These FAQs apply to OCBC credit and debit cards, excluding business cards.

Adding a debit or credit card to a mobile wallet will allow you to make secure contactless payments using your mobile device.

As part of industry efforts to minimise fraud and scams, OCBC OneToken – your digital token in the OCBC app – must be used instead of SMS One-Time Passwords to add OCBC cards to mobile wallets (Apple Wallet and Samsung Wallet) from 31 July 2025.

Please read Question 5 for the steps to add OCBC cards to mobile wallets. Do note that, after the change on 31 July 2025, you will only be able to add OCBC cards to Garmin Pay™ and Fitbit Pay™ between 31 July 2025 and 10 August 2025; the adding of OCBC cards to these wallets will no longer be supported from 11 August 2025.

OCBC debit and credit cards can be added to selected mobile wallets. Please ensure that:

• The card you wish to add has been activated and has not been locked.
• The card you wish to add must be in your name.
• The latest version of the OCBC app must be installed on your device.
• OCBC OneToken must be activated on your device (you will only be able to add a card to a mobile wallet 12 hours after activating OCBC OneToken)

Apple Wallet is a registered trademark of Apple Inc.
Google Wallet is a registered trademark of Google LLC.
Samsung Pay and Samsung Wallet are registered trademarks of Samsung Electronics Co., Ltd.
Garmin®, the Garmin logo, and Garmin Pay™ are trademarks of Garmin Ltd. or its subsidiaries.
Fitbit®, the Fitbit logo and Fitbit Pay™ are registered trademark(s) or trademark(s) of Fitbit, Inc. and/or its affiliates in the United States and other countries.

Yes, you can continue to pay using cards that were added to your mobile wallet before 31 July 2025.

For Apple (iOS) devices

1. Open the Wallet app and tap ‘+’ to add a card.
2. Follow the instructions in the app to choose the card you wish to add (e.g. hold the card near the device or fill in the card details manually.
3. Tap ‘Verify with OCBC app’.
4. You will receive a notification sent from the OCBC app. Tap it to open the OCBC app and tap 'Confirm' to authorise the request.
5. Return to the Wallet app to complete the process. For added convenience, set the card as your default card for payment.

For Samsung devices

1. Open the Samsung Wallet app and tap ‘Add card’.
2. Follow the instructions to fill in the details of the card you wish to add.
3. Tap 'Open banking app'.
4. You will receive a notification sent from the OCBC app. Tap it to open the OCBC app and tap 'Confirm' to authorise the request.
5. Return to the Samsung Wallet app to complete the process. For added convenience, set the card as your default card for payment.

For Google devices

Option 1: Via SMS

1. Open the Google Wallet™ app and enter your OCBC card details by tapping ‘New credit or debit card’.
2. Using your mobile number in our records, SMS 72323 with:
   TOKN <space> Your NRIC/passport no. <space> Last 4 digits of your card no.
   Example: TOKN S1234567B 1234
3. For verification purposes, we will send you an SMS containing an OTP. Please reply to the SMS with the same OTP.

Option 2: Via call

1. Open the Google Wallet™ app and enter your OCBC card details by tapping ‘New credit or debit card’.
2. Tap ‘Call your Bank’.

Once we verify your request, your OCBC card will be added to your Google Wallet™ within 2 days. We will SMS you once this is done.

For Garmin Pay™ and Fitbit Pay™

Option 1: Via SMS

1. Open the Garmin Pay™ or Fitbit Pay™ app and enter your OCBC card details.
2. Using your mobile number in our records, SMS 72323 with:
   TOKN <space> Your NRIC/passport no. <space> Last 4 digits of your card no.
   Example: TOKN S1234567B 1234
3. For verification purposes, we will send you an SMS containing an OTP. Please reply to the SMS with the same OTP.

Option 2: Via call

1. Open the Garmin Pay™ or Fitbit Pay™ app and enter your OCBC card details.
2. Tap ‘Call your Bank’.

Once we verify the request, your OCBC card will be added to the Garmin Pay™ or Fitbit Pay™ within 2 days. We will SMS you once this is done.

For Apple devices (iOS, WatchOS or MacOS)

For now, your card cannot be added to a secondary Apple device (e.g. iPhone, iPad or Mac).  The OCBC app and OCBC OneToken can only be activated on one Apple device of your choice. We are working to make it possible to add cards to secondary Apple devices in the future.

For Samsung devices

Yes, your card can be added to a secondary Samsung device. Just take these steps:

1. Open the Samsung Wallet app on the secondary device and tap 'Add card'.
2. Follow the instructions in the Samsung Wallet app to fill in the details of the card you wish to add.
3. Tap 'Open banking app'.
4. A notification will be sent to the OCBC app on your primary device (the device that the OCBC app is installed – and OCBC OneToken is activated – on).
5. Tap the notification to open the OCBC app on your primary device and tap ‘Confirm’ to authorise the request.
6. Return to the Samsung Wallet app on the secondary device to complete the process. For added convenience, set the card as your default card for payment.

For Google devices

Yes, your card can be added to a secondary Google device. Just take these steps:

Option 1: Via SMS

1. Open the Google Wallet™ app on the secondary device and enter the details of the card you wish to add by tapping ‘New credit or debit card’.
2. Using your (i.e. the cardholder) mobile number in our records, SMS 72323 with:
   TOKN <space> Your NRIC/passport no. <space> Last 4 digits of your card no.
   Example: TOKN S1234567B 1234
3. For verification purposes, we will send you (i.e. the cardholder) an SMS containing an OTP. Please reply to the SMS with the same OTP.

Option 2: Via call

1. Open the Google Wallet™ app on the secondary device and enter the details of the card you wish to add by tapping ‘New credit or debit card’.
2. Tap ‘Call your Bank’.

Once we verify the request, your OCBC card will be added to the secondary Google device within 2 days. We will SMS you (i.e. the cardholder) once this is done.

For Garmin Pay™ and Fitbit Pay™

Yes, your card can be added to a secondary Garmin Pay™ or Fitbit Pay™ device. Just take these steps:

Option 1: Via SMS

1. Open the Garmin Pay™ or Fitbit Pay™ app on the secondary device and enter the details of the card you wish to add.
2. Using your (i.e. the cardholder) mobile number in our records, SMS 72323 with:
   TOKN <space> Your NRIC/passport no. <space> Last 4 digits of your card no.
   Example: TOKN S1234567B 1234
3. For verification purposes, we will send you (i.e. the cardholder) an SMS containing an OTP. Please reply to the SMS with the same OTP.

Option 2: Via call

1. Open the Garmin Pay™ or Fitbit Pay™ app on the secondary device and enter the details of the card you wish to add.
2. Tap ‘Call your Bank’ – you (i.e. the cardholder) must take the call.

Once we verify the request, your OCBC card will be added to the secondary Garmin Pay™ or Fitbit Pay™ device within 2 days. We will SMS you (i.e. the cardholder) once this is done.

Please ensure that:

• Your mobile device is connected to the Internet.
• Your device settings allow for push notifications to be sent via the OCBC app.
• You have enabled push notifications via the OCBC app.

If you missed or did not receive the notification, tap 'Request a new one'. Alternatively, return to your device's wallet app and repeat the earlier steps to try again.

You will need to have Online Banking access and activate OCBC OneToken to add your card to a mobile wallet. Please take the following steps.

To get Online Banking access:

• Go to ocbc.com/ApplyNow and follow the instructions.

To activate OCBC OneToken:

1. Download the OCBC app from the App Store or Google Play.
2. Log in using your Online Banking Access Code and PIN.
3. Follow our step-by-step guide to activate OCBC OneToken.

For your security, you will be able to add your card to a mobile wallet only 12 hours after activating OCBC OneToken.

For Apple Wallet and Samsung Wallet: We will send you an SMS and email, and depending on your notification preference – a push notification after your card has been added to these wallets.

For Google Wallet™, Garmin Pay™ and Fitbit Pay™: We will send you an SMS after your card has been added to these wallets.

The Terms and conditions governing Electronic Banking Services, and OCBC Credit Cardmembers Agreement or OCBC Debit Cardmembers Agreement apply.