The requirement of debit card details to make use of internet banking were made necessary for security reasons and to avoid false transactions.The debit card grid authentication ensures safety when it comes to the transaction activities of the customer. You can activate your net banking account without visiting a bank branch just by entering your debit card details. But users who don’t have debit card or ATM card details, have to visit their bank branch to complete registration for internet banking.

When a customer is registering for the first time, the user would have to visit the bank's official website to get registered. The user would have to fill in the necessary details to get their net banking account set. Then they can provide their debit card or ATM card details, generate an OTP and then they can enter the username and password which will be their credentials for their account.