All you need to know about ATM pin generation

Personal Finance

A 4-digit ATM PIN is for purchases at an Automated Teller Machine (ATM). The bank gives the PIN and expects it to be changed and kept secret by ATM card users. You can change and create a new ATM card PIN as you wish. A PIN is a short form for a personal identification number, which is unique to each ATM card. This PIN code verifies that the cardholders are paying out the transactions and that they are genuine.

You can divide ATM PIN generation into two categories: those using actual paper mailers and those using green PINs. Green PIN encompasses the creation of ATM PINs via SMS and net banking.

How to Generate an ATM Card PIN

After the bank sends you the temporary PIN, you must go to an ATM to get a new ATM card PIN.

  1. Paper mail with temporary ATM PIN codes

Banks send account holders or cardholders a sealed letter with the PIN. It might come with a welcome package that includes all bank paperwork, such as passbooks and account information. Banks may deliver the initial ATM card PIN separately in a paper pin mailer.

  • Use the ATM card and enter the temporary PIN to log in.
  • Banks will issue a one-time password (OTP) to the registered mobile number.
  • You have to put in information like your bank account number or a mobile phone number that is registered with the bank.
  • Once the request is verified, you may generate the 4-digit PIN. You can re-enter the updated ATM card PIN.
  • Your ATM PIN generation is complete, and you may use it to execute ATM transactions.
  1. SMS delivery of a new ATM card PIN via Green PIN

The other option is to use a green PIN to go paperless. Banks transmit an ATM PIN code via SMS. Banks are using green PINs to address environmental issues and improve security. It saves paper and time, and bank workers are not responsible for the physical care of the printed mailers. You may receive a new PIN text on your registered mobile number after a few hours of receiving the ATM. 

A green PIN might be a PIN or an OTP that expires in a few minutes. For PIN generation, follow the procedures below:

  • Insert your card into the nearest ATM.
  • Once you have selected the language, you may choose ‘Forgot/Create PIN.
  • You can provide information such as your account and registered mobile phone number. You may also be asked to choose between “generate OTP” and “validate OTP” at some bank ATMs.
  • An OTP is given to your registered phone number after you are verified.
  • Enter the OTP, and you will be allowed to generate a new four-digit PIN.
  • Set up a new PIN and confirm it before using it for future transactions.
  1. Using the Net Banking option

Net banking allows you to generate your ATM PIN from the comfort of your own home. You do not need to visit a local ATM to finish the transaction. You must have online banking enabled on your bank account to generate ATM PINs using net banking. You can either sign in to the online banking site or the phone app, or proceed as follows:

  • Enter your username and password to access your account.
  • Then, under the “e-services” tab, pick “ATM card services.”
  • Look for the phrase “ATM PIN generation.” You will have two options: a one-time passcode (OTP) or password. Choose one of these PIN generation options.
  • The OTP choice will send a code-encoded message to your registered phone number.
  • Enter the amount in the appropriate column. Choose the bank account to which your ATM is connected. Then click ‘Continue.’ Now choose the ATM card. Enter the first two numbers of the new PIN. The last two would be through SMS to your mobile number.
  • Enter the two numbers you chose before and the two numbers you got through text on your registered number. To generate your ATM PIN, click “Submit.”
  • The procedure for changing an ATM PIN using a personal PIN is nearly the same. However, new SBI cardholders may only generate a PIN using net banking after registering the card via the “ATM Card Services” link under the “e-services” option.

An Introduction to Personal Identification Numbers

Personal identification numbers are usable with debit cards connected to a person’s bank account to give additional protection. When a person receives a card, they must select a unique PIN that they must input every time they want to withdraw cash from an ATM and, in many cases, when they make a payment at other merchant businesses.

PINs are similar to passwords in several other applications, including home safety and mobile phones. A PIN is any number used to check a person’s identification.

Personal Identification Numbers and Card Security

PINs are six digits long and are frequently sent to cardholders in addition to the associated card or input at a local office when creating an account in person.

When selecting a PIN, it is best to choose one that is tough to guess yet simple for the account owner to remember. Simple PINs or numbers that are easy to predict are not tolerated. Account holders must use extreme caution when sharing or releasing information.

Personal Identification Numbers and Electronic Transaction Processing

Digital payments with vendors are slightly more complicated than ATM transactions. As a result, by demanding an extra layer of verification from the buyer, the use of a PIN can make transactions safer.

PINs are usually needed as the final step in a payment, granting a retailer permission to accept a payment card. Once a card gets verified for processing, communication is sent to the retailer’s acquiring bank, which allows payment settlement.


After receiving an ATM card and a PIN from the bank, you must establish a new PIN. It increases security because the PIN is only known to you. You must also update it over time for security reasons, so if someone mistakenly learns the PIN generation, they cannot misuse the ATM card.

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