- Seamless banking experience anytime, anywhere: Never have to carry a hardware token around or worry about misplacing it. Use just your mobile device to authorise the transactions you make.
- Fuss-free activation: Activating OCBC OneToken only requires a few taps on the OCBC Digital app. With it, you do not need to wait for a hardware token to be mailed to you to start authorising online transactions.
- Enhanced security: OCBC OneToken is securely integrated into your OCBC Digital app. It is protected by your mobile device’s screen lock and the security measures that are built into the OCBC Digital app.
- Planet-friendly choice: Do your part for the environment. Hardware tokens need to be replaced every few years as their batteries die or newer versions are released. By using a digital token, you will reduce e-waste and the carbon footprint involved in the manufacturing and shipping of hardware tokens.
Use OCBC OneToken (digital token) for a seamless and secure banking experience
Switch to OCBC OneToken to enjoy hassle-free banking.
OCBC OneToken is a digital token that can be used to authenticate and authorise transactions made via the OCBC Digital app or Internet Banking, and certain online card payments. It is securely integrated into the OCBC Digital app on your mobile device.
You can use OCBC OneToken – instead of hardware tokens or SMS One-Time Passwords (OTPs) – to protect yourself against unauthorised digital transactions.
BENEFITS OF USING OCBC ONETOKEN
Make banking simpler
Seamlessly log in and authorise transactions without the need for a hardware token or SMS One-Time Password (OTP). Transactions made using the OCBC Digital app are authorised in the background, while those made using OCBC Internet Banking can be authorised in a few taps.
Enjoy enhanced security
Integrated with the OCBC Digital app and protected by your mobile device's screen lock (e.g. biometric or PIN), OCBC OneToken lets you authorise high-risk transactions on the go.
Conveniently authorise online payments
Authorise online card payments by tapping on a push notification. Once you activate OCBC OneToken, we will not send you SMS OTPs unless verification involving OCBC OneToken on your device is needed.
HOW OCBC ONETOKEN WORKS
Step 1
Activate OCBC OneToken
Take these steps to activate OCBC OneToken on the OCBC Digital app.
Once activated, you can securely authorise:
- Requests (e.g. logging in to OCBC Internet Banking, adding new payees).
- Funds transfers and payments made via the OCBC Digital app and Internet Banking.
- Card payments made on certain e-commerce websites and apps.
Step 2
Make transactions
Via the OCBC Digital app: Simply submit your request via the OCBC Digital app.
Via Internet Banking: Submit your request, then look out for a push notification on your mobile device.
Online card payments: Submit your request on the merchant’s website/app, then follow the steps provided to authorise the purchase. Depending on the merchant and transaction amount, you may be asked to authorise the transaction using a push notification or an SMS OTP.
Step 3
Authorise transactions
Via the OCBC Digital app: As transactions made via the OCBC Digital app are authorised in the background, no action is needed of you.
Via Internet Banking: Tap the push notification*, then tap ‘Confirm’. You can then return to your banking session.
Online card payments:
If you received a push notification, tap it, then tap ‘Confirm’.
Received an SMS OTP instead? Enter it into the authentication screen.
* Did not receive the push notification? Go to the OCBC Digital app > More > OneToken > Confirm. For details, refer to our FAQs.
Do not have an active ATM/debit/credit card and PIN? Activate OCBC OneToken using SMS OTP and Token Key or your existing physical hardware token.
Please refer to our FAQs if you need help.
HOW TO AUTHORISE YOUR FIRST ONLINE TRANSACTION USING OCBC ONETOKEN
View our Help & Support page for more information on how to authorise online transactions using OCBC OneToken.
Additional Information
Disclaimers
We advise you to stay vigilant and secure your mobile device using biometric authentication.
Alternatively, use a strong password, PIN or other security mechanism to prevent unauthorised use of your mobile device. To further protect yourself, enable biometric authentication for the OCBC Digital app and customise your Access Code and PIN.
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Activate OCBC OneToken on the OCBC Digital App now.
Forgot Access Code/PIN? Reset instantly.
FREQUENTLY ASKED QUESTIONS
Why switch to OCBC OneToken?
Is OCBC OneToken secure?
Yes, OCBC OneToken is securely integrated into the OCBC Digital app on your mobile device. Security can be further enhanced by your device's screen lock (e.g. biometric or PIN).
Can I still use a hardware token or SMS OTPs to authorise transactions after I activate OCBC OneToken?
You may still do so, depending on the type of transaction you make.
- Transactions made via the OCBC Digital app or Internet Banking: No. Once you have activated your OCBC OneToken on your mobile device, you will not be able to use your hardware token or SMS OTPs to authorise such transactions.
- Transactions made via Phone Banking or SMS Banking: SMS OTPs may still be used to authorise such transactions.
- Online card transactions: SMS OTPs may still be required by some online merchants.
If you are an iOCBC user, you can continue to use your hardware token to access your iOCBC account.
I did not receive a push notification to authorise my transaction. Why?
First, please ensure your mobile device is connected to the Internet. Do also check that you have allowed push notifications for the OCBC Digital app and that you have enabled push notifications via the app.
To allow push notifications to be sent via the app
- For iOS devices:
- Step 1: Access Settings > Select Notifications
- Step 2: Select ‘OCBC Digital app’ > Turn on Notifications
- For Android devices:
- Step 1: Access Settings > Select Apps & Notifications
- Step 2: Select Notifications > Select App Notifications
- Step 3: Select OCBC Digital app > Turn on Notifications
To enable push notifications
- Step 1: Launch the OCBC Digital app
- Step 2: Tap on the bell icon (at top right)
- Step 3: Tap on the gear icon (at top right) to view Settings
- Step 4: Toggle on ‘Receive reminders and alerts’
For details, refer to our FAQs.
Next, please note that you will not receive push notifications for transactions made via the OCBC Digital app as they are authorised in the background.
If you do not receive a push notification for your OCBC Internet Banking or online card transaction, you can take these steps to authorise your transaction:
- Step 1: Submit your transaction request
- Step 2: An authorisation prompt will be shown on the screen
- Step 3: Launch the OCBC Digital app on your mobile device > Tap on ‘More’ > ‘OneToken’. A prompt titled ‘Authorise Transaction’ or ‘Authorise login’ should appear*
- Step 4: Tap ‘Confirm’ to authorise your transaction
- Step 5: Return to your browser
*If you do not see it, please return to your browser to request a new push notification.
Authorise transactions with just a tap
When you login or perform a transaction on your desktop, you will receive a notification on your mobile phone prompting you to authorise the action. Simply tap on the notification and it’s approved!
Notifications for the OCBC Mobile Banking app must be enabled on your mobile device for this purpose. Learn more
High risk transactions include:
- Adding a new payee*
- Adding credit cards from other banks
- Making funds transfer
- Changing transaction/daily/authorisation/withdrawal/ funds transfer limits*
- Changing credit and spending limits on your cards
- Updating personal particulars*
- Changing online banking PIN
*For your security, to access services like adding payees, changing transaction limits and updating personal details, you must wait up to 12 hours for OCBC OneToken to be fully activated.