A bank account PIN (Personal Identification Number) serves as a critical security measure for safeguarding your finances. However, certain numbers are far less secure than others due to their predictability or widespread usage. Using such numbers as your bank account PIN can put your account at serious risk of unauthorized access. Here are some examples of numbers you should avoid using and why:
1. Sequential Numbers (e.g., 1234, 5678, 0000)
Sequential numbers are among the most commonly used PINs. Hackers often start with these combinations when accessing accounts because they are simple and predictable. A PIN like “1234” or “0000” might seem easy to remember, but it’s also the easiest to guess.
2. Repeated Digits (e.g., 1111, 2222)
Repetition is another pattern people gravitate toward for simplicity. Unfortunately, this predictability makes such combinations extremely vulnerable. Studies have shown that “1111” is one of the most frequently chosen PINs, making it a top target for attackers.
3. Birthdates or Anniversaries (e.g., 1987, 0412)
Many people use significant dates as their PINs, believing it makes them easier to remember. However, these dates are often publicly accessible through social media, official documents, or personal conversations. If a hacker knows your birthdate or anniversary, they will likely test these numbers first.
4. Obvious Patterns (e.g., 2580, 1212)
Patterns like “2580,” which corresponds to the middle row of a keypad, or repetitive numbers such as “1212” are easy to guess because they follow a predictable logic. These combinations can be quickly tested using automated tools.
5. Last Four Digits of Your Phone Number
While using your phone number as a PIN may seem convenient, it’s also risky. Phone numbers are often linked to various accounts, and the last four digits are commonly requested for verification purposes. Hackers can easily obtain this information.
How to Create a Secure PIN
To enhance security, choose a random, non-sequential combination of numbers that doesn’t relate to your personal information. Avoid sharing your PIN with anyone, and consider changing it periodically. Utilizing multi-factor authentication (MFA) adds an additional layer of protection, ensuring that even if your PIN is compromised, your account remains secure.
By avoiding common and predictable PINs, you significantly reduce the risk of unauthorized access to your bank account. Security starts with making thoughtful choices about your PIN.