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1/10 credit card PINs can be guessed on the first try

17% of cardholders in Europe are victims of credit card fraud. Only in United Kingdom, the damage is estimated at 388 million pounds and counting.

Despite the increasing number of cases of fraud, cardholders are still using simple PIN codes like 1234, 1111 or 0000. Thus, one of ten credit card PINs can be guessed from the first attempt, while 25% of most custom credit card PINs can be guessed in a maximum of 20 attempts.


For this study, DataGenetics analyzed over 3.4 million PINs. Most PINs are credit card holders’ birth year, which is an easy to guess code, especially by trained criminals. McAfee security experts say that 17 percent of Europe’s population were victims of bank fraud at least once in their lifetime.

There are 10,000 combinations for the four-digit PIN code. Most of them start with “19” and represents the birth year of the cardholder. 0000 is also widely used as the credit card PIN code.

Here are the 10 most used PIN codes for credit cards:

1. 1234
2. 1111
3. 0000
4. 1212
5. 7777
6. 1004
7. 2000
8. 4444
9. 2222
10. 6969