Enhances online security without additional software required
Simple and convenient
How does One-Time Password (OTP) work?
Step 1: Enter credit card details when prompted
When you make an online purchase at the participating 3D Secure merchant, you will be prompted to key in your 16-digit card number, card expiry date and CVV2/CVC2.
Step 2: OTP will be sent to the registered mobile number
A One-Time Password (OTP) will be sent to your mobile hand phone number as maintained in our records.
Step 3: Enter OTP to confirm payment
Enter the OTP when the pop-up screen appears
What is 3D Secure?
3D Secure is a security protocol used by banks worldwide to authenticate online card transactions. You can recognise 3D Secure merchants by Mastercard® Securecode, Verified by Visa and American Express SafeKey logos on the online merchant's website.
What are the benefits of 3D Secure and why do I need a One-Time Password (OTP)?
3D Secure provides an added layer of security by prompting you for a OTP when you make an online purchase. This helps to protect against online fraud by verifying that the customer making the online purchase is the rightful owner of the credit card.
Do I need to enroll for 3D Secure?
No enrolment is required as all Cardmembers are automatically enrolled. Please ensure that you have updated your latest mobile phone number with us as the OTP will be sent to the mobile phone number in our records.
Do all online transactions require me to key in a OTP?
No. The OTP is only required for online merchants that support the 3D Secure authentication protocol.
What happens if I were to key in the wrong OTP 3 times in a row?
You will not be able to complete the transaction and will be routed back to the merchant website.
If I do not have a mobile phone number registered with the Bank, can I still make online purchases?
You will still be able to transact at 3D Secure merchant websites even without entering a OTP. However, this is not advisable as the transaction will be non-authenticated. Hence you are encouraged to update your mobile phone number with us. Simply call our 24-hr CitiPhone Banking at 6225 5225 to update your mobile phone number.