And from there, with variable lengths ranging from L to H, S(L, H) = 5/4 * 9 ^(L-1) * (9^(U-L+1) - 1)
So if the bank allows combinations from 4 - 6 digits, there would be a total of 663390 combinations to choose from.
Now, of course, the bank may decide to go from decimal to hexadecimal in the future - or maybe, there systems allow only duodecimal. In any case, the formula can be generalized further to account for all number systems - with B being the base of the system:
S(L, H, B) = (B/(B-2)) * (B-1) ^(L-1) * ((B-1)^(U-L+1) - 1)
This is only defined for B > 2 - in binary system, there's only ever two combinations which fit the constraint
"1111" would just leave a fingerprint on a single key, for example, and only one possible PIN (or maybe 3, if the bank/card allows 6 digit PINs).