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Karnataka Bank UPI PIN - Create & Reset

Karnataka Bank provides UPI (Unified Payments Interface) service using which you can quickly and easily access your Karnataka Bank accounts on your mobile and perform financial transactions. Karnataka Bank 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 Karnataka Bank UPI you have to create a secure banking PIN called as the Karnataka Bank 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 Karnataka Bank UPI PIN you don’t have to visit the branch or ATM and can instead quickly create your KBL 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 Karnataka Bank account.


You can perform following types of transactions after creating Karnataka Bank 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 Karnataka Bank UPI PIN:

  1. Download Cointab app for Android or iPhone
  2. Install app using mobile number which is registered in your Karnataka Bank account. One SMS will be sent from your phone to verify your mobile number
  3. Select Karnataka Bank for BHIM registration
  4. All your bank accounts will be registered and activated for Karnataka Bank 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 Karnataka Bank 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 Karnataka Bank and you can now use it to perform financial transactions on your mobile

After this your KBL 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 Karnataka Bank UPI PIN online

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

Separate UPI PIN for each bank account

For the safety of your KBL 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 Karnataka Bank UPI PIN for each transaction. As per UPI guidelines, you cannot perform any transaction without Karnataka Bank 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 Karnataka Bank account remains 100% secure.

Easily recreate Karnataka Bank UPI PIN if you forget your old PIN

In case you forget your old KBL 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 Karnataka Bank UPI PIN

If you want to change your KBL 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 Karnataka Bank account and you can use the new UPI PIN for performing financial transactions.

UPI PIN Benefits

One can enjoy multiple benefits from Karnataka Bank UPI PIN service:

Time saving: As Karnataka Bank 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 Karnataka Bank 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 Karnataka Bank UPI PIN. Transactions are processed as success only if you enter your correct UPI PIN. If you enter incorrect Karnataka Bank BHIM PIN then your transactions will fail.

Multi Purpose: KBL 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 Karnataka Bank account.

UPI PIN security

Karnataka Bank UPI PIN service is fully secured in the following ways:

  1. UPI registration for your Karnataka Bank accounts can only be done on your mobile due to linking of your mobile number with your bank account
  2. For using KBL 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 KBL 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

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

UPI PIN Generation Service Eligibility

In order to use Karnataka Bank UPI PIN generation service you must meet the following requirements:

  • A savings or current account with Karnataka Bank
  • Mobile number should be registered with Karnataka Bank
  • ATM/Debit Card associated with your KBL account
  • Android or iPhone mobile phone
  • Internet connection either via SIM card or WiFi

Limitations of UPI PIN Generate Service

Please keep in mind the following limitations of Karnataka Bank UPI PIN creation service:

  • It will not work if your mobile number is not registered in Karnataka Bank
  • You cannot use it if you don’t have a Karnataka Bank atm/debit card
  • 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 KBL account under UPI facility

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