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IOB UPI PIN - Create & Reset

IOB UPI (Unified Payments Interface) facility provides an easy and quick way to access your IOB account on your mobile and perform transactions from it. But in order to perform any financial transaction you need to create IOB UPI PIN for your account. This is a secure PIN which helps you safely perform transactions from your IOB account.

IOB UPI PIN can be created online and you don’t have to visit the branch or ATM for generating it. To create UPI PIN all you need is a debit or ATM card which is linked to your bank account. You can download our mobile app and then quickly create your Indian Overseas Bank UPI PIN and start performing transactions from your bank account.

After generating your IOB UPI PIN you can perform following types of transactions:
  1. Check account balance
  2. Instant fund transfer to anyone in India in real-time. Transfer upto Rs. 1,00,000 per day
  3. Credit card bill payment
  4. Electricity bill payment
  5. Gas bill payment
  6. Mobile recharge & mobile post-paid bill payment
  7. DTH recharge
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to create and reset your IOB UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your IOB account
  3. Select IOB for BHIM registration
  4. All your accounts will be registered and activated for IOB BHIM services
  5. Select Generate UPI PIN option
  6. Enter your debit card last 6 digits and expiry date
  7. You will get OTP from IOB for creating your UPI PIN
  8. Enter UPI PIN you want to set
  9. Confirm UPI PIN again
  10. Your UPI PIN will be registered with IOB and you can now use it to perform financial transactions on your mobile

After this step your Indian Overseas Bank UPI registration process is over. You can then immediately start performing all your banking transactions on mobile such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

UPI PIN Features

Create IOB UPI PIN online

Using our mobile app, you can easily create IOB UPI PIN for your bank account. You don’t have to visit the branch or ATM and can instead create your own IOB BHIM PIN online.

Separate UPI PIN for each bank account

For the safety of your Indian Overseas Bank accounts you have to create separate UPI PIN for each account. This ensures that all your bank accounts remain safe and secure and no authorized personnel can perform transactions on your behalf.

Mandatory for any financial transaction

The most important safety aspect of UPI is the use of IOB UPI PIN for each transaction. As per UPI guidelines, you cannot perform any transaction without IOB BHIM PIN. Hence without knowing your UPI PIN no one can transact from your account. So please do not share your UPI PIN with anyone, this will ensure your IOB account remains 100% secure.

Easily recreate IOB UPI PIN if you forget your old PIN

In case you forget your old Indian Overseas Bank UPI PIN then you can again use our mobile app to generate a new UPI PIN. This also can be done completely online and you don’t have to visit the branch or ATM.

Easily change IOB UPI PIN

If you want to change your Indian Overseas Bank BHIM PIN for any reason then you can easily do so using our app. All you have to do is enter your existing UPI PIN and then enter the new PIN that you want to set. Your new PIN will be immediately registered in your IOB account and you can use the new UPI PIN for performing financial transactions.

Benefits of UPI PIN

One can enjoy multiple benefits from IOB UPI PIN service:

Time saving: As IOB UPI PIN can be generated on your mobile using our app, you can save a lot of time which otherwise would have gone in visiting the branch or ATM to generate a banking PIN. After creating your own IOB BHIM PIN you can immediately start performing transactions using UPI.

Security: All UPI transactions are 100% secure due to linking of your account on your mobile number and your IOB UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect IOB BHIM PIN then your transactions will fail.

Multi Purpose: Indian Overseas Bank UPI allows you to perform multiple transactions such as balance check, fund transfer, recharge, bill payment, etc. so that in one single place you can manage your IOB account.

UPI PIN security

IOB UPI PIN service is fully secured in the following ways:

  1. UPI registration for your IOB accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using Indian Overseas Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. For performing any type of transaction you have to then use Indian Overseas Bank UPI PIN. No transaction will go through without this secure UPI PIN
  4. For additional security, you can also set up app password so that no one can even open the app without knowing your app password
  5. For enhanced safety, you can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of UPI PIN Generation Service

  • You can use IOB UPI services on all days, including Saturday and Sunday
  • IOB BHIM can be used at night as well
  • As banking is very crucial, you can use IOB UPI facility even on bank holidays and public holidays
  • You can use IOB BHIM services throughout the year

UPI PIN Generation Service Eligibility

To use IOB UPI PIN creation service you have to meet the following requirements:

  • You should have a savings or current account with IOB
  • Your mobile number should be registered with IOB
  • You should have a atm/debit card associated with your Indian Overseas Bank account
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Following are the restrictions in IOB generate UPI PIN service:

  • Your mobile number must be registered with IOB
  • It requires an active IOB atm/debit card
  • It requires Android or iPhone mobile phone
  • It will not work without internet connection
  • Transfer upto Rs. 1,00,000 per day per Indian Overseas Bank account are allowed under UPI facility

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