
The answer depends on the lock, not the safe. An electronic keypad safe that opens on its current code can usually be recoded by its owner in minutes, from the keypad or a program button inside the door. A mechanical dial cannot: a new number is set by holding the wheels at the old combination and turning a change key in the back of the lock, door open, which is a safe technician's job. Either way the new combination is tested with the door open, repeatedly, before it is trusted.
People describe every safe as having a combination, but four different mechanisms hide behind the word, and the procedure changes completely between them.
Many safes combine two: a keypad plus a key override, or a dial plus a key. If yours has both, changing the code and leaving the override key in the desk drawer has changed nothing.
A safe code is not a password to rotate for its own sake, but there are moments when leaving it alone is the mistake.

The exact sequence varies by manufacturer, so the manual or the label inside the door is the authority. The method does not vary, and the order below is what prevents the lockout that follows a botched code change.
If the keypad does not accept the current code, or it beeps and refuses to enter programming, stop. Repeated wrong entries put many locks into a timed penalty lockout, and continuing to guess extends it. That is also the point where a code change becomes a safe that will not open.
A dial combination is not stored in a chip. It is the physical position of gates in a stack of wheels behind the dial. To change it, a technician dials the existing combination to a change position, inserts a change key through the back of the lock body, rotates it to release the wheel pack, dials the new combination, and returns the key. The door has to be open and the bolt retracted throughout, and the lock is tested through several full cycles on the open door before the safe is closed.
Three things follow from that, worth knowing before you call anyone.
Good dial locks last decades, which is why so many New York safes still have them, and why whoever set the combination is often long gone. Choosing between a dial and a keypad is covered in how to choose a safe in NYC.
We recode dial and electronic safe locks, service failing mechanisms, and open safes for verified owners across Brooklyn, Manhattan, Queens, the Bronx, and Staten Island. Licensed, insured, and available 24 hours.
Almost every safe lockout we attend after a recoding attempt comes from one of these.

For a shop, restaurant, salon, or clinic, the combination is a staffing question as much as a hardware one. Use the manager and user codes as designed: the manager code stays with the owner and out of daily use, while staff work on a user code that can be changed on any departure without a technician. Where a safe supports several user codes, give each person their own, so one leaver does not force everyone to relearn a number.
The habits matter more than the model. Change the code the day someone leaves, keep a short list of who currently knows it, and never enter it in front of a queue or under a camera staff can review. Businesses holding stock or cash overnight should read this alongside safes and vaults for NYC businesses and access control for a small business.
A safe technician comes to the safe, because safes do not travel: heavy, frequently bolted down, and often in a basement, a back office, or a walk-up closet. Access and stairs matter here, and a safe wedged into a tight closet may need its door opened against a wall before the back of the lock can be reached at all.
Time and cost come down to the lock type, whether the safe is open, how it is installed, and whether the mechanism is sound. A keypad recode on an open safe is quick. A dial recode is careful bench-grade work done on your floor. Opening a safe nobody can get into is a different service, described in locked out of a safe, and it always starts with establishing that the safe is yours. The same ownership standard applies to bank boxes, which are not ours to open at all: see a lost safe deposit box key.
On an electronic keypad safe, usually yes. If you know the current code and the safe opens, the user code is changed from the keypad or a program button inside the door, and the manual gives the exact sequence. A mechanical dial is different: setting a new number means opening the safe, removing the cover on the back of the lock and using a change key, so that one belongs with a technician.
Because the numbers on a mechanical dial lock are not stored electronically. They are set by the physical position of slots in a stack of wheels, and the only way to move those slots is a change key inserted through the back of the lock body while the wheels are held at the old combination. The key is specific to the lock, and it is not the key you open the safe with.
Assume the previous owner, their staff, and whoever sold it to you still know the combination, and change it before anything of value goes in. Assume the factory code is live too, because on many secondhand digital safes it was never removed. Have the lock checked at the same time: a used safe with a worn dial, a stiff handle, or no service history is the one that locks shut on you.
Whenever the list of people who know it changes, and on a set schedule besides. That means on any departure of someone who had the code, after a contractor or cleaner has had access to the room, and at a regular interval even when nothing has happened, because codes get shared, written down, and watched at the keypad. Keep the manager code separate from the day-to-day user code so turnover does not need a technician each time.
Then this is a safe opening rather than a combination change, and the two are priced and performed differently. A technician opens the safe, and the combination is set afresh afterward, usually with a new lock if the old one is the reason it will not open. Expect to prove the safe is yours before anyone works on it. Emergency Locksmith NY answers 24 hours a day at (718) 412-1332.