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IOB Change UPI PIN

IOB offers its customers an option to use their mobiles for performing financial transactions from their bank accounts using UPI (Unified Payments Interface). This facility is available to all IOB customers who can use UPI for performing financial transactions on mobile.


As per IOB UPI policy you must create your own IOB UPI PIN before performing any transaction. Once your UPI PIN is generated, if you want to change your PIN then you can use our mobile app. Changing Indian Overseas Bank UPI PIN is very easy and you can do it online via our mobile app.


After downloading our app, you can enter your existing IOB UPI PIN and then enter the new PIN that you want to create. Your Indian Overseas Bank UPI PIN will be changed and updated with your bank.


After changing 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. Mobile recharge & mobile post-paid bill payment
  4. DTH recharge
  5. Electricity bill payment
  6. Gas bill payment
  7. Credit card bill payment
  8. Mediclaim (Health Insurance) premium payment
  9. Buy insurance
  10. Donate money
  11. Book fixed deposit

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How to change 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 IOB accounts will be registered and activated for BHIM services
  5. Select Change IOB UPI PIN option
  6. Enter your current UPI PIN
  7. Enter new UPI PIN you want to set
  8. Confirm UPI PIN again
  9. Your new UPI PIN will be registered with IOB and you can now use your new UPI PIN to perform financial transactions on your mobile

This completes the process of changing IOB UPI PIN and now you can start performing Indian Overseas Bank UPI transactions such as account balance check, transfer money to anyone in India, payments, recharge, bill payment, etc.

Change UPI PIN Service Features


Change IOB UPI PIN online

Instead of visiting IOB branch or ATM, you can easily change UPI PIN online. Our easy to use mobile app enables you to change your PIN from the comfort of your home and completely online.

24x7 service

IOB change UPI PIN service is available 24x7 and you can use the facility to change Indian Overseas Bank UPI PIN whenever you need. This ensures that whenever required you can easily change your PIN and keep your accounts 100% secure.

Mandatory for each transaction

As per IOB UPI policy, using Indian Overseas Bank UPI PIN is mandatory during each transaction. Doing so ensures that whenever you are performing any transaction from your IOB account, you use your UPI PIN to authenticate yourself. Without your authorization transaction will not be processed. This keeps your IOB account completely safe.

Reset UPI PIN

If you have forgotten your existing PIN and want to reset it to a new PIN then you can easily do so online via our mobile app. Using this facility, you can easily reset UPI PIN and create a new UPI that you want to set.

Online UPI PIN Change Service Benefits

One can enjoy multiple benefits from IOB UPI PIN Change service:

Time saving: You can save a lot of time by using online change IOB UPI PIN facility as the entire process of changing IOB BHIM PIN is completely online and can be performed 24x7. You don’t have to visit the branch or ATM for changing your UPI PIN.

Security: All IOB UPI transactions are 100% secure due to linking of your account on your mobile number and your UPI PIN. Transactions will be successful only if you enter your correct PIN.

Multi Purpose: By using Indian Overseas Bank UPI facility you can perform a number of transactions like account balance check, fund transfer, recharge, bill payment, etc. This helps you perform all banking transactions in one single place, thereby helping you easily manage your IOB account.

Security of Change UPI PIN Service

IOB Change UPI PIN service is fully secured in 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. To use Indian Overseas Bank BHIM services, you have to create a new UPI PIN using your debit card
  3. To perform financial transactions you have to use your IOB UPI PIN. Without this PIN, no transaction will go through
  4. You can also set up app password so that no one can even open the app without knowing your app password
  5. You can also create a PIN or pattern lock for your phone so that no one can open your mobile

Timing of Change UPI PIN Service

  • As banking is extremely crucial in day to day life, IOB UPI services can be used on all days, including Saturday and Sunday
  • Main benefit of IOB BHIM is that you can use it at night as well
  • For your convenience, the UPI facility is available even on bank holidays and public holidays
  • The BHIM services are available throughout the year

Eligibility for using UPI PIN Change Service

To use IOB Change UPI PIN 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 Indian Overseas Bank
  • You should have Android or iPhone mobile phone
  • You should have an internet connection either via SIM card or WiFi

Limitations of UPI PIN Change Service

Please keep in mind the following limitations of IOB UPI PIN Change service:

  • It will not work if your mobile number is not registered with IOB
  • Without Android or iPhone mobile phone, it will not work
  • Without internet connection, it will not work
  • One can only transfer upto Rs. 1,00,000 per day per Indian Overseas Bank account under UPI facility

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