How to Change the ATM Card PIN?

byYashi DasLast Updated: August 17, 2022
How to Change the ATM Card PIN

An ATM card PIN change is important to assure that no one accidentally discovers and misuses the PIN. If any fraudulent website or app tracks and/or saves the online transactions where you enter the ATM PIN, changing the PIN code might save you from major frauds and losses.

Also, in case you forget your ATM PIN, you can create a new PIN through the facility of ‘change or reset the ATM PIN’. There are several ways in which you can change your ATM PIN. An OTP (One Time Password) is sent to the registered mobile number of the account holder to confirm that the ATM card PIN change is being done by the actual card owner.

How to Change ATM PIN?

ATM card PIN change can be done in almost as many ways as ATM card PIN generation like by visiting the ATM, through net banking, or via SMS. Below, we discuss the multiple ways how to change the ATM PIN:

Changing ATM PIN at an ATM

All ATMs (Automated Teller Machines) deploy Value Added Service (VAS) provided through NFS (National Financial Switch) by NPCI (National Payments Corporation of India) that allows ATM card PIN change. Each time you log in to your ATM account at an ATM, several options such as checking balance, cash withdrawal, pin change, etc. are displayed on the screen. You need to follow these steps for ATM PIN change at an ATM:

  • Once you insert the ATM card into an ATM and log in to your account, go to ‘Change/Reset PIN’
  • Enter the existing PIN and then enter the new PIN which you want to use the next time
  • You will be sent an OTP at the number registered with your bank account; enter this OTP to validate the action
  • In case you have forgotten your PIN, insert your ATM card and click on ‘Forgot PIN’ once the card reader reads your card
  • You will be asked for your registered mobile number, where an OTP will be sent. Enter the OTP and generate the new ATM PIN
  • Once your ATM card PIN change is done, you will get a message stating the successful PIN change

How to Change ATM PIN through Net Banking?

You can change your ATM card PIN through internet banking both on the bank website as well as the bank’s mobile app for net banking. Also, you need to have your net banking activated for your bank account and follow the below steps:

  • Log into your net banking site or app and go to the ‘Change/Reset PIN’ section
  • You will be asked to enter the existing old PIN. Then, enter the new PIN and re-enter to confirm if asked
  • An OTP will be sent to the registered mobile number and enter the OTP to confirm that it is you who is changing or resetting the ATM PIN
  • Once completed, you will be notified of a successful ATM card PIN change

How to Change ATM PIN at Bank Branch?

You can always seek help from the bank for an ATM card PIN change if you want to reset your PIN, in case you forget it or accidentally block your ATM card through wrong attempts. Banks ask you to fill up forms requesting PIN generation or PIN change and submit them to start the due process for ATM card PIN change. A temporary PIN will be provided by the bank through physical paper mail or a Green PIN will be sent to you through SMS. You will have to change this bank-provided PIN later by generating a new PIN. While banks may help you generate a temporary PIN through OTP sent on your number, it is always better to use a self-generated PIN that is confidential and hence, safe.

How to Change ATM PIN through SMS?

If the bank in which you hold the account provides the facility for ATM card PIN change or resetting your PIN through SMS, you can choose to send an SMS in a specific format to the bank’s toll-free number, dedicated to this service. You might also be asked to fill in your account details or enter your ATM card number. An OTP or a temporary PIN, valid for a few hours will be sent for confirmation. You can create a new PIN using this OTP or a temporary PIN at an ATM.

How many times can I change or reset my ATM card PIN?
There is no set limit for the number of times you can go for an ATM card PIN change but it is advisable to change it every three to six months or at least a year for enhancing the security of your ATM card.
What happens if I enter the wrong ATM PIN?
Your ATM card will be blocked if you enter the wrong PIN three times. In case you have forgotten your PIN or if you suspect an unauthorized person might have changed the PIN, go for the option of ‘Forgot PIN’ and create a new one. You can contact your bank for further assistance.
How do I know if someone changes my PIN or uses my ATM?
It is better to have activated email and SMS alerts on your registered mobile number for every transaction or ATM card PIN change. You will be notified whenever you change the PIN or withdraw money as well as you can get alarmed of any fraudulent activities.

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