Changing PINs of German bank card

[Guan Xin]

This is probably a general question --

I have never seen a German bank that allows changing the PIN of a card.
So I wonder if it is because using a fixed (non-changeable) 4-digit PIN
mailed in clear text really safer than using a 4 to 6 digit variable length
PIN that never explicitly appears anywhere.

If German banks are right, then should I follow their method and store the
PINs of my OpenPGP cards on a piece of paper?

Guan
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