How to Generate an ATM PIN

The ATM card PIN or Personal Identification Number is a unique 4-digit code linked to that card. You need to generate your ATM PIN as soon as you get your debit card. The bank validates the transaction when you enter the correct PIN. There are both online and offline ways to generate your ATM PIN.

Here is the step-by-step guide on how to generate your ATM PIN using online channels like net banking and mobile apps:

Through Net Banking

You can use your net banking account to generate your debit card PIN. Follow these steps:

1. Log in to your bank’s net banking portal

2. Select the account that you wish to generate your ATM PIN for

3. Choose the ‘Generate PIN’ option under ‘ATM Card Services’

4. Type in your choice of the four-digit PIN and click on ‘Confirm’

5. Verify with the OTP sent to your registered mobile number

6. After authentication, use the generated PIN to transact seamlessly

Using the Mobile App

Some banks allow you to generate your ATM PIN using their mobile app. Follow these steps:

1. Log in to the bank’s mobile app

2. Choose the account for which you want to generate your debit card PIN

3. Under ‘ATM Card Services,’ click on ‘Generate PIN’

4. Enter the four-digit PIN and confirm it

5. Verify the request with the OTP sent to your registered mobile number

6. Once authenticated, you can use the PIN for transactions

You can also generate your ATM PIN offline.

Through an ATM

Learning how to generate your ATM PIN at an ATM is easy. Ideally, visit your bank’s ATM and follow these steps:

1. Insert your card in the provided slot

2. Enter the temporary PIN provided by the bank

3. Click on ‘Change PIN’

4. Enter the PIN of your choice

5. Confirm your new PIN

If you don’t have a temporary PIN, verify your identity by entering the OTP sent to your registered number. Alternatively, you may enter your account and mobile number for verification.

Using the SMS Facility

Type the message for new PIN generation in the format specified by your bank and send it to the bank’s SMS service number. After raising the request, you will receive a temporary OTP valid for a few hours.

You would then need to follow the steps mentioned below:

1. Visit the nearest bank ATM

2. Insert your ATM card

3. Click on ‘Generate PIN’

4. Enter your temporary card PIN

5. Click on ‘Confirm’

6. Enter your four-digit card PIN and re-enter for confirmation

7. Click on ‘Submit’ 

In some cases, you may need to verify your identity by validating an OTP sent to your registered contact number. 

To generate your ATM PIN through customer care, call your bank’s customer care number and request an OTP for PIN generation. Once the bank verifies your details, they send you an OTP valid for a few hours. Follow these steps:

1. Visit the nearest bank ATM

2. Insert your ATM card

3. Click on ‘Generate PIN’

4. Enter the OTP generated

5. Click on ‘Confirm’

6. Enter your four-digit card PIN and re-enter the same

7. Click on ‘Submit’ to confirm your PIN

If you want to change/reset your ATM card PIN, the process is simple and can be completed both online and offline. Here are the steps to change ATM PIN through various modes:

How to Change your ATM PIN Online

You can change or reset your PIN online by visiting the bank’s website and following the steps mentioned below:

1. Log in to your net banking account

2. Under the ‘Services’ tab, click on ‘Card services’

3. Look for the ‘PIN generation’ option

4. Choose the account number and verify it with the OTP sent to the registered number

5. Click on ‘Continue’

6. Enter your old PIN and click on ‘Submit’

7. Enter your new four-digit ATM

8.  PINClick on ‘Submit’ 

How to Change your ATM PIN Offline

Here’s what you would have to do to change your ATM PIN through an ATM machine:

1. Go to your nearest bank ATM

2. Insert your ATM card

3. Click on ‘Change/Reset PIN’

4. Enter your existing ATM PIN and click on ‘Confirm’

5. Click on ‘Forgot PIN’ in case you do not remember the PIN and enter the received OTP 

6. Click on ‘Confirm’ to change the PIN

When the bank sends an OTP/temporary PIN to your number, cancel the transaction and insert your card again. Here’s how you do it:

1. Select your preferred language

2. Click on ‘Banking services’

3. Enter the OTP/temporary PIN and click on ‘Enter’

4. Choose the ‘Change PIN’ option

5. Enter your new four-digit ATM PIN

6. Re-enter your new PIN and you’re done!

You can use the same channels to set up your credit card PIN too and use it to withdraw money from an ATM as well as avail numerous benefits.

Keeping your PIN safe is essential to protect your financial information:

• Never share your PIN with anyone

• Use a unique PIN that is hard to guess

• Change your PIN regularly

• Shield the keypad when entering your PIN

• Avoid writing or storing your PIN in accessible places

• Be cautious when using ATMs or machines in public areas

• Update your PIN immediately if you suspect it is compromised