Forgot Your ATM PIN? Here's How to Change It

Forgetting your ATM PIN is a common occurrence that can happen to anyone. However, finding yourself at an ATM unable to recall your PIN can be frustrating and stressful. This article will guide you on how to change your ATM PIN quickly and easily.

1. When Should You Change Your ATM PIN?

You should change your ATM PIN in the following situations:

• When you receive a new card: Typically, when you receive a new ATM card, you'll need to change the PIN for the first time to activate the card.

• When the bank's规定 period arrives: Some banks have regulations for periodically changing ATM PINs, for example, every 3 months, 6 months, or once a year. In such cases, you must change your PIN as per the bank's regulations to ensure the security of your account.

• When you suspect your PIN has been compromised: If you suspect that your PIN has been disclosed to someone else, you must change it immediately to ensure the security of your account.

• When your PIN is too simple: If your PIN consists of easily guessable numbers like your birth date, phone number, or repeating digits, you should change it to a more complex PIN to ensure account security.

• When you use someone else's ATM card: If you use someone else's ATM card, you should change the PIN to a new one to ensure the security of that cardholder's account.

Situations when you should change your ATM card PIN

2. What to Do When You Forget Your ATM PIN

Forgetting your ATM PIN is an unavoidable situation for many of us. If you've forgotten your PIN, don't worry, there are several ways to resolve this.

If you've forgotten your PIN, you should contact the bank that issued your ATM card to request a new PIN. Typically, banks may ask you to provide certain information such as your full name, ID card/Citizen ID number, date of birth, account number, ATM card number, etc., to verify your identity before providing a new PIN.

If you don't want to visit the bank to reset your PIN, you can use the bank's online PIN reset service (if available). To use this service, you'll need to log into your online banking account and follow the instructions to reset your PIN.

You should stay calm when you forget your ATM card PIN.

If you cannot visit the bank or use the online PIN reset service, you can call the bank's customer service hotline to request assistance with resetting your PIN. You will need to provide complete personal information and your ATM card number for support.

In some cases, if you still have your old ATM card, you can directly visit the bank that issued the card and use the service to set a new PIN.

These are some ways to resolve forgetting your ATM PIN. However, to avoid inconvenience and risks, you should remember your ATM PIN and store it securely.

3. How to Change Your ATM PIN

When you enter the wrong PIN on an ATM card, the payment transaction via a POS machine will not be completed. So, if you forget your ATM card PIN, contact the issuing bank for detailed instructions on how to retrieve your security code. Additionally, you can refer to the following methods:

• Call the hotline: Each bank has its own customer service hotline. You can call the hotline and request a new PIN. Before calling, prepare necessary information such as your full name, date of birth, ID card/passport number, permanent address, bank account number, bank card number, account balance, and the phone number registered with the card.

• Visit a branch/transaction office: With this method, you only need to bring your original ID card/passport to the bank during business hours (Monday to Friday). A staff member will provide you with a PIN reset request form and guide you on how to fill it out. After completing the form, sign it, hand it back to the staff, and receive your new PIN.

• Reset ATM card PIN via Mobile Banking: Log in to your bank's Mobile Banking application, select "Card Services" (Dịch vụ thẻ) > Choose "Issue/Change PIN" (Cấp/Đổi mã PIN). Enter personal information such as your phone number, card number, and account number. Enter the OTP sent to your phone to confirm. The bank will then send an SMS containing your new card PIN to your phone number. This PIN is only valid for 48 hours, and you'll need to go to an ATM to change it to a new password. Insert your ATM card into the machine, select your language, enter the newly provided PIN, and choose the "Change PIN" feature to complete the process.

4. Important Notes When Resetting Your ATM PIN

To avoid losing your ATM PIN, you should adhere to the following guidelines:

• Set a new password after retrieving your PIN. You should use numbers related to yourself or a memorable event, but avoid public, easily guessable numbers like your ID card number, birth date, or simple sequences (123456, 111111...) to prevent malicious individuals from exploiting them and draining your account.

• If you are prone to forgetting or have a poor memory, you can save your PIN in a special file that only you know. When recording it, you can encrypt it in your own unique way, for example, by inserting other characters into the number sequence that only you understand.

• Regularly change your ATM card PIN to ensure account security. You should change your password at least every 3 months and avoid using old passwords when setting new ones.

Use your hand to cover the keypad when entering your PIN.

Additionally, to protect your account, you should avoid using simple and easily guessable passwords, do not share your password with others, and do not store your password on public or insecure devices. If you suspect your ATM card has been stolen or misused, you should contact your bank immediately for support and to protect your account.

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This article has provided guidance on how to change your ATM PIN. We hope this information is helpful to you. Don't forget to follow VPBank's website for the latest offers!