The ATM PIN is used for withdrawing cash from an ATM or making payments at merchants where PIN entry is required instead of a signature (mostly abroad stores) .
KTC cardmembers can set an ATM PIN for each card, which can be used for both types of transactions.
Select KTC Card and "Card Setting" then select "Set ATM PIN"
Select OTP channel for creating an ATM PIN
Enter OTP
Select ATM PIN format: 6-digit or 4-digit
Create and confirm an ATM PIN
ATM PIN creation successful