Online Banking - IDEAL™ 3.0

Account Information at your Fingertips

• Single access to all your business banking accounts across the DBS network
• Personalised dashboard that displays key account information upon login
• View enriched account statements and transaction advice slips for the last six months
• Schedule reports such as account statements and remittance to be delivered automatically to your email address
• Receive real-time alerts for important activities such as payment due, low balance and incoming funds

Seamless Payments and Transactions

• New Transfer Wizard eliminates banking jargon and recommends available payment types for your transactions
• Set up template and file upload arrangements for frequent transactions including payroll
• Leverage bank and beneficiary libraries to input your beneficiaries quickly and accurately
• Notify your beneficiaries upon successful transactions via beneficiary advising
• Make overseas payments with previously purchased FX contracts
• Integrate with your ERP system for a seamless payment and reconciliation experience

Trade Finance

• Manage your trade cycle on a single platform, from order to production, shipment, delivery and settlement
• Access a wide range of trade instruments and sign up for accompanying alerts and notifications
• Submit trade finance applications quickly and easily via straight-through-processing forms

Mobile Banking

• Access your account via our specially designed IDEAL Mobile App
• View your account balances and activities anytime, anywhere
• Approve transactions at any time, from anywhere

Pricing Packages (Effective from 17th June, 2019)

Enquiries

View account statements, trade transactions, remittance advice slips, enquire on Fixed Deposits and subscribe to alerts and trade notifications

Payments

Make payments locally and internationally via Intra Company Transfer, Account Transfer, Bank Cheques, AutoPay or Telegraphic Transfer

Payroll

Make payroll transfers to multiple recipients on a regular basis via Payroll

Collections

Collect payments from customers via AutoCollect

Trade

Enquire about trade transaction details and history. Submit new trade applications including Documentary Credit, Documentary Collection, Guarantees, Standby Letter of Credit and Trade Loan. Provide acceptance of Import Bills and settlement instructions

1. If you are an:
   1. Existing DBS SME Banking customer and would like to sign up for IDEAL™ 3.0, download and complete:
      • Registration Form
      • DBS Electronic Banking Services Terms & Conditions
      • DBS Electronic Banking Services Terms & Conditions (effective 29 Jun 2020)
   2. Existing IDEAL™ customer who wish to upgrade your service package from Enquiry to Transaction, Download and complete:
      • Maintenance Form
      • DBS Electronic Banking Services Terms & Conditions
      • DBS Electronic Banking Services Terms & Conditions (effective 29 Jun 2020)

1. If you are an existing IDEAL™ customer and would like to request any of the following:
   1. Update Account Numbers
   2. Add, Remove or Update Users
   3. Update Authorisation Policy
   4. Modify Account Settings and Other Instructions
   5. Unlock User Access
   6. Unlock or Replace Security Devices

Download and complete relevant pages of the Maintenance Form.

If you’ve forgotten your Org ID and User ID, please contact us at (852) 2290 8068 or email to businesscare-hk@dbs.com.

1. If you are an IDEAL™ Transaction customer, you are eligible for a free Classroom Training session
   • IDEAL™ Training Class Schedule

1. If you are a new IDEAL™ customer, you may also need the following:
   • Getting Started Guide

Click here for Security Alerts & News.

Security Guidelines for Uses of IDEAL™ Services:

• You should not disclose your IDs or pin (login pin, token pin or any other pins used to access our Internet service) to any third party. No one at DBS Bank (Hong Kong) Limited will ever ask you for your login or any other pins, whether at branches, by telephone, by e-mail or by written request. Please destroy the original printed copy of the pin and do not write down or record the IDs/pin;
• You should choose pins difficult to guess. Do not choose pins that associate with anything personal such as names, birthdays, telephone numbers or other familiar words. For example, you should set the format of pins to combinations including both numeric and alphabetic characters. This makes it harder to guess the pins. Moreover, you should not use the same IDs and pin for the access to other internet services;
• You should change your initial pins when you first access the system;
• You should change the login pin and token pin periodically;
• You should notify us as soon as practicable if you think that the pins have been compromised;
• You should not leave your computers, token or any terminals, on which you have logged on our Internet service unattended. If you are provided with token for access to our Internet service, please lock your tokens in a safe place;
• Once you have finished using our Internet service, please promptly log out from the service;
• If the computer used to access our Internet service is likely to be shared with others, you should exercise care. For instance, you should remove the temporary files stored in the memory or in the hard disks of such computer during usage of our Internet service, as the temporary files may contain sensitive information such as account numbers;
• You must logon only at our official website for access to our Internet services. Never access our Internet service by using hot-links e.g. from other websites or from e-mails sent to you – these could easily be fake. You should access our official website through typing the authentic website address on the address bar of the browser or by bookmarking the genuine website and using that for subsequent access. You may verify that the Internet address is the genuine DBS's website by double clicking the 'lock' icon at the bottom bar of the screen to check the security certificate of DBS;
• You should not enter any information (including your ID, PIN and token One-Time-Password) to the website of the bank suspicious such as unusual screens pop up and/or your computer responds unusually slow, log out from that website immediately, scan your computer and report to us;
• You should not logon to our Internet service using a publicly available computer e.g. at cyber cafés. Such computers may have hacker programs or otherwise allow other persons to access personal/account information;
• Do not enter challenge code into your security device if you did not perform any financial transaction(s) in your account. Please note that during the log in process, you will never be asked to input a Challenge/Response;
• System generated post authorisation SMS and Email alerts will be sent to your registered mobile phone number and Email address within few minutes upon high-risk transactions are approved;
• You should avoid any unauthorized capturing of your pins by attackers. For instance, you should exercise extra care in handling doubtful e-mails received or accessing suspicious websites because attackers may make use of these channels to secretly install undetected programs to capture your keystrokes about the pins;
• You should always use the latest recommended Internet browser to ensure that they are using the most updated security features from time to time. You should clear the browser's cache after each session so that the account information is removed, especially if you are using a shared PC;
• You should avoid storing PIN/pin when using any browser. In Microsoft Internet Explorer 8, the "AutoComplete" function stores and lists possible matches from entries that you have typed previously. You can prevent any pins (including your PIN) from being stored e.g. (in the case of Internet Explorer 8 by de-activating the "AutoComplete" function:
  • Launch your Internet Explorer 8 and click on "Tools" >> "Internet Options" >> "Content".
  • Under "Personal Information", click on "AutoComplete".
  • Uncheck "User names and password on forms", and click on "Clear Passwords", check “Passwords” and click on “Delete”.
  • Click on "OK" to save the changes.
• You should regularly check your account balances and statements to identify unusual transactions;
• You should make sure your personal firewall software and / or anti-virus software is in good state. Regularly download updates to your anti-virus software, operating system and internet browser;
• You should follow our website login instructions and security tips published by us when conducting any financial transactions.

Note:

• Login to IDEAL™ regularly to ensure that your credentials are valid and active. For security reasons, we may revoke access to IDEAL™ if your authorised representatives do not login to the system for more than a year.
• Visit the DBS Security website for more information including the latest news and tips to help enhance your online banking security.
• Click here to download Hong Kong Monetary Authority’s e-leaflet - Smart Tips on Using Internet Banking Services.”