How to Generate a Debit Card Pin in a Few Easy Steps?

How to Generate a Debit Card Pin

Did you recently open a bank account?

If yes, are you searching for how to generate a debit card pin?

Do you know there are 3 to 4 ways to generate a debit card pin?

Besides, debit card pin generation is easy, but, do you know it still requires utmost precaution to generate the same.

In this blog, we will show you different ways for the debit card pin generation process and things that should be taken care of while generating a debit card pin.

How to Generate a Debit Card Pin?

Debit card pin generation can be made by following the methods given below. Use any of the methods given below as per the available resource and convenience.

It is to be noted that the given method and the steps might vary depending upon bank to bank.

Generate a Debit Card Pin Using an ATM Machine

  • Open the sealed envelope carefully to get your 4 digit PIN provided to you by the bank along with your debit card
  • Insert the debit card in the ATM
  • Enter the debit card number and the given ATM pin
  • You will then be prompted to set a new ATM pin
  • Enter your new ATM PIN

Generate a Debit Card Pin through Netbanking

  • Log in to your bank’s internet banking portal
  • Locate the “Debit Card” section in the portal
  • From there, click on any option that says ‘generate PIN” or ‘create PIN’
  • Upon choosing the option, the portal will provide you with instructions on how to activate your debit card
  • Follow the instructions and activate your debit card online

Generate a Debit Card Pin Using Phone Banking

  • You must have received a phone banking PIN or something else that might help you in phone banking conversations
  • Dial the telephone number provided to you, and connect with the operational member to activate your debit card Pin
  • Once successfully connected, follow all the instructions given to you during the telephonic conversation to get your debit card activated


  • Banks send OTP to the customer’s registered mobile number to verify and activate the debit card
  • Other than the bank, never share or click on any random links to activate a debit card or change/create a debit card pin

How Does a Debit Card Work?

A debit card works in 3 ways- offline, online and at ATMs

  • Offline
  1. At POS, a merchant adds the product purchase details of the user
  2. Next, the merchant swipes the user’s debit card to the card swiping machine
  3. After this, the user must enter the PIN to verify the transaction
  4. Upon successful verification, the merchant receives the payment and an instant notification is sent to the user
  • Online
  1. For any online transaction, a user is required to enter the card holder’s name, the 16-digit debit card number, CVV number, and the card’s expiry date (The user can choose to save these card details for future transactions)
  2. After this, an OTP will be sent to the user’s registered mobile number
  3. After entering the OTP, the user will have to enter the PIN to complete the transaction
  • ATMs
  1. To perform a debit card transaction (which means cash withdrawal only) at an ATM, the user must begin by inserting the debit card into the ATM
  2. Next, the user must choose the type of account, the total amount to be withdrawn and enter the PIN number
  3. Once done, the cash can be collected from the ATM machine

Things to Keep in Mind for Debit Card Pin Generation

Keep the following things in mind while creating a debit card pin-

  • Do not click on any random link or sites that prompt you to create/change your debit card pin
  • Never share your debit card pin with anyone
  • Keep the password strong, resist using birthday date, phone number, etc
  • Protect your debit card pin while using it at POS
  • Always use authorized sites to make payment through your debit card that requires debit card pin to be entered
  • Do not share your debit card pin with anyone over a call, email, or message. Banks never ask for the banking credentials and related information over the phone, emails or message
  • Always manage your debit card carefully
  • Keep the habit of changing the debit card pin regularly

Wrapping it Up!

You can follow the above-mentioned steps to set your ATM Pin. However, make sure to understand the process of Pin generation and keep other aspects in mind while activating your debit card.

What is a debit card PIN?
A debit card PIN, called Personal Identification Number is a 4-digit unique code offered to the user as a debit card security feature. It is required to complete any debit card-based transaction.
Can I withdraw money without entering a PIN?
No, you can not withdraw money without entering a PIN. In fact, a debit card PIN is a protective shield that protects debit cards from getting exposed to any malicious activity or theft.
Is it mandatory to activate a debit card right away?
While there isn’t a set time frame within which you should activate a debit card, it is good to activate it as soon as it arrives.
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