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Idk why you would be cracking a PIN code. They aren’t really typically used for online security (and shouldn’t be). And if your attacker is targeting you, the PIN code isn’t meant to stop them.
What it does stop is you finding a random card on the side of the street and finding the nearest ATM to withdraw all of the cash from.
which will lock the card after 3 tries, so even if you are using your birth year chances are they are not going to guess it
Revolut which is a European wide online bank mentions a passcode required to access your account + a two factor authentication typically on the same device…
I recall I was not confident on the security options and opted to close the account before even finishing the registration 😅