united-kingdom
Community wiki of some things you shouldn’t be able to do…
Contactless
In my experience, before you can use a new Debit Card for contactless payments, you must make a chip-and-pin purchase by inserting the new card into a card-reader and entering the PIN (which you won’t know: see below).
(Unknown) In my area, buses operate a “tap-to-pay” system where you can tap a card as you board. The first time you do this each day it makes a nominal reservation charge and finalises the amount the next day (once the total number of journeys is known). I strongly suspect that this use would be rejected for a new card (until the PIN was used), but don’t know for sure.
Chip-and-PIN / ATM Withdrawals
You shouldn’t be able to do either of these. While the PIN for a new card is often the same as its replacement, the PIN is not shown in the accompanying letter (when a new PIN has been issued, it arrives separately in a protective envelope).
