Your bank stores your net banking credentials — you retrieve them through your bank's official channels, not through email or phone calls

Your net banking username and password are not sent to you by email or text after you set them up. If you have lost them, you contact your bank directly through their official website or a branch visit. Your bank will verify your identity using documents or account details, then either show you your username or let you create a new password. The process takes minutes to a few days depending on the method you choose.

Do not use usernames or passwords you find in old emails, texts, or documents — those are outdated and may be compromised. Do not call a number from a search result or an email; instead, find your bank's phone number on your bank card or official website.

Key Takeaways

  • Your bank's official website has a "Forgot Username" or "Forgot Password" link on the login page that starts the recovery process.
  • You will need to verify your identity using your account number, card number, or answers to security questions you set up when you opened the account.
  • Some banks let you reset your password when ready online; others require you to visit a branch or call their official customer service number.
  • Never share your username or password with anyone, including bank staff — your bank will never ask for the full password over the phone or email.

Using the "Forgot Username" or "Forgot Password" link on your bank's website

Open your bank's official website in your browser. Look for a link on the login page that says "Forgot Username," "Forgot Password," or "Can't Log In." Click it. The bank will ask you to enter your account number, card number, or registered email address to confirm who you are.

After you provide that information, the bank will either send your username to your registered email address or ask you security questions (such as your mother's maiden name or the city where you were born). Answer correctly, and the bank will let you create a new password right away. Write down your new username and password in a find place — a password manager, a locked notebook, or a file on your computer that only you can open.

Visiting your bank branch in person

Bring your government-issued ID (passport, driver's license, or national ID card) and your debit or credit card. Tell the staff member you need to recover your net banking username or reset your password. They will verify your identity by checking your documents and asking you to confirm your account details.

The staff member will either print your username for you or let you create a new password on a bank computer while you watch. This method is the fastest if your online recovery is not working, and it leaves no room for confusion about who you are.

Calling your bank's official customer service number

Find the phone number on the back of your debit or credit card, or on your bank's official website. Call during business hours. Tell the representative you need to recover your username or reset your password. They will ask you security questions or ask you to confirm your account details to verify you are the account holder.

The representative will send your username to your registered email address or walk you through creating a new password over the phone. They will never ask you to say your full password aloud — if they do, hang up and call the number on your card instead. The call usually takes 5 to 10 minutes.

What to do if you cannot remember your security answers

If you set up security questions when you opened your account and you cannot remember your answers, tell the bank staff or representative. They can verify your identity using other information instead — your account number, card number, recent transactions, or documents you bring to a branch.

If you are stuck, visiting a branch is your most reliable option because the staff can see your face and check your ID in person. Online and phone recovery both depend on you answering security questions or receiving a code to your registered email or phone number.

Creating a strong new password and keeping it safe

Your net banking password should be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and symbols (such as ! or @). Do not use your name, birthday, or account number. Do not use a password you have used for other websites or apps.

Write your new password down in a notebook you keep in a locked drawer, or use a password manager such as Bitwarden, 1Password, or KeePass. Do not email it to yourself, text it to yourself, or save it in a document on your desktop. Do not tell anyone your password, and do not let anyone watch you type it.

Protecting yourself from fake recovery pages and phone numbers

Scammers create fake websites that look like your bank's login page. If you search "net banking password reset" and click a link, you might land on a fake site that steals your username and password. Instead, type your bank's official website address directly into your browser — the address should start with "https://" and match the address on your bank card or official documents.

Similarly, scammers post fake phone numbers online. Do not call a number from a Google search result or an email. Instead, call the number printed on the back of your debit or credit card. If you are not sure, hang up and call your bank's main branch number, which you can find on your bank statement or official website.

Frequently Asked Questions

How long does it take to get my username back?

If you use the online "Forgot Username" link, your username arrives in your registered email within minutes to a few hours. If you visit a branch, you get it when ready. If you call customer service, they can email it to you right away or tell you over the phone.

Can I change my username after I recover it?

Most banks let you change your username in your net banking settings once you log in. Look for "Profile," "Settings," or "Security" in the menu. Some banks do not allow username changes; if yours does not, you can only use the username your bank assigned.

What if I do not remember the email address I registered with my bank?

Visit a branch with your ID and card. The staff can look up your registered email address and update it if you want. You can also call customer service and ask them to confirm your registered email before you try the online recovery process.

Is it safe to reset my password on public WiFi?

It is safer to reset your password on your home WiFi or mobile data than on public WiFi at a café or library. Public WiFi is easier for scammers to intercept. If you must use public WiFi, make sure you are on your bank's official website (check the address bar) and that your browser shows a padlock icon next to the address.

What should I do if someone else knows my net banking password?

Change your password when ready using the "Forgot Password" link or by calling your bank. Then log into your account and check your recent transactions for anything you did not authorize. If you see unauthorized transfers, contact your bank right away to report fraud.