We understand why you are concerned about online banking security. On top of using Secure Socket Layer (SSL) 128-bit encryption and an automatic "Service Timeout" function to protect your account, we are introducing Two-Factor Authentication for conducting designated online transactions. A SMS-based One Time Password (OTP) will be issued to your registered mobile phone number as an additional authentication measure when performing any designated transactions* on DBS ec-banking.

Transactions requiring OTP

• Fund Transfer to Non-Registered Third Party Accounts
• Bill Payment services related to designated payees
  (The Hong Kong Jockey Club, merchants under the category of Banking and Credit Card Services, Credit Services and Securities Brokers)
• Update Personal Details
• Increase ec-banking Daily Limit

3 Simple Steps on Using OTP:

1. Each time you perform any of the designated online transactions on DBS ec-banking, you will automatically receive an OTP via SMS to your registered mobile phone number.
2. You will be prompted on your ec-banking screen to key in the OTP sent to your mobile phone.
3. Key in the OTP and click on the "Confirm" button. You can then proceed with the transaction.
   Our OTP process ensures you can enjoy peace of mind knowing that your online transactions are protected by added security.

To enjoy the OTP service, simply register your mobile phone number for receiving OTP at any DBS ATM or visit any DBS branches.