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IOB UPI PIN - Create & Reset

IOB provides UPI (Unified Payments Interface) service using which you can quickly and easily access your IOB accounts on your mobile and perform financial transactions. IOB UPI is a very useful service so that you can perform all financial transactions directly on your mobile instead of visiting the branch or ATM.

But to perform transactions via IOB UPI you have to create a secure banking PIN called as the IOB UPI PIN. This PIN helps you perform all financial transactions on your mobile and keeps your account safe as without knowing your UPI PIN no one can transact from your account.

To generate IOB UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your Indian Overseas Bank UPI PIN online using our mobile app. After downloading our mobile app you can immediately create UPI PIN for your bank account and instantly start performing financial transactions from your IOB account.

You can perform following types of transactions after creating IOB UPI PIN:
  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. One SMS will be sent from your phone to verify your mobile number
  3. Select IOB for BHIM registration
  4. All your bank 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 your Indian Overseas Bank UPI registration process is complete and you can start performing BHIM UPI transactions 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

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

Following are the benefits of using IOB UPI PIN service:

Saving Time: You can save a lot of time by generating IOB UPI PIN on mobile using our app instead of visiting the branch or ATM. This helps you quickly create your own UPI PIN on your mobile and then you can instantly start performing transactions using UPI.

Security: All IOB UPI transactions are 100% secure due to linking of your account on your mobile number and your Indian Overseas Bank UPI PIN. Transactions become successful 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.

Security of UPI PIN

IOB 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 transaction 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

UPI PIN Creation Services Timing

  • 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

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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