How to Generate a Debit Card ATM Pin

How to Generate a Debit Card ATM Pin
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Thejus KS
Thejus KS
A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.
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Amit Prakash Singh
Amit Prakash Singh
Co-Founder, Square Yards & Chief Business Officer, Urban Money
Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Account users can now simply generate an ATM PIN with the majority of banks today by visiting the ATM in question , using the registered mobile number, using the net banking portal, or utilising mobile banking services. Each and every account holder may easily generate an ATM PIN using this technique, as well as alter their PIN number as needed. The account holder can receive a debit card when the account is opened, but they should also be familiar with how to create an ATM PIN.

Generate a Debit ATM PIN  Steps by Steps Guide

There are several ways to generate a debit card PIN, including using an ATM, the internet, or a phone banking service. We will explain how to create a debit card pin in this article, along with the necessary safety measures. 

Given below are the various methods by which one can generate a debit card ATM PIN.

How to Set an ATM PIN Online?

A debit card ATM PIN can be easily set by various online methods which are now made available by all the banks.

Here are the steps on PIN generation for a debit card utilising internet services, majorly net banking and a mobile app:

Generate an ATM PIN Using Net Banking

The Green PIN can also be created through the online banking interface by the account holder. To use this feature, the account holder must have online banking set up for the account that is connected to the debit card. To create an ATM PIN using the net banking portal, follow these steps:

Step 1: Use the specified username and password to access the net banking account of the bank you hold the Debit Card ATM of.

Step 2: Click on the account for which the account holder wants to create an ATM PIN.

Step 3: Now, click on The ‘ATM Card Services’ option.

Step 4: Now, click on ‘Create New ATM’

Step 5: Fill in the preferred ATM PIN.

Step 6: An OTP will then be provided for verification to the mobile number which is registered with the bank.

Step 7: The account holder will be allowed to use the new ATM PIN once the request has been validated.

Generate PIN for an ATM Card Online Using the Mobile App

The account holder can also create the debit card ATM PIN via the mobile banking application. The account holder must have online banking set up for the account that is linked to the debit card in order to use this feature. Use the procedures below to generate an ATM PIN using the mobile banking application:

Step 1: Open the mobile application of your bank, fill in your username and password and login to your account.

Step 2: Click on the account you want to create the Debit ATM PIN for.

Step 3: On the next screen you will see an option of ‘ATM Card Services’ under which you will click on the option of ‘Generate PIN’.

Step 4: Now, fill in the new 4-digit Debit Card ATM PIN that you want to set.

Step 5: You will then receive an OTP on the mobile number which is registered

Step 6: Fill in the OTP and once authenticated, you have successfully set your Debit Card ATM PIN. 

How to Generate ATM Card PIN Offline?

A debit card ATM PIN can be easily set by various offline methods which are easily accessible by anyone who cannot access online services.

Here is a step-by-step tutorial on how to generate a PIN for a debit card utilising several offline methods:

Generate a Debit Card ATM PIN through an ATM?

The account holder can also create the debit card’s ATM PIN via an ATM vestibule. It’s simple to learn how to create an ATM pin, and using an ATM is the easiest way to do it. Ideally, you should visit the ATM of the organisation that issued your card and do the following:

Step 1: Put the debit card inside the ATM machine’s slot.

Step 2: You might have received the temporary PIN by the bank, which you need to enter into the   ATM machine after putting in the debit card.

Step 3: Select the option of ‘Change PIN’

Step 4: Fill in the PIN that you want to set for your debit card.

Step 5: Now, tap on ‘Confirm’

Without a temporary PIN, you might need to input the OTP issued to the registered number for your identity confirmation. As an alternative, you can be asked to verify your identity by entering your account and mobile number. You will be allowed to modify your PIN after successful verification. Now that you are aware of how to create an ATM pin using an ATM, replace the temporary PIN as soon as possible. By doing this, you can prevent your card from being deactivated.

Generate a PIN for an ATM Card using SMS

The account holder can also create the debit card ATM PIN via SMS. It’s simple to learn how to create an ATM pin, and SMS is the easiest way to do it. Generating an ATM PIN via SMS is a rather simple process. One just needs to send the message for the new PIN generation to the bank’s SMS service number by typing it in the format your bank has instructed. You will be sent a temporary OTP, and it can be used even after a few hours. The steps listed below would then need to be followed:

Step 1: Locate your bank’s ATM vestibule which is nearby to your location.

Step 2: Put your ATM card in the slot of the ATM machine.

Step 3: Tap on the option ‘Generate PIN.’

Step 4: Fill in the temporary ATM PIN that you received.

Step 5: Tap on ‘Confirm’

Step 6: Fill in the new debit card ATM PIN and re-enter it again.

Step 7: Tap on the option of ‘Submit’ so as to finalise the new ATM PIN for your debit card.

Generate ATM PIN via Customer Care

The account holder can also create the debit card ATM PIN by contacting the customer care of the concerned bank. It’s simple to learn how to create an ATM pin. Ideally, you should go to the contact the customer care of the preferred bank that issued your card and do the following:

One should call the bank’s customer care line and request an OTP to generate a PIN against your card in order to generate a PIN through customer service. Now, you should provide the customer executive with information like account number, card number, etc. You will get an OTP once all this information is verified by the teller.

Now, you need to follow the steps listed below:

Step 1: Walk into the nearest ATM of your bank

Step 2: Put in the debit card in the ATM machine’s slot.

Step 3: Tap on the option of ‘Generate PIN’

Step 4: Fill in the generated OTP

Step 5: Tap on the option of ‘Confirm’

Step 6: Fill in the new debit card ATM PIN and re-enter the same again.

Step 7: Tap on the option of ‘Submit’ so as to finalise the new ATM PIN for your debit card.

Other Methods to Generate ATM PIN

Along with all the online and offline methods, there are a variety of other methods which can be used to generate debit card ATM PIN. Every account holder has additional choices for creating the ATM PIN, including:

  • Contact the bank’s customer service line if you have an account there.
  • Send the provided message code to the designated phone to receive the ATM PIN through SMS (for SMS Banking).
  • Account holders can also go to their local bank to make an ATM PIN request.

How to Change/Reset a Forgotten ATM PIN?

The ATM card and its PIN can be reset or changed by an easy process which can be done both online and offline. One must follow the steps given below:

Changing the ATM PIN online Through Netbanking

Visit the bank’s website and do the actions listed below to modify or reset your PIN there:

Step 1: Open the bank’s official website, fill in your credentials and login to your netbanking account.

Step 2: After logging in click on the option of  ‘Services’, and then click on ‘Card Services’.

Step 3: Click on the option of ‘PIN Generation’.

Step 4: Click on the account that you want to change the PIN for and then authenticate with the OTP which you have received on your registered mobile number.

Step 5: Choose the option of ‘Continue.

Step 6: Fill in the old PIN and then choose the ‘Submit’ option.

Step 7: Fill in the PIN (4-digit) which you want to set for your ATM card.

Step 8: Choose the option of ‘Submit’, and you will receive a confirmation message of your ATM PIN Reset.

Changing the ATM PIN at a Kiosk

The steps which you need to follow so as to change your ATM PIN with the help of an ATM machine are as follows:

Step 1: Visit the nearest ATM of your bank.

Step 2: Put in the ATM card in the slot of the ATM machine.

Step 3: Tap on the option of ‘Generate PIN’

Step 4: Fill in the bank account number 

Step 5: Tap on the option of ‘Confirm’

Step 6: Fill in the mobile number registered with your bank

Step 7: Tap on the option of ‘Confirm’

Now, one should cancel the initial transaction and put in your card in the ATM machine slot after receiving a temporary PIN or an OTP on the mobile number which is registered with the bank.

Step 1: Choose the language that you want to go forward with.

Step 2: Tap on the option of ‘Banking Services’

Step 3: Fill in the temporary PIN/OTP that you received on your phone and tap on the option of ‘Enter’

Step 4: Tap on the option of ‘Change PIN’

Step 5: Fill in the new ATM PIN which you want to set for your card.

Step 6: Fill in the new PIN again and tap on the option of ‘Confirm’, you will now receive a confirmation message on the registered mobile number of  ‘PIN changed successfully’ 

Things to Consider When Generating a Debit Card Pin

There are various things to take note of while generating a new Debit Card PIN, we have enlisted some of the major ones for you:

  • Avoid clicking on any arbitrary links or websites that ask you to enter or modify your debit card pin.
  • Never divulge the pin for your debit card to anyone.
  • Avoid using sensitive information in your password, such as your birthday or phone number, and keep it strong.
  • While using your debit card at POS (point of sale) terminals, keep your card’s pin secure.
  • If a website asks you to enter your debit card pin, only utilise authorised sites to make payments.
  • Never divulge your debit card pin through phone, email, or text message to anyone. In this manner, banks will never request banking credentials or personal information.
  • Take good care of your debit card.
  • Change the pin on your debit card frequently.

Do’s and Don’ts to Secure Your ATM Card and PIN

In a time when there is a significant rise in ATM and banking scams one should take all the necessary precautions to secure their respective ATM cards and PINs. 

Given below are some of the ways by which you can secure your ATM Card and PIN:

  • One should always cover the keypad while using an ATM machine or a POS so as to hide whatever is being typed.
  • One should in any scenario never share the details of your ATM card or the PIN with anyone.
  • The PIN should never be written on the ATM Card back side.
  • One should always ignore any calls, messages, or emails that ask for the details of the card or the PIN.
  • Never use your birthdate, mobile number, or account number as your ATM card  PIN.
  • Always tear away and safely throw the transaction receipt you receive from the ATM machine.
  • Always scan your surroundings for a spy camera while using your ATM..
  • One should always be careful about the manipulation of the keypad, shoulder surfing, and the heat mapping whenever one uses the POS or ATM machine.
  • Always opt for the alerts food transaction so as to keep track of all your account activities.

Conclusion

You may easily create a debit card pin by doing the things mentioned above and keeping these things in mind. Never forget to safeguard your debit card and prevent unwanted access or use.

Frequently Asked Questions (FAQs)

How can I generate my ATM PIN myself?

You can now generate the ATM PIN on your own through netbanking, a mobile application, SMS, by visiting the bank’s branch or the ATM kiosk, or calling the customer care service.

Can we generate the ATM PINs on mobile?

Yes, one can generate the ATM PIN on their mobile through SMS or through the mobile application.

How do I activate my new ATM card?

You can activate the new ATM card with the help of the green PIN which you received in the welcome kit and then visit the ATM kiosk, fill in your debit card number, and the green pin and set a new PIN, now you are all set to use the ATM Card.

How do I activate my ATM at home?

No, one needs to go to the nearest ATM machine in order to activate the ATM.

Can I activate my ATM in any ATM?

You can activate your ATM card only in the ATM of the bank which issued your card.

What happens if the ATM card is not activated?

One won’t be able to use the ATM card services if the ATM card is not activated.

Do I need to activate a new debit card?

Yes, one needs to activate the new debit card as one won’t be able to use it if it’s not activated.

How can I use an ATM card without a PIN?

One can use the ATM card without the PIN only at the cardless POS machine.