How to Activate ATM/Debit Card

One of the easiest or older ways to activate a debit card is by visiting any of the nearest ATM of your card provider. Here are the steps that you need to follow:

Step 1: Visit any of the nearest ATMs and insert your debit card into the ATM.

Step 2: Enter the four-digit PIN that you have received in your welcome kit along with your debit card.

Step 3: Enter the debit card number and the ATM PIN.

Step 4: You will be asked to create a new PIN for your future transactions.

Step 5: Follow the instructions shown on the screen and enter the new PIN.

Step 6: Your card will be activated and you will see the notification on the screen.

You will also receive a message on your registered mobile number regarding the activation of your debit card.

To activate your debit card through net banking, you are also required to generate debit card PIN through online methods. Here’s how you can activate your debit card through net banking:

Step 1: Login to the net banking portal of your debit card issuer.

Step 2: Visit the ‘Debit Card’ section to activate your card.

Step 3: Select the option that says ‘Generate/ Create PIN’ to proceed with the same.

Step 4: Enter the required PIN as per the instructions shown on the screen.

Step 5: After this, follow the instructions given on the screen to activate your debit card.

After following all the steps, your debit card will be activated and you will receive a text regarding the same.

Just like net banking, you can also activate your debit card in a few simpler steps via phone banking. To activate your debit card via phone banking, you must receive a phone banking PIN along with your welcome kit. Follow the below-mentioned steps to successfully activate your debit card:

Step 1: Contact the phone banking number of your card provider.

Step 2: Enter the phone banking PIN you have received along with your welcome kit.

Step 3: Now, enter the desired four-digit PIN to activate your card.

Step 4: A confirmation message will be sent to your registered mobile number regarding the activation of your debit card.

Suggested read: How to Activate SBI Debit Card | How to Activate HDFC Debit Card

Apart from the above-mentioned ways, you can also activate your debit card through the below-mentioned ways:

• You can visit the nearest branch of the bank and request to generate an ATM PIN
• You can generate the ATM PIN via SMS by sending the message code provided to the specified number (if available)

Most of the banks give you a debit card when open your savings account. However, you can also apply for a debit card separately by contacting the bank which you have a savings account with. It is important to remember you must have a savings account with the bank in order to avail a debit card. Here are some of the top debit card providers in India:

Q. Is it necessary to activate a debit card immediately?

A. No, it is not mandatory to activate a debit card immediately. But it is advisable to activate your debit card as soon as you receive it as the PIN you received along with your welcome kit comes with an expiry date. So, you are required to activate your debit card before the PIN gets expired.

Q. I haven’t received a debit card when I opened my account. Can I apply for it?

A. Yes, most of the banks offer debit cards when you open your savings account. However, you can also apply for a debit card separately through online and offline ways. All you need to do is fill out an application form and the bank will send you a card as per your eligibility. You can also apply through the official website of your bank and choose a card as per your requirements.

Q. What to do if I lost the PIN that was received along with the welcome kit?

A. In case you have lost the PIN you received along with your welcome kit, you should inform the bank by calling on their customer care. You can ask the representative to send another PIN to your mobile number or to your address in order to activate your debit card. However, the bank may charge a nominal fee for generating the PIN again.