from what i understand from the literature that came with the card, it's only if you change the original PIN do you first have to use it a manned chip terminal...in my case, i did personalize/change the PIN when i activated the card, so i am aware i will have use it first at a manned terminal...the literature was somewhat confusing <img src="http://www.traveltalkonline.com/forums/images/graemlins/confused.gif" alt="" />