ndian Overseas Bank offers multiple secure ways to generate or reset your ATM PIN—free of charge and easily done through ATM, app, net banking, SMS, or customer care.
1. At an IOB ATM (OTP → PIN Workflow)
Step 1: Generate OTP
- Insert your IOB debit card into any Indian Overseas Bank ATM.
- Select “Generate/Set PIN” → “Generate OTP”.
- Enter your 11-digit account number and confirm.
- Submit your registered mobile number.
- You’ll receive the Green PIN OTP instantly—displayed on screen and via SMS.
Step 2: Set Your PIN
- Reinsert your card at any IOB ATM within 2 days.
- Choose Banking → PIN Change, enter the OTP received.
- Set and confirm your new 4‑digit PIN.
- You’ll receive confirmation on screen and by SMS.
2. Online via Internet Banking
- Login to your IOB Net Banking portal.
- Go to Card Services → Generate PIN for Debit Card.
- Enter the debit card number, CVV, and grid reference (if prompted).
- Submit the OTP (received via SMS) and set your new PIN.
- You’ll receive confirmation in portal and by SMS.
3. Via IOB Mobile App (IndOASIS)
- Open the IndOASIS app and log in.
- Navigate to Card Services → Set Debit Card PIN.
- Select the debit card, enter expiry date and OTP.
- Choose your new 4-digit PIN and confirm to complete setup.
4. SMS Method (OTP Only)
- From your registered mobile, send: nginxCopyEdit
PIN <last 4 digits of debit card> <last 4 digits of account number> - After successful validation, you’ll receive an OTP (validated for 2 days).
- Visit any IOB ATM within 2 days to set your PIN using the OTP.
5. Customer Care Help
- Call IOB customer support from your registered number.
- In IVR menu, select ATM & Prepaid Card Services → Generate Green PIN.
- Provide card and account details.
- You’ll receive an OTP via SMS—then set your PIN at any IOB ATM within 2 days.
Comparison Table
| Method | How to Use | OTP Required | Follow‑Up at ATM? | Notes |
|---|---|---|---|---|
| ATM Route | Generate OTP → then Set PIN via ATM | ✅ | Yes | Immediate OTP & PIN setup |
| Net Banking | Online via portal | ✅ | No | Fully digital PIN setup |
| Mobile App (IndOASIS) | Through card services menu | ✅ | No | Works on the app itself |
| SMS Generated OTP | SMS → receive OTP only | ✅ | Yes, at ATM within 2 days | No PIN set via SMS |
| Customer Support Help | Call IVR, get OTP | ✅ | Yes | Good backup when other options unavailable |
Security Tips & Best Practices
- Use only the registered mobile number for receiving OTPs.
- Choose a strong, random 4-digit PIN (avoid birthdays or simple sequences).
- Delete OTP message promptly after use.
- Use only IOB ATM, official net banking, or app channels for PIN setup.
- Never share OTP or PIN with anyone, even if they claim to be bank staff.
Final Thoughts
IOB’s Green PIN system offers you fast, secure, and branch‑free ways to generate or reset your debit card PIN. Whether you prefer ATM-based setup, mobile app, or net banking, the process is streamlined and protected. Just remember: if you choose OTP-only methods (SMS, phone), you must visit an IOB ATM within 2 days to finalize PIN setup.
