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ISO 9564-5:2025

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

Publication date:   Oct 24, 2025

General information

60.60   Standard published   Oct 24, 2025

ISO

ISO/TC 68/SC 2 Financial Services, security

International Standard

35.240.40   IT applications in banking

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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.

Life cycle

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PUBLISHED
ISO 9564-5:2025
60.60 Standard published
Oct 24, 2025