Kevin said "wonder if the banks have a solution to cover those who buy over the phone? you can't very well use chip and pin over the phone!" So don't use it then! Customers do need to take some responsibility for the risk they take. If you went to the bank and asked for £1000 cash, would you expect the bank to arrange for a security man to take you home on the grounds you may get mugged? Anyway, as far as chip & PIN at home goes, one could vote with ones feet, take account to the bank that doesn't see any need for chip & PIN at home. Not all the banks plan the new system. HSBC see no need for it! Regards, Derek e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq