For users who prefer not be burdened with a hardware device, OCBC offers the option of using mobile phones to receive OTPs through SMS.
SMS Token users simply register their mobile phone numbers with OCBC in the Token selection process, and wait for OTPs to arrive via SMS whenever they initiate login to Internet or Mobile Banking.
Benefits
- No additional hardware device to carry around
- Virtually no effort required in generating OTPs
Characteristics:
- OTP is automatically sent to pre-designated mobile number
- OTP may be slightly delayed due to mobile network traffic
- Overseas coverage dependent on mobile operator / plan
Suitable for customers who:
- Are mostly based in Singapore
- Prefer not to carry hardware device
- Do not mind the occasional delay
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