Apple Card PIN for international travel

Yes, I understand. I’ve encountered the same issue in my travels too. When I use the PIN and occasionally works, those are unmanned terminals. The merchant programs all transaction that way.

Using Tap-To-Pay and/or Apple Pay can bypass the PIN requirement in my experience. But if you encounter a PIN request, just use a different card. In my experience that rarely happens. But as I stated above, Apple Card’s do not have a PIN.

Apparently it is a problem overseas. I found this discussion about it from 2019 and nothing has changed.

How do I create a PIN number for my Apple… - Apple Community

There is no option to set a PIN on the Titanium card. All you can do is send feedback to Apple to request the feature.

Titanium cards do have pins, they’re just tricky to find but there are two ways to find the pin.

Way #1:

Wallet —> Apple Card —> Top right corner click on the little card with 123 —> Additional Card Numbers (bottom) —> You will now see the Last 4 digits and expiration of your titanium card.

Way#2

Wallet —> Apple Card —> Top right corner 3 dots —> Card Details —> Card information —> Additional Card Numbers —> You will now see the Last 4 digits and expiration of your titanium card.

Below the titanium card information it says “use the last 4 digits to identify transactions made with titanium card”

Sometimes you’ll be asked for a pin even within your country. No matter where you’re at or traveling to, that’s your pin.

Terminals that request a PIN are usually trying to do a >Cash Advance< and terms & conditions of Apple Card accounts does not permit Cash Advances. However, I have been able to occasionally get a transaction approved by entering a random 4 digit number, such as 7246 or any random set.

My understanding is a PIN is used in some countries as an additional level of security for physical card transactions.

Those are not a PIN (Personal Identification Number). Those are the last 4 numbers of the 16 digit card number. Those numbers are provided by the bank to facilitate refunds and returns.