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Dear customer, to make your atm transactions safer and more secure, otp will be sent to your registered mobile number, for all cash withdrawals of rs 10000 and above & for all transactions if iob atm finds difficulty to recognize emv chip on your card. please enter otp in atm and complete such transactions- iob

Update your online banking passwords regularly. Change them every three to six months to lower the odds of your password being stolen or decoded by hackers. And consider using a password manager.