The ATM card of the Bank of the Philippine Islands (BPI) has a built-in Personal Identification Number or PIN. The PIN is a security feature of the ATM card that prohibits unauthorized use of your ATM. Thus, someone who is not the owner or who doesn't know the PIN cannot use the ATM.
If you receive your new BPI ATM Card, you should change its PIN immediately. It will be deactivated if you do not change your temporary PIN after 2 banking days from date of receipt.
If your ATM is deactivated after 2 days of its release, there's still hope to activate it again.
How to activate ATM PIN in BPI?
Simple. Just visit any BPI branch and tell a bank officer in the Customer Service section to have your card reactivated. Just bring your valid id. The bank may require you to present a valid id to verify your identity.
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Why does BPI implement a 2-day ATM PIN change requirement?
Because BPI wanted to add more security to your ATM. Think about this. You have changed your PIN. After a week, you lost your ATM and your old default PIN printed on the paper (the one provided by the bank) and someone (with a bad motive) finds it? That person who found your ATM and PIN cannot use your ATM because you already changed the PIN in 2 days as required by the bank.
The other way around. Think about this again. You didn't change your PIN. After a week, you lost your ATM and your old default PIN printed on the paper and someone (with a bad motive) finds it? That person who found your ATM and PIN still cannot use your ATM or cannot withdraw the money because of BPI's security system that automatically deactivates your ATM if you cannot change your PIN after 2 days.
That's why it's very very important to change the PIN of your new BPI ATM card. That makes your BPI ATM card more secure.