Got your new SBI debit card but not sure how to set the PIN? Or maybe you forgot your existing PIN and need to reset it quickly?
Either way, you are in the right place.
State Bank of India gives you five different ways to generate or reset your debit card PIN through the YONO app, net banking, ATM, SMS, or a simple phone call. All of them are free, and most take less than five minutes. You do not need to visit a branch for any of them.
This guide covers every method with clear steps, verified from SBI's official sources, so you can pick what works best for you and get your card working right away.
Your SBI debit card does not work straight out of the envelope. A 4-digit PIN is required before you can use it whether you are withdrawing cash at an ATM, swiping at a shop, or making online transactions. Without it, all three are blocked.
If you have a new card, SBI expects you to generate the PIN within 24 hours of receiving it. If you already have a card but forgot the PIN, you can reset it using any of the methods below without losing your card or your account access.
This is the most common method. You do not need internet access just your debit card and your registered mobile number nearby.
Step 1: Insert your SBI debit card at any SBI ATM.
Step 2: Select the "PIN Generation" option from the screen.
Step 3: Enter your 11-digit bank account number and press Confirm.
Step 4: Enter your 10-digit registered mobile number and press Submit.
Step 5: SBI will send a Green PIN (OTP) to your registered mobile. This OTP is valid for 2 days.
Step 6: Take your card out and re-insert it. Select "Banking" from the main menu.
Step 7: Choose your preferred language. Enter the OTP you received.
Step 8: From the transaction menu, select "PIN Change".
Step 9: Enter your new 4-digit PIN. Enter it again to confirm.
Step 10: A confirmation message will appear on screen your PIN is now active.
Tip: The Green PIN sent by SBI is a one-time temporary password. It is not your actual PIN. You use it to set your actual PIN at the ATM.
If you have the YONO SBI app on your phone, this is the fastest and most convenient option. No ATM visit needed.
Step 1: Download the YONO SBI app from Google Play Store or Apple App Store if you have not already.
Step 2: Log in using your MPIN or internet banking credentials.
Step 3: On the home dashboard, tap "Cards".
Step 4: Select "My Debit Cards" from the options.
Step 5: Tap "Set / Reset ATM PIN".
Step 6: Enter your new 4-digit PIN and confirm it by entering it again.
Step 7: SBI will send an OTP to your registered mobile number. Enter it and tap "Submit".
Step 8: A confirmation screen will appear. Your PIN is ready to use immediately.
Already use SBI's internet banking portal? You can set your debit card PIN from there without any app or ATM visit.
Step 1: Go to the SBI net banking portal and log in with your username and password.
Step 2: Click on "e-Services" in the top menu, then select "ATM Card Services" (also listed as "Debit Card Services").
Step 3: On the next page, select "ATM Card / Debit Card".
Step 4: Click on "ATM PIN Generation".
Step 5: Choose either "Using OTP" or "Using Profile Password" to verify your identity.
Step 6: Complete the verification by entering your OTP or profile password.
Step 7: Select your account number and debit card from the dropdown menus. Click "Submit".
Step 8: Enter the first 2 digits of your new PIN on screen. The remaining 2 digits will arrive via SMS on your registered mobile.
Step 9: Enter those last 2 digits from the SMS and click "Submit" to complete.
Note: With net banking, your PIN is split across two inputs for additional security 2 digits on screen, 2 digits via SMS.
No internet, no ATM nearby? The SMS method works from any basic mobile phone as long as your number is registered with SBI.
Send this message from your registered mobile number to 567676:
PIN
Example: If your debit card ends in 4521 and your account number ends in 8839, type:
PIN 4521 8839
After sending this SMS, SBI will reply with a Green PIN (OTP) valid for 2 days. Take this OTP to any SBI ATM, insert your card, select PIN Change, and set your actual PIN.
If none of the above methods are available to you, call SBI's customer care from your registered mobile number.
SBI customer care numbers for PIN generation:
Step 1: Call any one of the numbers above.
Step 2: Select the option for ATM or debit card services from the IVR menu.
Step 3: Enter your 16-digit debit card number when prompted.
Step 4: Enter your account number linked to the debit card.
Step 5: Confirm the account number again.
Step 6: SBI will send an OTP to your registered mobile. This OTP is valid for 2 days.
After getting the OTP, visit any SBI ATM, insert your card, enter the OTP when prompted, and set your new 4-digit PIN.
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Forgot your existing PIN? The reset process works exactly the same as the generation methods above. You do not need your old PIN to create a new one.
Use any of the five methods ATM, YONO app, net banking, SMS, or customer care and follow the same steps. The system will ask you to verify your identity through OTP, and you can then set a completely new PIN.
For a quick reset, the YONO app is the easiest. For users without internet, the SMS or ATM method is the most accessible.
Method
Internet Required
ATM Visit
Time Taken
YONO App
Yes
No
2–3 minutes
Net Banking
3–5 minutes
ATM
5–10 minutes
SMS
Yes (for final step)
OTP within minutes
Customer Care
Your PIN is the only thing standing between your account and an unauthorised transaction. A few simple habits make a big difference:
Never share your PIN with anyone not with bank staff, family, or anyone calling claiming to be from SBI. SBI never asks for your PIN over the phone.
Do not use predictable numbers like 1234, 0000, or your birth year. Pick four digits that are not obvious.
Cover the keypad when entering your PIN at any ATM or point-of-sale machine.
Change your PIN every few months if you use your card heavily, especially for online transactions.
If your card gets lost or stolen, block it immediately through the YONO app under Cards → Block Card, or call customer care at 1800 11 2211.
Yes. Using the YONO app or net banking, you can set your PIN entirely from home. SMS and customer care also work without a branch visit, though those methods require a final ATM step to set the actual PIN.
The Green PIN is a one-time password SBI sends to your registered mobile when you request a PIN through SMS, ATM, or customer care. It is not your actual debit card PIN it is a temporary code you use to create your actual PIN at an ATM. SBI introduced it as a paperless alternative to the old sealed PIN mailers.
Yes. The OTP sent for PIN generation is valid for 2 days. If you do not use it within that window, you will need to request a new one.
As many times as you want. There is no fixed limit on the number of times you can generate or reset your SBI debit card PIN.
All the online and offline PIN generation methods rely on your registered mobile number for OTP delivery. If your number is not active or has changed, visit your nearest SBI branch with your passbook and ID proof to update your mobile number first.
Yes. A new card does not work until you generate a PIN. SBI recommends completing this within 24 hours of receiving the card.
Yes, but you need to first register your internet banking credentials and link your account in YONO. Once that is done, PIN generation through the app takes about two minutes.
If your card is blocked after too many wrong PIN attempts, contact SBI customer care at 1800 11 2211 or visit your nearest SBI branch. Do not try to guess the PIN repeatedly it can lead to a permanent block on the card.
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