How to Generate New ATM Card PIN?

byYashi DasLast Updated: October 25, 2024

Key Takeaways: 

  • An ATM PIN is a secure 4 to 6-digit code used for verifying your identity in ATM and card transactions.
  • Generate ATM PIN via ATMs, SMS (Green PIN), internet banking, or mobile apps.
  • Change the bank-provided temporary PIN to a new one known only to you for enhanced security.
  • Update your PIN every 3-6 months to maintain security and prevent unauthorized access.
  • Avoid using common PIN patterns to make your PIN harder to guess.
How to Generate New ATM Card PIN

Ever need to know how to generate ATM PIN and not sure where to start? Whether you’re setting it up for the first time or need to reset it for security reasons, generating a new ATM card PIN is a straightforward process. With options available online, through mobile apps, or directly at ATMs, it’s quick and hassle-free. In this blog, we’ll guide you through the steps on how to generate new ATM PIN, ensuring your card remains secure and ready for use.

Table of Contents Show
  1. What is ATM PIN?
  2. ATM Card PIN Generation Process
  3. How to Generate ATM PIN at an ATM?
    1. Temporary ATM Card PIN Sent Through Envelope
    2. Temporary ATM Card PIN through Green PIN sent on SMS
    3. How to Generate ATM PIN through Internet Banking?
  4. How to Generate ATM PIN through Mobile Apps?

What is ATM PIN?

An ATM PIN (Personal Identification Number) is a secure 4 to 6-digit code used to access your bank account at ATMs or during transactions with your debit or credit card. This PIN acts as a safeguard, ensuring that only you can access and manage your account. If you need to update your PIN for enhanced security or convenience, knowing how to generate ATM PIN online can streamline the process. You can easily set or change your PIN through your bank’s online banking platform, mobile app, or directly at an ATM.

ATM Card PIN Generation Process

The ATM Card PIN generation process starts when banks issue a new ATM card and provide a temporary PIN for initial use. To ensure security, banks recommend that cardholders generate a new ATM PIN known only to them. This personalized PIN helps protect your card during cash withdrawals and online transactions.

There are several ways to generate an ATM PIN, including SMS, net banking, or directly at ATMs. Traditionally, banks sent PINs via physical paper mailers, but the more modern and eco-friendly approach, known as Green PIN, allows for PIN generation through SMS or net banking.

How to Generate ATM PIN at an ATM?

Temporary ATM Card PIN Sent Through Envelope

Banks usually send a sealed envelope containing a temporary ATM PIN to account holders. This PIN may be part of the welcome kit, alongside documents like passbooks and account details, or sent separately in a physical paper PIN mailer. ATM card users must keep this PIN secure and private. To enhance security, it’s highly recommended to generate a new ATM PIN as soon as possible. Follow the steps below to generate a new ATM card PIN:

Step 1: Insert your ATM card into the machine and log in using the temporary PIN provided by the bank.

Step 2: Select the option to either ‘Change PIN’ or ‘Generate New ATM PIN’.

Step 3: The bank will send an OTP (One-Time Password) to your registered mobile number to verify your identity.

Step 4: Enter any necessary details, such as your account number or registered mobile number, if prompted.

Step 5: Once verified, create your new 4-digit ATM card PIN and confirm it by re-entering the same PIN.

Step 6: Your ATM PIN generation is complete, and you can now use the new PIN for all ATM transactions.

By generating a new ATM PIN, you ensure greater protection for your card and personal banking information.

First PIN is Temporary: When you first receive your ATM card, the PIN sent by the bank is usually temporary. It’s crucial to change it to something only you know as soon as possible.

Temporary ATM Card PIN through Green PIN sent on SMS

Green PIN is an eco-friendly and secure method in which banks send a temporary ATM PIN through SMS, helping reduce paper usage and enhancing security. Unlike traditional mailers, Green PIN eliminates the need for physical custody, ensuring a quicker and safer process. Banks typically send the Green PIN either shortly after issuing a new ATM card or upon request for ATM PIN generation.

The Green PIN can either be a temporary PIN or an OTP that expires within a short time. If it’s an OTP, you must generate it while at an ATM. Here’s how you can generate a new ATM PIN using ATM PIN generation through SMS:

Step 1: Visit the nearest ATM and insert your card.

Step 2: Select your preferred language for instructions, then choose ‘Forgot/Create PIN’.

Step 3: Enter your bank account number and registered mobile number. At some ATMs, you may need to choose between ‘Generate OTP’ or ‘Validate OTP’—select ‘Generate OTP’.

Step 4: Once verified, you will receive an OTP on your registered mobile number.

Step 5: Enter the OTP and choose to create a new 4-digit PIN. If prompted, validate the OTP to proceed.

Step 6: Create and confirm your new ATM PIN. You can now use this for future ATM transactions.

Note: Green OTPs are valid for one-time use and expire after a maximum of 3 attempts. If it fails, you’ll need to visit your bank branch to request a new OTP or PIN.

Avoid Common Patterns: Using common PIN patterns like “1234” or “0000” can make your PIN more susceptible to being guessed. It’s best to choose a unique combination that isn’t easily guessable.

How to Generate ATM PIN through Internet Banking?

To generate a new ATM card PIN via internet banking, you need to have activated internet banking for your bank account. Follow these simple steps to create or reset your ATM PIN:

Step 1: Log in to your bank’s internet banking website or mobile application.

Step 2: Navigate to the ‘Change/Reset/Generate PIN’ section for cards.

Step 3: If you’ve received a temporary PIN from the bank, enter it as your current PIN. Then, create a new PIN and re-enter it for confirmation. You might need to answer security questions at this stage.

Step 4: An OTP will be sent to your registered mobile number for verification.

Step 5: Once the OTP is validated, your new ATM PIN will be generated.

If no temporary PIN was provided, go to the ‘Generate PIN’ option and follow the steps, including verifying the OTP received on your mobile, to create your new ATM card PIN.

    Regular Changes: Regularly updating your PIN, even if you haven’t had any security issues, can help protect against potential future threats.

    How to Generate ATM PIN through Mobile Apps?

    Generating a new ATM card PIN through your bank’s mobile app is a quick and easy process. Here’s how you can do it:

    Step 1: Open your bank’s mobile app and log in using your credentials.

    Step 2: Navigate to the ‘Card Services’ or ‘PIN Generation’ section.

    Step 3: Select your debit/ATM card for which you want to generate a new PIN.

    Step 4: You may be asked to enter your temporary PIN (if provided by the bank) or answer security questions.

    Step 5: An OTP (One-Time Password) will be sent to your registered mobile number for authentication.

    Step 6: Enter the OTP and then create your new 4-digit ATM PIN. Re-enter it to confirm.

    ATM PIN and Online Security: Your ATM PIN is separate from your online banking password. However, both should be equally secure and not reused across different accounts.

    Once you receive your ATM card and temporary PIN from the bank, it’s crucial to know how to generate ATM PIN online. This step enhances security because only you will know your new PIN. To further protect your account, it’s a good idea to change your PIN periodically. This prevents unauthorized access, even if someone accidentally learns your PIN. Remember, you’ll need to enter the correct PIN for all cash withdrawals and online transactions. If you enter the wrong PIN multiple times, your card might be temporarily blocked to prevent fraud. Your ATM PIN ensures that even if your card is lost, no one can access your account without the PIN. If you lose your card, make sure to block it immediately to protect your account.

    Yashi Das is a Financial Content Writer who attempts at articulating complex topics in a simpler fashion for readers. When not writing, she is a social media enthusiast.

    FAQs

    Can I use the same ATM PIN provided by the bank?

    Yes, you can use the PIN provided by the bank, but it's recommended to change it to a new PIN known only to you. This adds an extra layer of security since no one, including the bank, knows your new PIN.

    How often should I change my ATM PIN?

    It's a good idea to change your ATM PIN every 3 to 6 months or at least once a year. While you don’t need to change it too frequently, doing so periodically enhances your security. Each time you change it, you'll likely receive an OTP on your registered mobile number to confirm the change.

    Is Green PIN safe?

    Yes, Green PIN is safe. It’s an eco-friendly option that eliminates the need for paper. Your PIN is sent directly to your registered mobile number, avoiding any potential security issues associated with physical mail.

    Can I use my ATM card without activating the PIN?

    No, you need to activate your PIN before you can use your ATM card.

    Can I change or generate my ATM PIN without visiting the bank?

    Yes, you can change or generate your ATM PIN without visiting the bank. You can do it through SMS, net banking, or at an ATM.

    What should I do if I don’t receive the OTP?

    If you don’t receive the OTP, it might be due to network issues. Try again later and make sure that your phone can receive incoming messages.

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