What to do when ATM PIN tries exceeded (for BDO and other Philippine banks)?

You may have forgotten your ATM PIN. When you enter an incorrect ATM PIN three times in an ATM machine, you will be temporarily blocked for 24 hours from accessing your ATM account in an ATM machine. That means, your ATM card is useless for 24 hours. You don't need to worry. It's just temporary. After 24 hours lock-period, you can use again your ATM card.

But what should you do when ATM PIN tries exceeded or after you enter wrong ATM PIN three times?

When you really need money so bad, the best thing to do is to go inside the bank and withdraw money or transact over-the-counter.

If you want to unlock your ATM card and use your ATM card within the day, you can call the customer service hotline number of the bank and request for unlocking your ATM card. But you must be aware of the cost of the call and the duration of the call. It might take you 10 minutes to call the customer service.

If you want free, just go inside the bank and withdraw or transact. It's free to withdraw over-the-counter.

If you forgot your ATM PIN, you can ask for help in the bank. Some banks like BDO (Banco de Oro) requires you to replace your ATM card if you forgot your ATM pin. So you must take good care of your ATM PIN. Keep a hard copy of it in a secure and private place.

Why do banks limit the ATM PIN tries?

Banks limit ATM PIN tries up to three times to minimize unauthorized access of your ATM card. If banks don't limit that, it will be easy to guess your ATM PIN for several tries. Most ATM PIN correspond to birthdates or special dates.

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