How to Generate Debit Card PIN Using ATM, Phone, and Online (2024)

We all use debit cards to withdraw money, and for all kinds of online and offline payments. But before you can start using your debit card, you need to generate a secure PIN (Personal Identification Number).

If you have been looking for articles on ‘debit card PIN generation’, read on.

What is a Debit Card?

To begin with, let’s understand what a debit card is and its uses. If you are still not using one, after reading this you will definitely want to get one.

A debit card is a multipurpose card issued by your bank which is tied to your bank account. These are some of the functions of a debit card-

• You can withdraw cash from an ATM, check your account balance, and see your mini statement

• You can make online, offline, and even international payments

• You can pay bills and recharge your phone or DTH service

How to Create Debit Card PIN?

Are you searching for ‘how do you find out your debit card PIN number?’ Your search ends here!

Your debit card PIN is a Personal Identification Number which is used to link your debit card to your bank account securely. When you enter the 4-digit PIN, the bank can validate that you have initiated a transaction.

You can create a new PIN in many ways, depending on your bank. Let’s take a look at all the ways-

How to Set PIN for Debit Card Using ATM

This is the most common method of setting the PIN of your debit card and it involves visiting your nearest ATM. When you first get your debit card, it has a default PIN which is printed inside the sealed envelope with your card.

Note that when you set your PIN for the first time, most banks require you to visit their own ATM. You need to visit your bank’s ATM within a stipulated number of days to activate your card using the ATM. If you surpass this time frame, the default PIN gets invalid.

Once there, you can follow these steps-

STEP-1: Insert your card in the ATM machine slot and select your preferred language.

STEP-2: On being prompted, enter the default PIN provided to you by the bank. The ATM will tell you to change your PIN.

STEP-3: Enter your new PIN and submit the request.

This is how you can set your PIN for the first time before using it for any transactions.

The following method can be used to change your ATM PIN or generate it for the second time if you have lost it-

STEP-1: Insert your card in the ATM machine slot and select your preferred language.

STEP-2: You have to then select the ‘Generate ATM PIN’ option.

STEP-3: After this, you will have to select the ‘Generate OTP’ option. You will receive an OTP on your registered mobile number.

STEP-4: You have to reinsert your card and again select the option of ‘Generate ATM PIN’.

STEP-5: This time you have to choose the ‘Validate OTP’ option and enter the OTP that you receive.

STEP-6: If validated successfully, you will be prompted to create a new PIN. It will become functional instantly.

Debit Card PIN Generation through Phone Banking/IVRS

Nowadays you can also choose to generate a new PIN for your Debit Card from the comfort of your home. Many banks allow you to generate or change your PIN through mobile banking or even SMS banking methods.

Here’s how you can generate your debit card PIN using phone banking/IVRS -

STEP-1: Call your bank’s customer care number from your registered mobile number.

STEP-2: Select the required option suggested by the IVRS, and finally choose ‘Generate Debit Card PIN’.

STEP-3: Enter your card details like the 16-digit card number, card holder’s name, and expiry date, as prompted.

STEP-4: When prompted, also decide and enter your new 4-digit Debit Card PIN, and select ‘Submit’.

STEP-5: Your new Debit Card PIN will be generated and ready for use.

How to Create Debit Card Pin Using Internet Banking

Internet Banking has made banking more accessible for all of us. Most banks also allow you to change or generate your debit card PIN using this method.

The following steps will tell you how to set PIN for debit card using internet banking -

STEP-1: Login to your bank’s internet banking portal using your credentials.

STEP-2: Go to the cards section, select ‘Debit Cards’ → ‘Generate PIN’.

STEP-3: Choose the Debit Card for which you want to generate the PIN from the list of cards linked to your account.

STEP-4: Enter the details like CVV (Card Verification Value) and valid through dates printed on your card.

STEP-5: An OTP will be sent to your registered mobile number which you will have to enter.

STEP-6: You will easily be able to create your new 4-digit PIN which will become functional immediately.