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I'm not aware of any UK cards that don't let you change the PIN, just pop them into a cash machine and you'll find an option to do it on the menu.

Of course, my not being aware doesn't mean you can't, but I know from experience that most of the big banks let you do it, and I can't think of a single example of either me not being able to do it or me hearing of anyone else not being able to do it.

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That could be true. But how many people do you think actually change their PIN? I think it's will be low single figure %; I think many aren't aware you can make PIN changes.

I only have anecdotes rather than data (suspect the same is for you), but personally I would have guessed that nearly everyone does. Obviously I don't know the situation of all my family/friends, but for example in my close family both parents and both siblings have always changed to PIN numbers they chose themselves, I've known colleagues go change their PINs after getting a new card, etc...

I suspect there's no way to know which of our guesses is closer to the truth without a bank providing stats, which seems unlikely to happen. Or a poll somewhere..

In every letter I've had with a new bank card it's told me how to change my PIN if I want to. I'm not sure I know anyone who hasn't changed theirs.

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