Access Control · Technology Explained

RFID Cards, Fobs & PIN Access Explained

Proximity cards, smart cards, fobs and PIN codes: how they work, which are easy to copy, and where each still makes sense.

The person who left last month may still be able to walk in.

Read on: it takes a few minutes and could save you a lot more than that.

In this guide you will see:
  • 125kHz proximity: cheap, common, easy to clone.
  • 13.56MHz smart cards: better security when set up with encryption.
  • PIN: convenient but easily shared; change codes regularly.
By Qyvea LimitedPublished 2026-09-23Updated 2026-09-232 min read
On this page01. The credential types02. Where each fits03. Good practice04. FAQ
Hand presenting a credential at an access reader
Quick answer

RFID cards and fobs carry an ID that a reader picks up at short range. Older 125kHz proximity cards are simple and cheap but easy to copy; 13.56MHz smart cards (such as MIFARE types) can be more secure when configured properly. PIN keypads need no hardware but codes get shared, so they work best as a second factor or for temporary access.

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Key takeaways

  • 125kHz proximity: cheap, common, easy to clone.
  • 13.56MHz smart cards: better security when set up with encryption.
  • PIN: convenient but easily shared; change codes regularly.
  • Card + PIN or card + biometric raises security for sensitive doors.

01The credential types

TypeHow it worksSecurity note
125kHz proximity card/fobReader reads a fixed ID numberEasy to copy with cheap tools
13.56MHz smart card (e.g. MIFARE)Card can store encrypted dataMore secure if encryption is actually used
PIN keypadUser types a codeCodes get shared or watched
Card + PINBoth neededStronger: a lost card alone won't open the door

02Where each fits

Main office doorsCard or biometric, with logs
Server room / storeCard + PIN or biometric
Staff gatesCard or biometric with schedules
Temporary contractorsPIN or temporary card, auto-expiring
VisitorsQR or temporary PIN
Keypad entry panel on a brick wall

03Good practice

  • Disable lost cards immediately in the software
  • Don't use one shared PIN for everyone
  • Change PINs when staff leave
  • Use smart cards for new installations where copying is a concern
  • Keep a record of which card belongs to whom

04Frequently asked questions

Can RFID cards be copied?

Older 125kHz proximity cards can be copied easily. Smart cards with encryption are much harder to copy.

Is PIN access secure?

On its own it's convenient but weak, because codes get shared. Combined with a card or biometric it's much stronger.

Can one reader take cards and PINs?

Yes, many readers combine a card reader and keypad, and can require both.

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