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 would 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.

ON THIS PAGE : Generate ATM PIN Online | Generate ATM PIN Offline | Change or Reset ATM Pin | FAQs About ATM PIN

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:

i) 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

ii) How to Generate 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 online. There are three ways of doing so, i.e. through an ATM, via SMS, or by calling customer care.

i) 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 an ATM pin through an ATM, make sure you change the temporary PIN at the earliest. This will ensure that your card does not get deactivated.

ii) 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

iii) 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:

i) How to Change 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 ‘Services’, click on ‘Card services’

• Choose the ‘PIN generation’ option

• Select the account and verify with the OTP sent to your registered number

• Click on ‘Continue’

• Enter your old PIN and click on ‘Submit’

• Enter your new four-digit ATM PIN.

• Click on ‘Submit’ to successfully change your card PIN

ii) How to Change 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 the new PIN to successfully change your card PIN

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.