| 1. How do I apply to become a member of OCBC Internet Banking? |
| All you need to do is access our site at https://www.ocbc.com.my/internet-banking/ and click on the “Sign Up” button. You will be requested to key in your OCBC ATM card or credit card numbers and its respective PIN. Once verified, you will be requested to key in your preferred Login ID and Password which will be used for all future accesses to OCBC Internet Banking. |
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| 2. Who is eligible to apply for OCBC Internet Banking? |
| Subject to our terms and conditions, any customer of age 18 years or above with either an OCBC ATM card or credit card may register for OCBC Internet Banking. |
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| 3. Are there any charges for being a member of OCBC Internet Banking? |
| OCBC Internet Banking is currently offered free to all eligible customers. |
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| 4. What are the services available in OCBC Internet Banking? |
Below are some of the services available in Internet Banking:
- Complete view of all your accounts such as deposits, loans, credit cards, foreign currency accounts, investment accounts and even your Safe Deposit Box details
- Transaction activities
- Statements download for the past 6 months
- Funds transfer to own accounts
- Funds transfer to third-party
- Bill payments
- InterBank GIRO (funds transfer to other Banks under MEPs IBG)
- Credit Card Application Status Inquiry
- Loan Application Status Inquiry
- Credit Card Balance Transfer Application
- Credit Card Rewards Redemption Application
- Customer Service (Change Mailing Address, Report Loss of ATM card, etc.)
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| 5. Am I required to install any special software to use OCBC Internet Banking? |
Internet Banking requires Java Virtual Machine (JVM) to be installed. Some browsers are already preinstalled with it. However, current versions of Window XP and above are not preinstalled with JVM. If your browser has not been preinstalled with JVM, please go to either of the following sites for download and installation instructions.
- Microsoft VM - for Internet Explorer only
- Sun Java VM for Internet Explorer
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| 6. Which browsers do OCBC Internet Banking support? |
- Microsoft Internet Explorer (IE) 5.5 or above,
- Netscape Navigator 6.2 or higher
- Mozilla Firefox 2.0 or above.
- Safari 1.2 for Mac
- Netscape 7.0.2 for Mac
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| 7. What are the minimum specifications of hardware and software required to access, use and operate the OCBC Internet Banking? |
We recommend the following minimum specifications:
- PC with at least a Pentium 500MHz processor with 64MB RAM or higher
- Modem 28.8kbps or higher
- Operating system Windows 98, ME, 2000, NT 4.0 or XP
- Microsoft Java Virtual Machine (MSJVM) or Sun Java Virtual Machine (Sun JVM)
- Internet Explorer version 5.5 or above, Netscape Navigator 6.2 or higher, Mozilla Firefox 2.0 or higher
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| 8. Can I use a notebook computer to access OCBC Internet Banking? |
| Yes, as long as the notebook meets the recommended requirements. |
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| 9. How secure is OCBC Internet Banking? |
At OCBC, we are strongly committed to protecting the security and confidentiality of your personal or private information. Industry standard 128-bit SSL (currently the highest level available) is used for securing data communication between the browser and OCBC systems. It is used for ensuring transaction privacy, message integrity and server-side authentication using digital certificate technology. Over and above SSL, all passwords are encrypted end-to-end from the browser to OCBC systems.
As an additional security feature, OCBC Internet Banking will automatically log you off if you leave your browser idle for more than 10 minutes. |
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| 10. How can I upgrade my browser to 128-bit SSL encryption? |
| To upgrade your browser (Windows based) to the recommended 128-bit SSL, please go to http://windowsupdate.microsoft.com for download and installation instructions. |
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| 11. How do I ensure the security of my password? |
| We recommend that you read our Password Tips on selecting a secure password, protecting your password and adopting careful habits. |
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| 12. If I have a joint account with OCBC, do I have to share my OCBC Internet Banknig Login ID and password? |
| No. Each joint account holder must create his/her own Login ID and password and be responsible for its security. |
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| 13. Why am I not able to login? |
| If you are unable to login, it could be that you have attempted 3 unsuccessful logins. As a security measure, our system will disable your access should this happen. |
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| 14. If my access to OCBC Internet Banking is disabled, how can I enable it again? |
| Please call our Contact Centre at 1300-88 5000 or 603-8317 5000 (when calling from overseas) to enable your OCBC Internet Banking. |
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| 15. What happens if I forget to log out or leave my computer idle for a period of time? |
| As a security measure, Internet Banking will automatically log out if you leave your computer idle for more than 10 minutes. |
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| 16. If I have more than one account, can I select any of my acounts to effect funds transfer or bill payment? |
| All your savings and current accounts tagged to OCBC ATM service will be automatically displayed in a selection list for you to select the accounts from which you can transfer fund or make bill payment. Accounts without ATM service will not be included in this selection list. |
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| 17. Can I still register as a member of Internet Banking if I do not have an OCBC ATM service? |
| If you had registered as a user of Internet Banking using the OCBC credit card and you do not have OCBC ATM facilities, you will not be able to perform any online transactions. However, you may access all other online services such as view your accounts, download statements, etc. |
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| 18. What happens when my computer crashes or I get disconnected from the Internet by accident? How will I know if the transaction I performed has been affected? |
If you were in the midst of submitting/transmitting your banking transaction when your PC crashed or you got disconnected from the Internet, you can:
- Call our Contact Centre at 1300-88 5000 or 603-8317 5000 (when calling from overseas). Press "0" to talk to our Customer Service Executives. Daily(8am to 10pm).
- Login to access Internet Banking and click on Internet Transaction Records. A transaction is in order, if it is marked 'Successful'
- All effected transaction details will be marked “Successful”
- Use our PhoneBanking to check your account balance
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| 19. Will I be able to create a transaction with a future effective date? |
| Yes. All future dated transactions will be processed in the morning of the future date specified. You may view all your pending (future) transactions anytime through the Future Transfer, Future Bill Payment and InterBank GIRO options.. |
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| 20. Can I cancel any pending transaction? |
Yes. You may delete any future dated transactions displayed on the Future Transfer, Future Bill Payment and InterBank GIRO options.
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| 21. Is there any limit to the amount I can transact in OCBC Internet Banking? |
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| Transaction Type |
Limit |
| Between your own OCBC accounts |
No Limit |
| Payments to corporate billers e.g. Telekom, Great Eastern Life Assurance Bhd. |
No Limit |
| To third-party accounts |
You may select your own limit as follows:
- Not allowed
- RM500 per day
- RM1,000 per day
- RM3,000 per day
- RM5,000 per day
To select your own limit, please click on Update Daily Limits
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22. Are there any restrictions when transacting on an external account in OCBC Internet Banking? |
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Transactions involving a non-resident account (external account) are subject to a maximum of RM5,000.00 per day. |
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23. What do you mean by own-account transaction and third-party account transaction? |
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Own-account transactions are transactions between OCBC Bank accounts whereby you are an account holder (including joint accounts).
Third–party transactions are transfers to an OCBC Bank account whereby you are not an account holder. Note : Bill payments to corporate billers are not classified as third-party transactions. |
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24. What is 2FA and its advantage?
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2FA or 2 Factor Authentication is an additional security feature for Internet Banking. All high risk transactions will require One-Time Password or OTP consisting of 6 digits. 2FA is considered by the industry to be the more robust means of authenticating Internet Banking users as it relies on something only you know (Username and Password), and something only you have (OTP).
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25. What is OTP?
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OTP or One-Time Password is a 6 digit number provided via SMS or a hardware security token. The OTP is valid for 10 minutes from time of generation and will be required for EACH high risk transaction.
26. What are the high risk transactions requiring OTP?
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Transactions which require OTP include the followings:
• Funds Transfer to Account(s) with Other Banks (MEPS IBG)
• 3rd Party Funds Transfer to Account(s) within OCBC Bank
• Adding of Payees & Payment Corporations to your registered lists.
• Bills Payment (Telekom, GE, Credit Card etc)
• Update or increase of Daily Transfer Limit
• Adding of registered Beneficiary for MEPS IBG & 3rd Party Funds Transfer
27. What is Hardware Security Token?
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It is a small electronic device the size of a thumb drive which will provide your OTP at the press of a button.
28. How can I apply for 2FA service?
We offer 2 methods of obtaining your OTP for 2FA purpose:
• Hardware Security Token
• SMS Token (Mobile telephone)
You may select your preferred 2FA option via OCBC Internet Banking. If you choose Hardware Security Token, please allow 4 to 5 working days for the token to be couriered. To avoid any delivery delay, please ensure that you are available to receive the parcel at the selected address.
29. I am using Singapore (foreign) Mobile number. Can I register the number for SMS Token?
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No. Only numbers from Malaysia Mobile telephone operators can be registered. (ie. 012, 013, 014, 016, 017 and 019)
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30. Is there any other way (besides the Internet) which I can request for 2FA service? |
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At present, first time request for 2FA can only be performed by logging on to OCBC Internet Banking.
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31. What if I do not want to apply for 2FA?
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You will not be able to perform the high risk transactions without 2FA (refer 26 for list of transactions).
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32. I am an existing Internet Banking user but I could not remember my login password.
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Please call our Customer Service Executive and request for Password Reset. Once completed, login to OCBC Internet Banking https://www.ocbc.com.my/internet-banking/ and click on the “I have forgotten my password” hyperlink to set your new password. As added security, your ATM or Credit Card numbers and PIN are required for verification purpose.
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