How to Proceed to Apply for ATM Card Online?

byDilip PrasadLast Updated: March 15, 2024
How to Proceed to Apply for ATM Card Online?

The progress of banking technology has streamlined how financial institutions work and simplified the lives of customers. A glowing example of that is the introduction of the ATM cards. The ATM card, when introduced in 1967, was a ground-breaking invention that changed the way banks operated. This dedicated payment card is issued by financial institutions, enabling users to withdraw funds as per their will from the nearest Automated Teller Machine.

Today, ATM cards have come a long way from their initial days, and modern cards are equipped with all the latest technology to safeguard your financial interests. Also, these payment cards enable you to perform a host of other financial activities, increasing your convenience further. So, to reap all the benefits of an ATM card, you must know how to go about the online ATM card apply. 

Application for ATM Card: Step By Step Guide

If you are wondering, ‘Can I apply for an ATM card online?’ The answer is yes, you can. Here are the steps that will help you understand the entire online process. 

Step 1: Go to the official website of the preferred financial institution and head to the personal banking/ retail banking/ credit card/ debit card section. 

Step 2: Select the ‘debit card apply online’ tab and choose the category of the card you want to apply for. (Assess the requirements and benefits that you want through the card and then take the decision). 

Step 3: Now enter all the necessary details and submit the necessary documents (if any). The banks already have all the documents from the time one has opened the account. 

Once all the details and documents are submitted, you have to wait for 2-3 days for the bank to issue the ATM card. Once the card is sent to the applicant’s address, they will have to set a PIN (Personal Identification Number) and then they can start using this payment card.

The same process is followed when the application for a new ATM card is made, in case you have lost your previous card or it has been stolen. 

Besides knowing how to apply for an ATM card online, users must know how to apply for an ATM card offline as well. 

To do so, visit the bank in person to get hold of the ATM card and ask for the ATM application form. Fill it out and submit it for it to get processed.

Particulars of an ATM Card 

An ATM card consists of the following details:

  • The card displays a 16-digit number, which is referred to as the ATM card number. 
  • The expiry date of the card is also mentioned in the card. Once the date has expired, you will not be able to make any transactions using it. 
  • The ATM card also displays the Credit Verification Value (CVV). This is meant for security purposes.

Also Read: Types of ATM cards

Benefits of Using an ATM Card 

ATM card bestows users with the following benefits: 

  • The flexibility of usage: Users can withdraw cash anywhere, anytime. They do not have to visit the branch office of their respective financial institution in person. Even if there is no branch of the bank from where they have opted for the ATM card, they can make transactions without any hassle. Users can also transfer money and check balances even if they do not have access to net banking. 
  • Easy to obtain and helps during urgency: The only requirement for obtaining an ATM card is that users must have a bank account with which the ATM card will be linked. ATM cards come in handy during any emergency. Users can easily withdraw cash from accounts and resolve their immediate fund requirements. 
  • Secured mode of payment: The 4-digit personal identification number helps to keep your ATM card secured. You get a notification every time you complete any transaction, so you can get notified against any unauthorised transactions. In addition, it is very easy to block an ATM card in case you have lost it or misplaced it. 

Besides using the ATM card, you can also opt for Paytm to carry out financial transactions. Paytm also makes it easy to send money to anyone from anywhere in an instant. Users can opt for varied payment methods like wallet, credit card, UPI, or debit card to transfer money via the Paytm App. Even one can choose the Paytm UPI mode.

Read More: How to transfer money online: A complete guide


ATM cards enable users to perform certain banking functions effortlessly. In order to make the most of it, users must know the proper way to apply for an ATM card and keep it in proper condition. Besides, they must refrain from sharing salient credentials like CVV, OTP or PIN. Moreover, in case the card is lost, users must block the card instantly to prevent any monetary loss. 


When can the ATM card get blocked?

The ATM card can get blocked in case the users have entered the wrong ATM PIN numerous times. It is indicative that the card has expired or has been stolen or lost.

Is there any daily withdrawal limit for ATM cards?

Yes, there are daily withdrawal limits for ATM cards predefined by financial institutions. However, the limit varies from one financial institution to another.

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