What is an ATM Card PIN number and How to get it

An ATM card PIN is a multi-digit number required at Automated Teller Machines (ATMs) for carrying out transactions and is provided by the banks initially. This PIN can be reset or changed to a new PIN by the card owner.

What is an ATM Card PIN Number?

PIN or Personal Identification Number is a 4-digit code unique to each ATM card that ensures that the card user or account holder is carrying out the transactions. You cannot use the ATM card without activating the PIN. You should change your ATM PIN every 3-6 months or at least once a year to enhance the security of your bank account as well as ATM and online transactions.

How to get a PIN Number?

As an account holder opens a new account, the banks send a temporary PIN code that can be used to log in to the ATM account. This PIN can then be changed to a new one. In some cases, you can generate a new PIN with the help of an OTP. There are several ways to get an ATM PIN as discussed below:

Temporary PIN sent on Paper Mails

The PIN is sent to the account holders or card owners in a paper mail, sealed in an envelope letter. ATM card users are advised to carefully note the PIN that is sent and must not share it with anyone. The ATM card owners are advised to re-generate a new ATM PIN for security purposes which can then be inserted into the ATM machine. One can log in using the temporary PIN code provided by the bank and follow the instructions displayed on-screen to generate a new PIN.

Temporary ATM Card PIN through Green PIN sent on SMS

Instead of paper-mailed PINs, banks send Green PINs through SMS as a step towards the ‘Go Green’ initiative for environmental concerns, as well as for enhanced security reasons. This method helps save paper, time and ensures safety since the bank employees are not in charge of the physical custody of the paper mailers. The temporary PIN is sent to your registered mobile number when you request to change the PIN at an ATM. Once you receive your Green PIN, visit the nearest ATM and insert your card to generate the new PIN.

Note: It is advised to change the PIN provided by the banks for security reasons. There is an option for ‘Forgot/Generate PIN’ at ATMs which can be used for a new ATM card PIN generation.

Read More: What is CVV in an ATM Card

Receive ATM PIN through SMS

Almost similar to temporary Green PIN sent on SMS, ATM card PIN generation through SMS sends an OTP and not a temporary PIN. In this case, you have to send an SMS first from your registered mobile number to a specified number provided by the bank for SMS banking. The text for the SMS should be as instructed by the bank, for ATM PIN generation such that it is valid. An OTP is sent to your number which is valid for a few hours/days. You have to go to an ATM, insert the card and log in using the same OTP and create the PIN in a similar way as you did through Green PIN.

Get PIN through Internet Banking

Once you log in to your net banking portal, you should find the section ‘Change/Reset/Generate PIN’ for your cards. You will be prompted to enter the existing PIN and if you have received a temporary PIN from the bank, you can use the same as the existing one. Next, you need to enter the new PIN and re-enter it to confirm. In some cases, certain security questions may also be asked. An OTP may be sent to your registered mobile number so as to ensure that no other person is trying to generate the ATM PIN in an unauthorized way. Once the OTP is validated, your new PIN is generated.

Read More: Forgot ATM PIN - How to Reset it

Generate ATM Card PIN through Customer Care Call/IVR

Banks provide customer care/Interactive Voice Response (IVR) numbers through which you can generate the ATM PIN. Some banks ask you to give a missed call and they call you back. In some cases, you can call and wait for the directions. Out of many on-call facilities, you will be provided with the facility of PIN generation or resetting option. Once you select it, follow the pre-recorded instructions, or a customer care executive will guide you through it.

Can someone else receive my PIN number and misuse it?
Someone can receive your PIN number and misuse it only in certain circumstances. If they get hold of paper mailers, or they know your personal bank account details to misuse the Green PIN service, internet banking, etc.
Can I continue using the PIN sent by the bank?
Yes, you can continue using the PIN sent by the bank but it is advisable to generate a new PIN after you get one from the bank. This ensures safety as not even the bank knows the 4 digit PIN that you generate. It is suggested to change the PIN every 3 to 6 months for enhanced security.
What if I forget my PIN?
If you forget your ATM PIN, you can always contact the bank or reset it in multiple ways. Read Here: Forgot ATM PIN – How to Reset it?
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