A1

One Time Password (OTP) is a security feature in DBS ec-banking. The OTP of DBS ec-banking is a password sent by us to your mobile phone number (registered with DBS Bank for this purpose) via Short Message Service (SMS). An OTP is required when you log on to DBS ec-banking or perform designated transactions.

A2

A3

When performing the following services through ec-banking, an OTP is required:

- Log on to DBS ec-banking
- Fund Transfer to Non-Registered Third Party Accounts
- Bill Payment related services to designated payees

	"Banking and Credit Card Services" category
	"Credit Services" category
	"Securities Broker" category
	"The Hong Kong Jockey Club"

- Update Personal Details
- Increase ec-banking Daily Limit

A4

You can register your mobile phone number to receive OTP in the following ways:

(a)	Registering online If you have not registered for OTP, we will ask you to register your mobile phone number to receive OTP when you log on to DBS ec-banking, and send you a Security Code to verify the mobile phone number you entered. Once you receive the Security Code, simply log on to DBS ec-banking and enter the code to complete the registration.
(b)	DBS ATMs (not applicable to customers who only possess DBS credit cards and/or Cashline cards) You may also register at DBS ATMs. Simply insert your DBS ATM card, enter your ATM PIN, choose "other" and then "OTP registration / update", and enter the mobile phone number you want to use to receive OTP. If your ATM card is a joint-named ATM card, please register your mobile phone number to receive OTP by visiting any of our branches in Hong Kong and filling in the DBS ec-banking Application Form.
(c)	DBS branches You may also register your mobile phone number to receive OTP by visiting any of our branches in Hong Kong and filling in the DBS ec-banking Application Form.

After successful registration, you will subsequently receive an OTP through your registered mobile phone number every time you log on to DBS ec-banking or perform any of the designated services.

A5

If you have lost your Security Code or it has expired, you will need to register your mobile phone number by other means in order to receive One Time Password (OTP):

(a)	DBS ATMs (not applicable to customers who only possess DBS credit cards and/or Cashline cards) You can register your mobile phone number to receive OTP at DBS ATMs. Simply insert your DBS ATM card, enter your ATM PIN, choose "other" and then "OTP registration / update" and enter the mobile phone number you want to use to receive OTP. If your ATM card is a joint-named ATM card, please register your mobile phone number to receive OTP by visiting any of our branches in Hong Kong and filling in the DBS ec-banking Application Form.
(b)	DBS branches You may also register your mobile phone number to receive OTP by visiting any of our branches in Hong Kong and filling in the DBS ec-banking Application Form.

A6

We use a Security Code to verify the mobile phone number you choose to receive One Time Password (OTP). Once you receive the Security Code, simply log on to DBS ec-banking and enter the code to complete the verification*. Before you enter the code, you can only enquire about your accounts, but cannot perform any transactions for security reasons. Once you enter the code, you can enjoy our full range of online functions, and also be able to receive OTP for greater security.

*You can also complete the verification at any of our branches or through DBS ATMs.

A7

Security Code will be delivered to you by either SMS or registered mail if your OTP registration was done online. 

You will be receiving your Security Code via SMS if the mobile phone number you provided during the OTP registration is already in the Bank's record(s).  However, if the mobile phone number you provided during the OTP registration is not in the Bank's record(s) or you are just a DBS credit card holder, you will be receiving your Security Code through registered mail instead.

A8

If you have lost your Security Code or it has expired, you will need to register your mobile phone number by other means in order to receive One Time Password (OTP):

(a)	DBS ATMs You can register your mobile phone number to receive OTP at DBS ATMs. Simply insert your DBS ATM card, credit card or Cashline card, enter your ATM PIN, choose "Donation/Other" and then "OTP registration / update" and enter the mobile phone number you want to use to receive OTP.
(b)	DBS branches You may also register your mobile phone number to receive OTP by visiting any of our branches in Hong Kong and filling in the DBS ec-banking Application Form.

A9

To update your mobile phone number to receive OTP, you may go to any DBS ATMs. Alternatively, please download and submit the DBS ec-banking Application Form to us.

A10

As long as you have a SMS-enabled mobile phone or device, you will receive transmission of an OTP.

A11

If you are overseas or using overseas mobile service providers, the service provider may not support receipt of international SMS. Please consult your service provider and /or hardware supplier for details.

A12

The OTP service is free if you receive an OTP via SMS in Hong Kong. If you are overseas or using overseas mobile service providers, your service provider may levy charges. Please consult your service provider for details.

A13

The OTP expires in 100 seconds after it is issued. If you are not able to enter the OTP and log on to DBS ec-banking before the OTP expires, you can click on "request a new OTP" on the OTP input page.

After logon, if you are not able to confirm the transaction before the OTP expires, you can request for a new OTP via the "One Time Password (OTP) Pending List" function under the "Customer Service" section, and enter the new OTP to confirm that transaction again.

A14

You should contact our Customer Service Hotline on 2290 8888 (press 6 and then 1 after language selection) immediately to deactivate your OTP service.