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 "Card Services"
3. Tap on "Debit Card Services"
4. Tap "Manage Debit card Limit & Channel Update"
5. Select Radio Button beside Contactless/ Offline Wallet / ATM / POS / Ecom - As required
6. Tap "Domestic Limit" or "International Limit" for setting individual limit
7. Tap "Submit"
8. Check Review page for the changes made and click "Confirm"
9. Enter your mPIN to authenticate

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

1. Login to Net banking
2. Click "IOB Cards"
3. Expand "IOB Debit Card"
4. Click "Switch On/Off Channels"
5. Select desired Account Number attached to card and click "Submit"
6. Select debit card number from dropdown and click "Submit"
7. Select Radio Button beside Contactless/ Offline Wallet / ATM / POS / Ecom - As required, enter funds transfer PIN and click Submit
8. Enter OTP sent on your registered mobile number and click "Submit"
9. For setting individual limit for channels, after step 3, click "Set/Modify Daily Limits", and repeat step 5 to 8

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