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The ATM card PIN or Personal Identification Number is a unique 4-digit code that is linked to that card. You can use this PIN to ensure that your transactions are secure. The purpose of the ATM card PIN is to ensure that only the correct user makes use of the card, thus preventing any fraudulent transactions. You cannot use your ATM card to make payments or withdraw cash without activating and using the PIN. To ensure secure usage, it is advisable to change your PIN every 6 months or each year.

How to Generate an ATM PIN?

An ATM PIN (personal identification number) is a secret, four-digit number that must be generated as soon as you get your ATM card. The unique code is required for secure online and offline transactions as well as to withdraw cash from an ATM. The transaction will be validated only if you enter the correct PIN.

If you are not sure how to create or set an ATM PIN, the process is really simple and can be done both online and offline. Read on to know the steps in detail.

How to Set an ATM PIN Online?

Here is the step-by-step guide on how to create a debit card PIN using the different online channels, namely net banking and mobile app:

1. How to Generate an ATM PIN Using Net Banking

You can use your net banking account for ATM card PIN generation. Here are the steps you would need to follow:

  • Log in to your bank’s net banking portal

  • Choose the account for which you want to generate the ATM card PIN

  • Under ‘ATM Card Services’, click on ‘Generate PIN’

  • Enter the four-digit card PIN and confirm the same

  • Verify with the OTP sent to your registered mobile number

  • Post authentication, you can use the generated ATM PIN to transact seamlessly

2.  How to Generate a PIN for an ATM Card Online Using the Mobile App?

You can use your mobile banking app to create your ATM card PIN. Here are the steps you would need to follow:

  • Log in to the bank’s mobile app

  • Choose the account for which you want to create the ATM card PIN.

  • Under ‘ATM Card Services’, click on ‘Generate PIN’

  • Enter the four-digit card PIN and confirm the same

  • Verify with the OTP sent to your registered mobile number

  • Post authentication, you can use the generated ATM PIN to transact seamlessly.

How to Generate ATM Card PIN Offline?

If you do not have access to the online channels, you can also generate an ATM card PIN offline. There are three ways of doing so, i.e. through an ATM, via SMS, or by calling customer care.

1.  How to Generate a Card PIN Through an ATM?

Learning how to generate an ATM pin is easy, and the simplest method is by using an ATM. Ideally, you should visit the card issuing institution’s ATM and follow these steps:   

  • Step 1: Insert your card in the slot

  • Step 2: Enter the temporary PIN provided by the bank

  • Step 3: Click on ‘Change PIN’

  • Step 4: Enter the PIN you want 

  • Step 5: Confirm your new PIN

Without a temporary PIN, you may have to verify your identity by entering the OTP sent to the registered number. Alternatively, you may be requested to enter your account and mobile number for verification. Upon successful verification, you will be able to change your PIN. Now that you know how to generate your pin through an ATM make sure you change the temporary PIN at the earliest. This will ensure that your card does not get deactivated.

2.  How to Create a PIN for an ATM Card using SMS?

If you are wondering ‘How can I generate an ATM PIN by SMS’, the process is fairly easy. Simply type in the message for new PIN generation in the format specified by your bank and send it to the bank’s SMS service number. Once the request is received, a temporary OTP will be provided to you, which will be valid for a few hours. You would then need to follow the steps mentioned below:

  • Visit the nearest bank ATM

  • Insert your ATM card

  • Click on ‘Generate PIN’

  • Enter your temporary card PIN

  • Click on ‘Confirm’

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

  • Click on ‘Submit’ to confirm your PIN

3.  How to Generate ATM PIN via Customer Care?

To generate a PIN through customer care, you would have to call your bank’s customer care number and request an OTP for PIN generation against your card. You will be asked for certain details, such as your account number, card number, etc. Once all the details are authenticated, you will be provided with an OTP, which will be valid for a few hours.

You would then need to follow the steps mentioned below:

  • Visit the nearest bank ATM

  • Insert your ATM card

  • Click on ‘Generate PIN’

  • Enter the OTP generated

  • Click on ‘Confirm’

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

  • Click on ‘Submit’ to confirm your PIN

How to Change/Reset a Forgotten ATM 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 you will need to follow:

1.  How to Change your ATM PIN Online Without Going to an ATM?

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

  • Log in to your net banking account

  • Under the ‘Services’ tab, click on ‘Card services’

  • Select the ‘PIN generation’ option

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

  • Click on ‘Continue’

  • Feed in your old PIN and click on ‘Submit’

  • Enter your new four-digit ATM PIN.

  • Click on ‘Submit’ to have your card PIN changed successfully

2. How to Change your ATM PIN at an ATM Kiosk?

To change your ATM PIN through an ATM kiosk, here are the steps you would need to follow:

  • Go to your nearest bank ATM

  • Insert your ATM card

  • Click on ‘Generate PIN’

  • Enter your bank account number

  • Click on ‘Confirm’

  • Enter your registered mobile number

  • Click on ‘Confirm’

When you receive an OTP/temporary PIN on your number, cancel the transaction and insert your card again.

  • Select your preferred language

  • Click on ‘Banking services’

  • Enter the OTP/temporary PIN and click on ‘Enter’

  • Choose the ‘Change PIN’ option

  • Enter your new four-digit ATM PIN

  • Re-enter your new PIN to get your card PIN changed successfully

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. In case you do not have a credit card but want to get one, you can browse and apply for a credit card on the Bajaj Markets website.

FAQs About ATM PIN

What is a four-digit ATM card PIN?

An ATM PIN is a four-digit secret number that is unique to your card. You are required to set the PIN when you receive the debit/ATM card. You can also reset your PIN later using the various online and offline channels.

How do I know my ATM PIN number?

Once you receive your new ATM card, you will have to generate the PIN using any of the online (mobile banking and net banking) or offline (ATM, customer care, and SMS) methods.

How can I generate my ATM PIN online?

To generate your ATM PIN online, you can use either the net banking account or your bank’s mobile app. The steps are as follows:

  • Log in to the bank’s mobile app/net banking account

  • Choose the account for which you want to create the ATM card PIN

  • Under ‘ATM Card Services’, click on ‘Generate PIN’

  • Enter the four-digit card PIN and confirm the same

  • Verify with the OTP sent to your registered mobile number

  • Post authentication, you can use the generated ATM PIN to transact seamlessly

How do I activate my new ATM card?

To activate your new ATM card, visit the nearest ATM and insert your card in the ATM machine. Next, you will be asked to enter the ATM card number and your pin on the screen. Once that is done, you can create a new PIN for your ATM card. Follow the given instructions on the screen to enter your new PIN and your new ATM card will get activated.

Can I generate an ATM PIN online for the first time?

Yes, you can generate an ATM PIN online for the first time. Here is how to generate ATM PIN online:

  • Visit the website of the concerned bank and login into the net banking portal using your username and password.

  • Next, navigate to the ‘ATM card’ section on the net banking portal

  • Here, you can hit on the option ‘ATM PIN Generation’ or ‘Create a PIN’

  • Select the account number to which the ATM card is linked and click on ‘continue’

  • Follow the instructions provided on the net banking portal and you can generate your ATM PIN online for the very first time.

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