How To Activate Debit Card

10 Nov 2023

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Congratulations! You have just received your new debit card and you can’t wait to use it! Whether it's a replacement for an old card or your very first one, you're now on the path to making quick and easy transactions, while managing your finances smoothly. However, before you start swiping, tapping, or using your card for online purchases, you need to go through an important process. You need to activate your debit card in order to use it. In this blog, we'll walk you through the process of activating your debit card and provide you with some valuable tips to ensure a smooth experience.

But, before we proceed to the steps involved in activating a debit card, let us take a look at the purpose of card activation and things to keep in mind during debit card activation,

Purpose of Debit Card Activation

The purpose of debit card activation is to ensure the security of the card and the account it's linked to. When you receive a new debit card, it is typically inactive or "un-activated." You must complete the debit card activation process before you can use the card for transactions. Debit card activation helps prevent unauthorized use of the card. When a new card is issued, it is not yet associated with a specific account or individual. Activating it links the card to your bank account, ensuring that only the authorized cardholder can use it. Debit card activation also helps verify your identity to the bank or financial institution.

Also Read: A Comprehensive Guide to Different Types of Debit Cards in India

Instructions for ATM Card Activation

Activating your debit card is an important step in ensuring seamless transactions and easy access to your bank balance. Before you activate your debit card, there are certain instructions you must keep in mind. Double-check the card that you have received with the details given by the bank for discrepancies. Contact the bank immediately in case of any. While activating your card, make sure you are in a secure and private location. If you are activating your card online, do not activate your card over public Wi-Fi networks or on shared devices to protect your personal and financial information.

How to activate a new debit card?

There are 3 simple ways to activate your debit card, and you can choose the one that suits you best. While the steps taken in different banks may differ based on the bank policies and procedure, some steps remain common. Now, let us take a look at how to activate a debit card for online transactions.

Debit Card Activation at Bank of Baroda ATM :

Insert card in ATM machine.
Select ‘Manage Debit card’ option.
Select ‘Manage Channel’
Select your option from ATM/POS/E COM/Contactless

Debit Card Activation via bob World Internet (Net Banking) :

You may be wondering how to activate card for online transactions through net banking . Here are the steps you should follow to activate debit card for online transaction:

Log in to bob World Internet

Click on ‘Services’

Under ‘Card services’ click on ‘Set Daily Debit card ATM & POS/E COM limits’

Select ‘Customer ID’

Select ‘Card number’

Under Debit card mode details choose ‘International usage/Contactless usage/Online usage’

Debit Card Activation via bob World App (Mobile Banking) :

Just like online banking, you can activate your debit card with the help of phone banking in a few simple steps.

Click on Cards

Under Debit cards, click on view cards

Tap on the desired debit card

Click on ‘Manage’

Switch on ‘International usage/Contactless usage/Online usage’

Also Read: Understanding the Features & Advantages of Debit Card

Testing your Debit Card post activation

Testing your debit card after activation is a responsible and prudent step to ensure that it is working correctly, to detect any issues early, and to become more familiar with its usage. It contributes to both the security and efficiency of your financial transactions. In order to do this, you can make a small transaction, be it online or at the ATM, or even check your bank balance to see if it is working properly.


Activating your debit card is a simple yet crucial step in your financial journey. It ensures the security of your card and grants you access to a world of financial possibilities. By following the steps outlined in this guide and taking the necessary precautions, you can enjoy the convenience and security that your new debit card offers . Remember to keep your card and personal information safe, and regularly monitor your account to protect yourself from potential fraud. With an activated debit card, you're ready to make purchases, withdraw cash, and manage your finances with ease.

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    The contents of this article/infographic/picture/video are meant solely for information purposes and do not necessarily reflect the views of Bank of Baroda. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Bank of Baroda and/ or its Affiliates and its subsidiaries make no representation as to the accuracy; completeness or reliability of any information contained herein or otherwise provided and hereby disclaim any liability with regard to the same. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject Bank of Baroda or its affiliates to any licensing or registration requirements. Bank of Baroda shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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Bank of Baroda | Debit Card Enablement

Bank of Baroda | Debit Card Enablement

A Step-by-Step Guide to Setting Your New ATM Card PIN

Find out how to generate your ATM card PIN with the Bank of Baroda's step-by-step guide. Explore the activation process, choose a secure PIN, and get tips on keeping it safe. Read more about generating a new ATM PIN here!

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