2-Factor Authentication (2FA)

What is 2-Factor Authentication (2FA)?

2FA is a security feature that provides greater online protection to online and mobile banking users.

With 2FA, users are required to input a One-Time Password (OTP), and this acts as a 2nd level of user authentication.

Why is 2FA secure?

Every OTP is unique and can only be used in conjunction with a user's Internet Banking Access Code and PIN. So even if a hacker gains access to your Access Code and PIN, the 2nd level of authentication prevents further entry because the OTP can only be obtained via a personal device (2FA Token) owned by you. In addition, every OTP stays valid only for a few minutes after it has been generated, and it cannot be used more than once.

Choose your 2FA token

There are 2 intuitive and easy-to-use 2FA tokens for a simple, secure and convenient online banking experience.

You can choose to use a hardware token to generate your OTP, or have it sent via SMS to a designated mobile phone number.

If you apply for online banking at an OCBC ATM, you will be prompted to choose your preferred 2FA token.

If you apply for online banking via a form or have an online banking account but have not selected your 2FA token, you will be automatically prompted to do so when you login to online banking for the first time.

Important notices

Terms and Conditions Governing Electronic Banking Services

Terms of Service Governing Inline Banking Notify-Beneficiary Service