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IOB UPI PIN - Create & Reset

IOB UPI (Unified Payments Interface) facility is designed to help IOB customers easily and safely perform financial transactions on their mobile. Hence after registering for IOB UPI you don’t have to visit the branch or ATM to perform banking transactions and can instead use your mobile and perform all types of financial transactions.


To keep your IOB account safe and secure while performing financial transactions on your mobile, you have to create a secure banking PIN for your IOB account. This PIN is called as the IOB UPI PIN and it helps you easily and safely perform financial transactions from your bank account.


IOB UPI PIN can be created online using our mobile app and you don’t have to visit the branch or ATM for generating your Indian Overseas Bank UPI PIN. After downloading our app, you can instantly create your UPI PIN and then immediately start performing banking transactions.


IOB UPI PIN allows you to perform below mentioned financial transactions on your mobile:
  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 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.

Features of UPI PIN


Create IOB UPI PIN online

Without visiting the branch or ATM, you can create your own UPI PIN using our mobile app. This feature enables you to create your own PIN on your own mobile, making it completely flexible and secure.

Separate UPI PIN for each IOB account

For customers who have multiple accounts with Indian Overseas Bank, they have to create separate UPI PIN for each account. As each account will have a separate PIN, you can be 100% assured about the safety of your account and can easily perform financial transactions using your IOB BHIM PIN.

Mandatory for any financial transaction

Most important safety feature of Indian Overseas Bank UPI is the use of UPI PIN during each transaction. This ensures that you have to use your secret banking PIN during each transaction and your transactions will go through only if you enter correct UPI PIN for every transaction. This ensures that your IOB account remains 100% safe and secure and no unauthorized personnel can transact on your behalf.

Easily recreate UPI PIN if you forget your old PIN

Sometimes you may forget your Indian Overseas Bank UPI PIN and may want to generate a new IOB BHIM PIN. For such cases, you can easily create a new UPI PIN using our app. You don’t have to visit the branch or ATM and can instead create a new UPI PIN directly on your mobile.

Easily change UPI PIN

Due to some reason if you want to change your IOB BHIM PIN then you can use our mobile app for instantly changing your Indian Overseas Bank UPI PIN. Your new PIN will be immediately registered in your IOB account and you can use it for performing financial transactions.

UPI PIN Benefits

There are many benefits to using IOB UPI PIN services such as:

Time saving: Using our mobile app you can create your own IOB UPI PIN online directly on your mobile. This helps you save a lot of time as you don’t have to visit the branch or ATM to generate your IOB BHIM PIN.

Security: All 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 UPI PIN.

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.

Security of UPI PIN

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

UPI PIN Creation Services Timing

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

Eligibility for using UPI PIN Creation Service

For using IOB create UPI PIN service you have to meet the following requirements

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

Create UPI PIN Service limitations

Following are the limitations of IOB Create UPI PIN service:

  • It will only work if your mobile number is registered with IOB
  • It will not work without an active IOB atm/debit card
  • It will not work without Android or iPhone mobile phone
  • It will not work without internet connection
  • You can only transfer upto Rs. 1,00,000 per day per Indian Overseas Bank account under UPI facility

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