Debit Cards are important to seamlessly conduct transactions from your bank account. Whether it's about making online payments while shopping, making offline payments on merchant stores or withdrawing and depositing cash in your bank account – Debit Cards serve as a very convenient tool. Whenever you open a new bank account. apply for a new Debit Card or get your Debit Card renewed, the card gets delivered to your address and you need to activate it thereafter. But how to activate a Debit Card? Let’s find out!
How to activate Debit Card?
When you receive your Debit Card, you will also find a manual or leaflet that contains directions as to how you can activate it. There are multiple ways in which you can activate your Debit Card. It can be done by either visiting your nearest bank ATM or even online through phone banking. Let’s understand different ways of how to activate Debit Card in step by step manner.
How to activate new Debit Card via ATM?
Here’s how to activate an ATM Card via ATM in the following few steps:
1.Visit the nearest ATM of the bank whose card you have applied for.
2.Click on ‘Set PIN’.
3.You will receive an activation code on your registered mobile number.
4.Enter this code along with other account details.
5.Set your Debit Card PIN when it is asked on the screen. The new PIN will get activated immediately following which you can begin using your Debit Card.
Activating ATM Card online
Here’s how to activate debit card in mobile using the mobile banking application of the card issuing bank. Here’s how you should proceed:
1.Log in to the mobile banking app and click on the ‘Home’ button on the top left corner.
2.Search for the Debit Card option.
3.Select the ‘Set / Reset PIN’ option.
4.Select your Debit Card and enter a new 4 digit PIN and re-enter the same. Type the M-PIN to authenticate the same.
How to activate your Debit Card in a contactless manner?
Here’s how to activate a Debit Card online in a contactless manner through Net Banking facility.
Following are the detailed steps for the same:
1.Login to your Net Banking account. Search and select the ‘Cards’ option on the dashboard.
2.Go to the ‘Debit Cards’ option and choose the ‘Change PIN’ option.
3. Enter the 4 digit PIN of your choice and submit the same.
4.You will receive an OTP on your registered mobile number to authenticate the transaction.
5.Once approved, you will receive an SMS notification confirming the setting up of a new PIN.
How to activate Debit Cards by phone banking?
Wondering how to activate ATM Card through SMS? You can activate the Debit Cards using the phone banking facility as well. Here’s how you can do the same:
1.Call your bank’s phone banking number using your registered mobile number. Opt for the Debit Card services and choose the option to generate a PIN. Generate the activation password and enter your card details i.e., Debit Card number, expiry date and date of birth.
2.After you receive the ATM Card activation number, you should dial your bank’s phone banking number again. Select the option to generate a PIN. Again enter your card details and this time, enter the activation code as well. Generate a new PIN. You will receive the PIN details through SMS.
Generating 3D secure PIN
If you find it difficult to remember your static 3D secure password, then you can opt to authenticate your transactions using the One Time Password (OTP). It is one of the most convenient and secure options for online payments. You can either generate OTP during the transaction or opt for pre-generated OTP before the transaction.
Also Read: Virtual debit card: The future of card payments
Select the right Debit Card
Obtaining and activating the card becomes seamless if you select the right Debit Card. Axis Bank offers a variety of different Debit Cards, each with its own features and benefits. Apart from the normal Debit Card services, you also enjoy the benefits like rewards, cashback and exclusive discounts with partner merchants. Explore Axis Bank Debit Cards now.
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.
FAQs
Finally, you can activate your debit card at your bank's nearest ATM. Here's how: Take the debit card and its pre-assigned four-digit PIN to your bank's ATM. Insert the debit card in the ATM and use the PIN provided by the bank.
How do you activate a debit card at the ATM? ›
Finally, you can activate your debit card at your bank's nearest ATM. Here's how: Take the debit card and its pre-assigned four-digit PIN to your bank's ATM. Insert the debit card in the ATM and use the PIN provided by the bank.
How can I activate my ATM card without going to the bank? ›
Step 1: Contact the customer care number of the ATM card bank provider. Step 2: Provide the phone banking PIN you have received in your welcome kit. Step 3: Enter a unique four-digit PIN according to your choice to activate your card.
Do I need a PIN number to activate my debit card? ›
Note: PIN may be required when activating your debit card. If you don't already have a PIN, it would have been mailed to you separately from your card.
How do I activate my ATM without a PIN? ›
The Debit Card must be activated within a time period, or else the PIN number given by the bank becomes invalid. Once the PIN number becomes invalid, the Debit Card can only be activated by Phone Banking or by visiting the branch personally.
What number do you call to activate a debit card? ›
Calling to Activate the Card
New debit cards often have a sticker on the front that gives you a number to call to activate the card. If your card doesn't have this, call the customer service number provided on the back of the card. Follow the prompts to enter the required information.
What happens if ATM card is not activated? ›
Failing to activate your debit card will prevent you from using it for various transactions such as ATM withdrawals or making purchases that require debit card information. Additionally, an unactivated card can pose a security risk if it is lost or stolen.
Where is the 4 digit PIN on a debit card? ›
Your ATM PIN is never written or printed on your debit card for security reasons. Instead, banks provide it to you separately through secure channels. By following these guidelines and keeping your ATM PIN confidential, you can ensure the security of your financial transactions in the Indian context.
How to activate an ATM card through SMS? ›
Step 1: Send an SMS to 567676 with the text 'PIN XXXX ABCD' where XXXX is the last four digits of your ATM card number and ABCD is the last four digits of your bank account number linked to your SBI card. Step 2: You will receive a PIN and OTP on your mobile. The OTP will be valid for only 2 days.
What happens when you bypass the PIN on a debit card? ›
Some machines have a “bypass PIN” option, which turns the transaction into signature debit. Processing a debit card in this manner causes the transaction to be routed through Visa, Mastercard or Discover's interchange instead of through a PIN debit network.
If you've forgotten your debit card PIN, some banks may offer a way to retrieve it through their website or app. You can also call a customer care representative, or find a local branch for help. You'll probably still need to verify your account ownership and may be directed to reset the PIN for security reasons.
How can I withdraw money from ATM without PIN number? ›
You must add a beneficiary to your account to withdraw money from an ATM card without a PIN. After that, you must log in to your online banking account, select the 'Cardless Cash Withdrawal' option under 'Fund Transfer', select your bank account and beneficiary details and enter the amount to transfer.
How to activate an ATM card in a mobile phone? ›
Activating ATM Card online
- Log in to the mobile banking app and click on the 'Home' button on the top left corner.
- Search for the Debit Card option.
- Select the 'Set / Reset PIN' option.
- Select your Debit Card and enter a new 4 digit PIN and re-enter the same. Type the M- PIN to authenticate the same.
When you put a debit card into an ATM, you cannot withdraw money, check your account balance, or do anything else without entering the PIN associated with the card. Similarly, when you run a debit card through a POS card reader, you may also have to enter the PIN to complete the transaction.
Can you activate a new card at an ATM? ›
Locate a cash machine
Make a PIN transaction, such as a cash withdrawal, or balance enquiry at a cash machine and your new card will be automatically activated.
How do I request to activate my ATM card? ›
Dear Sir/Madam, I am writing to request the activation of my ATM card associated with my savings account [Account Number: XXXX]. I recently received the card and would like to start using it for withdrawals and other banking transactions.
How to know if a debit card is activated? ›
You will typically receive a confirmation message or email once your debit card is activated. Additionally, you can try making a small purchase or check your account balance and transaction history to confirm if your debit card is activated.
How to generate an ATM PIN in an ATM machine? ›
How to Generate a Debit Card PIN?
- Step 1: Open the sealed envelope containing your 4-digit PIN provided by the bank.
- Step 2: Insert your debit card into the ATM.
- Step 3: Enter your debit card number and ATM PIN.
- Step 4: Follow the prompts to create a new ATM PIN.
- Step 5: Enter your new ATM PIN.
