Steps to Activate Card, Set Green PIN, and enable E-commerce & International Transactions

Debit Card Activation & Green PIN Generation

Customers can activate their Debit Card and generate/set the ATM PIN (Green PIN ) through any of the following channels:

A. Through an IOB ATM

1. Insert your Debit Card at any IOB ATM.
2. An OTP will be sent to the registered mobile number.
3. Remove the Debit card and reinsert it.
4. Enter the OTP received.
5. Create and confirm your new 4-digit ATM PIN
6. Upon successful PIN generation, your Debit Card will be activated and ready for use.

B. Through IOB Mobile Banking app

1. Log in to the IOB Mobile Banking App.
2. Navigate to Cards and select the card.
3. Select the activate option and activate the card by authenticating with MPIN and OTP.
4. Select Set PIN option, for setting ATM PIN,
5. Create and confirm the Debit Card PIN by authenticating with MPIN and OTP.

C. Through IOB Internet Banking

1. Log in to IOB Internet Banking.
2. Navigate to Cards -> Debit cards
3. Select the relevant account number and card number.
4. Click Activate New Debit card to activate the card.
5. To set PIN, Select the card and click Set Green PIN.
6. Enter the Debit Card expiry date and desired PIN.
7. Create and confirm the Debit Card PIN by authenticating with transaction PIN and OTP.

Debit Card Replacement or Upgrade :

Replacement / Upgradation of your existing debit card can be done through Net Banking, IOB Mobile Application or through your account maintaining branch.

Lost or Stolen Card :

To avoid unauthorized usage of your debit card, you can mark the card as Suspended by the following methods

1. By visiting bank’s official website www.iob.bank.in
2. Through IOB Internet banking
3. Through IOB Mobile Banking Application
4. By calling Customer Care Toll free number : 18008904445 / 18004254445
5. By emailing to : atmcard@iob.bank.in
6. By reporting immediately to your account maintaining branch

Steps to enable e-com, Contactless and International Transactions in Debit Cards

As per RBI Circular on Enhancing Security of card transactions, all new debit cards are enabled only for domestic ATM and POS transactions by default. Ecom, Contactless and International transactions will be disabled for such new cards by default.

Customers can enable or disable any transaction channel and set transaction limits based on their requirements through the available banking channels.

 a) How to Manage Your Card Transaction Limits Using IOB Mobile Banking App :

1. Open IOB Mobile app and Login
2. On landing page, tap on "Cards"
3. Tap on "Debit Card details" and select the debit card
4. Tap "Manage"
5. Tap "Domestic Settings" or "International Settings" for setting individual limits.
6. Select Radio Button beside ATM / POS / Ecom/Contactless/NCMC-Offline Wallet .As required,enter funds transfer pin and click proceed.
7. Check Review page for the changes made and click "Confirm"
8. Enter your mPIN to authenticate

    b) How to Manage Your Card Transaction Limits Using IOB Net Banking

1. Login to Net banking
2. Click "Cards"
3. Expand "Debit Card"
4. Select desired Account Number.
5. Under “Actions” select “Manage Card”
6. International channel and contactless payment can be enabled and disabled by selecting the radio buttons provided.
7. For setting channel limits, select "Domestic limit" or "International limit" for setting individual limits
8. Select Radio Button beside Cash withdrawal / POS / Ecom - As required, enter the channel limit and click “Proceed”.
9. Enter OTP sent on your registered mobile number and transaction PIN and then click "Submit".

Customers can also visit home branch and submit application for enabling or disabling the card transaction channels, as required.