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

Wiki Article

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

What is an ATM PIN?

PIN (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 can only use the ATM card after activating the Dumps With 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/Personal Identification Number?

As an account holder opens a new account, the banks send a temporary PIN code that you can use to use at the ATM. 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 ATM PIN sent on Paper Mails

The ATM PIN is sent to the account holders or card owners in paper mail, sealed in an envelope. Card owners are advised to create a new ATM PIN for security purposes, which they will then use for transactions. 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.

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 and for enhanced security. This method helps save time and ensures safety by removing the need for bank employees to physically handle paper mailers. You receive a temporary Green PIN on your registered mobile number when you initiate a PIN generation or change request, often 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 recommended to change the PIN provided by the banks for security reasons. There is an option for ‘Forgot/Generate PIN’ at ATMs which you can use for a new ATM card PIN generation.

Generate ATM PIN via SMS (OTP Based)

This method for ATM card PIN generation through SMS is similar to the Green PIN process, but it involves receiving an OTP (One-Time Password) instead of a temporary PIN directly. In this case, you need to send an SMS first from your registered mobile number to a specified number provided by the bank for SMS banking. The SMS text must follow the bank’s specific instructions for ATM PIN generation to be valid. An OTP is sent to your number which is valid for a few hours/days. You then visit an ATM, insert your card, validate your identity with the OTP, and proceed to create your new PIN, similar to the Green PIN process.

Get an ATM 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 to authenticate the request and prevent unauthorized PIN generation. Once the OTP is validated, your new PIN is generated.