New Delhi: Several banks nowadays just issue the debit card and ask the customers to set generate their PIN manually themselves. This has been done to ensure that your PIN does not fall in wrong hands. Earlier when you opened an account, the bank would send the debit card in a letter. The letter would also contain a four-digit number which is to be used to operate ATM. Banks advise the customers to change the PIN sent in the letter immediately.
It may be noted that since the letter is sent through post, there are chances of it falling in the wrong hands. Which is why having a secure and secret debit card pin is must, because that’s the only security code used when you are carrying ATM transactions. One can easily generate their ATM PIN nowadays. Note that in order to generate your PIN online, you must register your mobile number with the bank.
Here’s how you can generate the 4-digit PIN at an ATM
Step 1 – Visit your nearby bank branch, and insert your debit card in ATM.
Step 2 – You will see a host of options on the screen such as cash withdrawal, balance enquiry and mini statement etc. Locate ‘Generate ATM pin’ option on the screen and select it.
Step 3 – Once selected, you will be directed to a page which will hold two new options like ‘Generate OTP’ and ‘Available OTP’.
Step 4 – Select generate OTP, and within a few minutes, a six-digit code will be sent to your registered mobile number.
Step 5 – Insert your card in the machine again and select ‘Generate PIN’ again.
Step 6 – This time, select One-Time-Password available and enter the OTP sent to your mobile.
Step 7 – You will then be asked to enter a 4-digit number as the PIN. Enter the desired combination once and then repeat to confirm the PIN.
Step 8 – Select ‘Submit’ and your PIN will be generated.
While most ATMs follow this pattern, sometimes the ATM might ask you to enter the mobile number manually to send your the One Time Password. In such cases, just enter the mobile number manually to process. Also, make sure to avoid using birthdates, vehicle numbers, phone number and other public information as ATM pin because in case your card is stolen or lost, it can be accessed using this information.
Worth mentioning here is that you can also generate ATM PIN using SMS and online banking services. In case of online, you will have to enter your bank account number to generate the PIN, while with SMS service, you will have to send a set pattern text.