[hwatson]

As an aside, no USA banks issue chip and PIN cards. The EMV-capable cards being rolled out are chip and sign cards. This usually doesn't matter but can cause issues at fully automated tills (the common example being issues when trying to purchase transit tickets).

Wikipedia's article on EMV has a section explaining the technical differences[0] between the card types.

[0]: https://en.wikipedia.org/wiki/EMV#Chip_and_PIN_vs._Chip_and_...

[UnoriginalGuy]

Yes they do. Wells Fargo issued me one to use on my trip to Paris. It worked fine in Paris, plug it in, enter the pin, and done. It does take some getting used to, but my Target Red Card works the same way now in the US (enter a pin, etc).

Also your link contradicts your point:

> As an aside, no USA banks issue chip and PIN cards. The EMV-capable cards being rolled out are chip and sign cards.

But if you actually read the very section you linked it says that they are Chip and Pin and not only are they Chip and Pin, but they're the exact same "EuroPay" compatible cards issued in much of Europe.

Did you even read what you linked to, like at all..? Because:

> The chips in these cards feature "PIN" ranked first in the list of possible cardholder verification methods (CVM), but with signature allowed as a fall-back option (or even no verification at unattended terminals).

So you're wrong. Every USA bank is issuing Chip and Pin you just cannot read.

[hwatson]

I wasn't aware of Wells Fargo issuing Chip and PIN cards[0] and I appreciate you pointing that out!

The other USA banks that I've looked at (Bank of America[1], for example) issue signature-only cards. These not working in unattended kiosks is mentioned in the last paragraph of the Wikipedia section we're both referring to.

The main problem with Chip and PIN cards in the USA is PIN management. Since EMV was developed before every ATM was online, the card needs to be aware of its PIN. Not many USA ATMs support reading EMV cards, which makes changing the PIN on the card difficult.

This is why Wells Fargo[0] don't allow you to change your card's PIN and is why many USA banks simply chose to skip PINs altogether. The last sentence of the Wikipedia section we're referring to mentions this.

[0]: https://www.wellsfargo.com/credit-cards/features/chip-card/f... [1]: https://www.bankofamerica.com/privacy/faq/emv-chip-card-faq.... under "Using chip credit cards" see "Bank of America doesn't currently offer consumer credit cards that include PIN authorization for purchases." Debit cards can be PIN authorised when running them over the online interbank networks, which makes offline PIN management irrelevant.