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How to Generate ATM PIN?

Home Banking in India How to Generate ATM PIN?

An ATM PIN or Personal Identification Number is a 4 digit code that is unique to every account holder’s ATM cum debit card and is provided to ensure that all the cash withdrawals, POS transactions and online transactions are secured. The transactions are complete only when the cardholder enters the correct PIN, reducing the chances of fraudulent transactions. Let us understand how to generate an ATM PIN on this page.

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Updated: 28-11-2025 07:16:08 AM

With most banks today, account holders have the option of generating an ATM PIN easily by visiting the respective bank’s ATM or using the registered mobile number, net banking portal, and mobile banking facilities. This process makes it simple for every account holder is not only generate the ATM PIN but also to change the PIN Number when required. Account holders can get the Debit card at the time of account opening but also should be aware of how to generate an ATM PIN as well.

How to Generate ATM PIN at Bank’s ATM?
How to Generate PIN via Net Banking?
Other Methods to Generate ATM PIN
How to Generate ATM PIN FAQs

How to Generate ATM PIN at Bank’s ATM?

Visit the nearest ATM of the bank where the individual holds an account. Insert the ATM card into the ATM Machine and choose the “Change PIN” or “Generate ATM PIN” option. Usually, there are three methods of verification depending upon the bank that the account holder is holding the account with:

  • Account holder might be required to enter the temporary ATM PIN provided by the bank at the time of account opening or later received by post.
  • Account holders can also verify using OTP authentication. The OTP is sent to the registered mobile number. Enter the OTP at the ATM to change or generate the ATM PIN.
  • Account holders might also be required to enter details like registered mobile number, and account number to generate ATM PIN in no time.

Once the account holder’s request is verified, he/she can set the PIN as required.

How to Generate PIN via Net Banking?

Account holders can also use the net banking portal to generate the Green PIN. Account holders need to be registered for Internet banking for the account that is linked to the debit card to avail this facility. Follow these steps to generate the ATM PIN using the net banking portal:

  • Log in to the net banking portal with the username and password provided
  • Choose the account that the account holder wish to generate the ATM PIN
  • Then choose the “ATM Card Services” option
  • Click on “Generate New ATM”
  • Enter the desired ATM PIN
  • Following this, an OTP will be sent to the registered mobile number for verification
  • Once the request is verified, the account holder will be able to use the new ATM PIN

Account holders can even log into the mobile banking app and follow the steps mentioned above to generate the ATM PIN.

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Other Methods to Generate ATM PIN

There are other options available to every account holder to generate the ATM PIN:

  • Call the customer care number of the bank that an account holder holds with
  • Get the ATM PIN via SMS by sending the message code provided to the specified number (for SMS Banking)
  • Account holders can also visit the nearest bank to request to generate ATM PIN
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How to Generate ATM PIN FAQs

Q. How to generate an ATM PIN online?

Ans. If you want to generate your ATM PIN online, you can do so through net banking or mobile banking.

Q. How to generate ATM PIN through SMS?

Ans. To generate your ATM PIN through SMS, you need to send an SMS to your bank in the SMS code format provided by the bank from your registered mobile number.

Q. How to generate a new ATM PIN? 

Ans. If you want to generate a new ATM PIN, you can refer to the below-mentioned ways:

  • Visit the nearest ATM of your bank
  • Send an SMS to your bank
  • Call the customer care
  • Visit your nearest bank branch
  • Mobile or Internet banking

Q. Can I generate an ATM PIN without going to the ATM?

Ans. You can generate your ATM PIN if you do not wish to visit the ATM by using netbanking, a mobile app, or calling the bank’s customer care department.

Q. What is the ATM PIN generation time limit?

Ans. The ATM PIN generation time limit varies from bank to bank. Usually, a new debit card PIN must be generated within 24 hours of receiving the card.

Q. What if my ATM PIN generation tries to exceed?

Ans. If you enter your ATM PIN incorrectly thrice, the bank will temporarily block your card for 24 hours as a security measure, and shall be automatically unblocked after 24 hours.

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