You will need to use an ATM to generate the PIN of a debit card. When you get to the ATM, the first step is to carefully open the sealed envelope in which your card was delivered and get the 4-digit PIN that came with it. Insert the card into the ATM, enter the default PIN, and then create a new PIN as prompted. Follow the simple instructions and you would have generated a private PIN for your card. Note that with a virtual card you won’t have a PIN. You will need to use your fingerprint or FaceID connected with Google or Apple Pay instead.