You’ll be glad to know @Kiwi79 that although PIN numbers still can’t be loaded unless you visit a Bnz store, there have been recent changes to the pins on cards that are ordered.
If your card is reissued due to expiry or if the card is faulty or damaged, the PIN number automatically transfers to the new card (this has not changed)
However if the card is reissued due to it being lost, stolen or having fraudulent activity occur then most cards now will come with the existing pin loaded onto the new card; BUT this is only the case if the previous card has been used with the PIN number within 30 days of the issue of the new card.
If this is not the case, then yes unfortunately the card will arrive without a PIN number and will need to be loaded once the card owner arrives back in New Zealand and visits a Bnz store with photo ID. You can still manually activate the card for online purchases and payWave by contacting our call centre or sending a secure message through your internet banking.