What to Do When You Forget Your ATM Card PIN

Step-by-step process to reset your ATM card PIN.
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What to Do When You Forget Your ATM Card PIN
5 mins read
10 Jan. 25

Forgot your ATM PIN? Here is what to do

You can either go to the bank branch or call customer care service if you wish to reset the ATM PIN without OTP. If you try to reset the PIN through SMS, internet banking, or even at an ATM, an OTP will be sent to the registered mobile number.

How to reset ATM PIN using ATM itself

If you are at the ATM and realise “I forgot my ATM card PIN number” after inserting your card in the machine, do not worry. You can follow these steps:

  1. Choose the “Forgot PIN” or “Regenerate ATM PIN’ option on the ATM screen.
  2. You will be redirected to enter your registered mobile number, which triggers an OTP to that number.
  3. Enter the OTP using the ATM keypad, and you will be redirected to choose another PIN.

The reset through this mechanism happens immediately, and you can withdraw cash once it resets.

Forgot you PIN - Ways to reset your ATM PIN

There are several ways to reset your ATM PIN:

  1. Online banking: Log in to your bank's online banking portal and navigate to the section for card management or PIN services. Follow the instructions to reset your PIN.
  2. Mobile banking app: If your bank offers a mobile banking app, you can often reset your PIN directly through the app by accessing the card management or PIN services section.
  3. ATM: Many banks allow you to reset your PIN at their ATMs. Insert your card, select the option for PIN services, and follow the prompts to reset your PIN.
  4. Customer service: Contact your bank's customer service hotline and request assistance with resetting your ATM PIN. They may guide you through the process or initiate it for you.
  5. Visiting a bank branch: You can also reset your ATM PIN by visiting your bank's nearest branch and requesting assistance from a bank representative. Bring valid identification for verification purposes.

Choose the method that is most convenient for you, depending on your bank's available services and your preference for in-person or remote assistance.

Things to remember when resetting ATM PIN

  1. Choose a strong PIN: When resetting your PIN, choose a combination that is unique and not easily guessable. Avoid using obvious combinations like your birthdate or sequential numbers.
  2. Memorise your PIN: Once you have set your new PIN, memorise it. Do not write it down or share it with anyone.
  3. Keep it private: Never share your PIN with anyone. Banks will never ask for your PIN, so if someone requests it, it is likely a scam.
  4. Change it regularly: Consider changing your PIN for added security.

Why should you reset your ATM card PIN

Resetting your ATM card PIN is vital to safeguard your financial security. It helps mitigate the risk of unauthorised access and fraudulent transactions. Regularly updating your PIN enhances protection against potential breaches or compromised data. Changing your PIN periodically adds an extra layer of security, reducing the likelihood of unauthorised individuals gaining access to your funds. By proactively resetting your ATM card PIN, you demonstrate responsible financial behaviour and prioritise the security of your banking transactions. This simple measure helps maintain the integrity of your accounts and protects against potential financial losses due to unauthorised activities.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

Will my ATM be blocked if I forget my ATM PIN?

Forgetting your ATM PIN will not automatically block your card. However, entering the wrong PIN multiple times at an ATM could trigger security measures, leading to temporary suspension for security reasons.

How to reset the ATM PIN without an OTP?

To reset your ATM PIN without an OTP, visit your bank branch with valid identification, fill out a PIN reset form, and complete the process with assistance from a bank representative.

How many times can I change or reset my ATM card PIN?

You can change or reset your ATM card PIN as many times as you need. There is generally no limit on the number of times you can change your PIN, but it is always a good idea to check with your specific bank for any particular policies they might have.

What happens if I enter the wrong ATM PIN?

If you enter the wrong ATM PIN multiple times, typically three times in a row, your card may get temporarily blocked for security reasons. This block usually lasts for 24 hours, after which you can try again. In some cases, the ATM might retain your card if the wrong PIN is entered repeatedly.

How do I know if someone changes my PIN or uses my ATM?

To know if someone changes your PIN or uses your ATM card, you can:

  1. Set up alerts: Most banks offer SMS or email alerts for any changes made to your account, including PIN changes and transactions.
  2. Regularly check your account statements: Monitor your bank statements for any unauthorised transactions.
  3. Use mobile banking apps: These apps often provide real-time notifications for any account activity.
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