1. What is OTP?

OTP means “One-Time Password”. An OTP is randomly generated and sent to your registered mobile number and email address for validation of your online transactions. It provides an enhanced level of security on card transactions when used to make purchases online.

2. What is your registered mobile number and email address?

Your registered mobile number and email address are the ones which you provided in the debit card application form.

If you have not registered your email address please contact your Relationship Manager. Your Visa card is auto enrolled for Verified by Visa (“VbV”) services.

3. How long will each OTP be valid?

Each OTP will be valid for 3 minutes.

4. Can I use one OTP for more than one transaction?

No. Every OTP is valid only for a particular transaction and cannot be used for any other transaction.

5. Does every online purchase require OTP Password?

No. An OTP is required when an online Merchant invokes a VbV service. Only then you will be required to enter the OTP.

6. What happens if I do not receive the OTP?

An OTP is instantly sent to your registered mobile number and email. If you do not receive the OTP, then please contact our 24x7 card services helpline at 0800 6444 429.

7. How many times can I request for an OTP to be re-sent to me?

You can request for an OTP to be re-sent to you two times only. After that the resend button will be disabled and you will be redirected to main merchant screen.