Note that the information you've provided is, of course, sufficient to conduct online transactions unless your card is one of the few with an electronic changing CVV display or your bank requires a sign-in or a 2FA method, as is common in Europe. In the United States, you might be able to get the terminal to fall back to magstripe, but in most other places, your bank will just decline the card if the chip isn't read. All of this applies to modern EMV contactless, too.Īdditionally, if your card is EMV, even if someone cloned the magnetic stripe (because they got the physical card), the stripe will contain information that says it has a chip and has to be inserted or tapped. The chip is supposed to be tamper resistant, so cloning the card won't work.
While much of the cryptography used in EMV is less than stellar (small RSA keys and SHA-1), the MAC is generally of sufficient strength to make forging EMV transactions functionally impossible. The chip contains a secret key, shared only with your issuing bank, which computes a cryptographic MAC of the data used in the transaction. If your card is EMV (that is, it has a chip), then that's definitely not sufficient. There is also usually a small amount of additional data on the stripe which you haven't mentioned. The CVV on the back of the card is the CVV2, and there is a value on the magnetic stripe called the CVV1, which is different. This is usually not sufficient to create a usable physical card.
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