The danger of the easy to guess
Although PIN only allows you to perform physical transactions, and online purchases require additional data, the protection level remains weak, especially when you are used obvious numbers. According to It is important to remember that although there are 10,000 possible combinations, there are quite common standards that are explored by criminals.
With the advancement of technologies, namely artificial intelligence, the ability to test different combinations has become faster and more efficient. What could once take hours before, today can be done in seconds, exposing users to the biggest dangers.
Study reveals dangerous standards
A Facebook data analyst released a four-digit-spent-based study that was exposed on information escapes. Although the study has not been directly based on card codes, the analyzed data offers an approximate view of the most frequent choices among users.
Of the 3.4 million records analyzed, about 11% contained the combination “1234”. This number represents a significant slice and shows how predictable the choices can be. Many of the most commonly used combinations are based on repeating numbers or easy memorizing sequences.
Even more worrying is the fact that more than 25% of combinations could be guessed with only 20 attempts. This undermines the effectiveness of PIN as a measure of safety and underlines the importance of avoiding obvious sequences.
The 10 most used combinations
According to the same source, among the most used PINs are the following: “1234”, “1111”, “0000”, “1212”, “7777”, “1004”, “2000”, “4444”, “2222”, “6969”. These numbers are considered high risk because they are the most often chosen and, consequently, the first to be tested in unauthorized attempts. Repeating digits and simple patterns facilitates the work of those who try to explore safety failures.
In addition, many people continue to opt for significant dates such as birthdays. Although it seems like a logical choice to ensure memorization, these combinations greatly limit the possibilities and make PIN more vulnerable.
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Random combinations are more effective
As refers to MarkerTo increase the safety of your ATM card, the choice of completely random numbers is the most effective option. Among the least used PIN is, for example, the “8068”, which is considered one of the most difficult to guess. The absence of visible patterns in this combination makes it difficult for any attempt to discover difficult.
Avoiding repeated or sequential patterns is critical to reducing the risk of intrusion. Choosing a truly random code significantly increases the difficulty of any attempt to guess, even using advanced technological tools.
It is equally important to never share PIN with third parties. Even if the order seems to come from a banking entity, it should be viewed with suspicion, as banks never ask for their personal code to their customers.
Basic protection measures
In addition to choosing a good pin, there are other care that should be taken into account. Whenever possible, you should protect the keyboard by introducing the code into payment terminals. Avoid storing the written PIN in an easily accessible place, such as the wallet or mobile phone cover.
If you are suspicious of a fraud attempt, immediately contact your bank. Fast performance can prevent greater damage and prevent the loss of money or personal data.
Regular PIN update is also a good practice, as long as obvious patterns are avoided. The higher the randomness and the frequency of change, the lower the likelihood of improper access.
Prevention is essential
The simplicity of a PIN code can be deceiving. Although it seems harmless, choosing a predictable sequence can pave the way to unauthorized fraud and access. The use of advanced technology by cybercriminals has made these threats even more serious.
Staying informed and adopting good security practices are ways to protect your bank details. Random and discreet combinations are at this time the safest way to ensure that only the holder has access to the ATM card.
If your PIN appears among the most used, it will be prudent to consider an immediate change. The protection of your account begins with the conscious choice of four digits.
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