ISO 9564-5:2025

Financial services — Personal identification number (PIN) management and security — Part 5: Methods for the generation, change, and verification of PINs ISO 9564-5:2025

Publication date:   Oct 24, 2025

Scope

This document specifies cryptographic methods for:
—     PIN generation;
—     reference PIN change;
—     transaction PIN verification.
These PIN management functions can be implemented using:
—     encryption using an approved algorithm (see Table 1);
—     CMAC using an approved block cipher (see Table 1);
—     HMAC using an approved hash algorithm (see Table 1).
Refer to ISO 9564-1 for basic principles & requirements regarding PIN establishment.