OCBC OneToken

One digital token for all your banking needs.

What is it?

OCBC OneToken is a digital security token to replace your hardware token and SMS OTP - for a seamless, secure banking experience.

Activate Now

Eligibility

  • Have OCBC Online Banking access.

Why you’ll love OCBC OneToken

authenticate

Banking Made Simple

Logins and transactions are authenticated in the background without having to wait for SMS OTPs or fishing for your hardware token.
secure

Enhanced Security

OCBC OneToken is integrated with your OCBC Mobile Banking app on your registered device.

No network? You can generate a manual OTP on your mobile device.

How does it work?

The OCBC OneToken replaces your hardware token, which means that transactions made on both OCBC Mobile Banking App and OCBC Internet Banking, will use the OCBC OneToken service for authentication.

For a seamless mobile banking experience, turn on notifications for your OCBC Mobile Banking app. Learn how.


How to activate OCBC OneToken?

Additional Information

General

What is OCBC OneToken?

OCBC OneToken is a digital token installed in your mobile phone. It will replace your hardware or SMS token for all Internet and Mobile Banking services.

Can I continue to use Internet or Mobile Banking if I do not activate OCBC OneToken?

Yes, you may continue to use your existing hardware token and/or SMS OTP.

Can I continue to use the old hardware token or transact using SMS OTP after I have activated the OCBC OneToken?

You will not be able to use your hardware token or SMS OTP after you have activated OCBC OneToken for Internet and Mobile Banking services.

SMS OTPs will still be used for our other services, including Phone Banking, SMS Banking and online card transactions (if the merchant’s website requires an OTP).

Are there any charges for OCBC OneToken?

No. There are no charges for setting up OCBC OneToken on your mobile phone.

When was the OCBC OneToken launched?

January 2019

Setup / Activation

Why do I need to set up OCBC OneToken?

OCBC OneToken makes your digital banking with OCBC more convenient by removing the need to carry your hardware token around. In addition, the security has been enhanced to provide greater protection than before.

Who can set up OCBC OneToken?

You need to have access to OCBC Internet or Mobile Banking service and have a registered mobile number with the Bank.

How do I set up the OCBC OneToken?

Download the latest OCBC Mobile Banking app and follow the step-by-step guide to activate OCBC OneToken.

What if I do not have my hardware token with me to activate OCBC OneToken?

If you have registered your Internet Banking account to a hardware token before, you are required to get a replacement hardware token before you can activate your OCBC OneToken.

If you did not register a hardware token to your account, you will activate OCBC OneToken using SMS OTP. A Token Key will be sent to your mailing address after you have completed the activation of the OCBC OneToken using this method.

What is a Token Key?

It is a 6-digit code, sent to you by mail, which you will need to enter once to enable selected transactions such as:

  1. Add fund transfer payee and/or beneficiary
  2. Transfers exceeding your limit
  3. Change of fund transfer limits
  4. Change of mailing address and contact details
  5. Change of Online Banking PIN
What if I do not activate using the Token Key?

If you do not have the Token Key you can still perform other transactions such as transaction or balance enquiries.

How do I request the Token Key to be mailed to me?

You can request via the Mobile Banking app or Internet Banking website.

Mobile Banking
  • Step 1: Login using Access Code and PIN or OneTouch™ / OneLook™
  • Step 2: Go to Settings
  • Step 3: Click on Request for Token Key. It will be mailed to your registered address with the Bank.
Internet Banking
  • Step 1: Login using Access Code and PIN
  • Step 2: A Push Notification will arrive at your mobile phone. Tap on the notification and approve the transaction.
  • Step 3: Go to Customer Service > Manage OCBC OneToken > Click on Request for Token Key. It will be mailed to your registered address with the Bank.
Where will the Token Key be sent to?

The Token Key will be sent to your registered address with the Bank.

How many devices can I register for OCBC OneToken?

To ensure security, you are only allowed to setup OCBC OneToken on ONE mobile phone.

Can I deactivate my OCBC OneToken?

Yes, you may call us at +65 6363 3333 to deactivate your token immediately.

Usage

How do I login and authorise online banking transactions and purchases using OCBC OneToken?

You can login to OCBC Mobile Banking with either your access code and PIN or with OCBC OneTouch™/ OCBC OneLook™. All mobile banking transactions will be authenticated seamlessly in the background, reducing the hassle of keying in SMS OTP or using your hardware token.

You can login to OCBC Internet Banking, either desktop or mobile browser, using your access code and PIN. A push notification will be sent to your registered mobile phone requesting to authorise the transaction.

Why am I not receiving a push notification to authorise my transactions?

Please enable push notification on your mobile phone and ensure stable network connectivity in order for you to authorise your transactions.

Can I still authorise my online transactions if I turn off notifications?

Yes, launch the OCBC Mobile Banking app, navigate to the next screen (before logging in), and generate the manual OTP for your transactions. There will be a screen prompt to guide you.

How do I turn on notifications on my mobile phone?

You can enable notification in one of the following ways:

For IOS devices:
  • Step 1: Access Settings > Select Notifications
  • Step 2: Select OCBC Mobile Banking 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 Mobile Banking app > Turn on Notifications
Can I use OCBC OneToken if my phone is not connected to service provider network?

Yes, you may use your OCBC OneToken to generate an OTP or transaction code even if it is not connected to a network.

How do I generate an OTP or Transaction Code?

You can generate a manual OTP by taking the following steps:

Generate OTP
  1. Launch your OCBC Mobile Banking app
  2. Select the OCBC OneToken icon located at the right-hand Menu
  3. Tap on OTP button to display the 6-digit OTP
  4. Enter the 6-digit OTP into Online Banking
Generate Transaction Code
  1. Launch your OCBC Mobile Banking app
  2. Select the OCBC OneToken icon located at the right-hand Menu
  3. Tap on Transaction Code button
  4. Enter the challenge code displayed on screen
  5. Tap on Submit, enter the 6-digit OTP into Online Banking
I have iOCBC account and OCBC Internet Banking accounts, can I use OCBC OneToken to access both systems?

No, OCBC OneToken is only applicable to OCBC Internet and Mobile Banking.

You may continue to use the same hardware token to access your iOCBC account.

Why is my OCBC OneTouch™ journey different?

Once you have registered for OCBC OneToken, logging in through OCBC OneTouch™ will be secure and authenticated in the background, allowing you to do all your banking transactions seamlessly.

Can I still login with my Access Code and PIN?

Yes, you can still log in to OCBC Internet and Mobile Banking using your access code and PIN after registering for OCBC OneToken. All logins will be secure and authenticated in the background, reducing the hassle of keying in your SMS OTP.

If you login to OCBC Internet Banking, you will be required to authenticate by tapping on the pop-up notification with your registered mobile phone.

Can I install the OCBC Mobile Banking app in a jail broken device?

To ensure security and protect your information from being hacked, OCBC Mobile Banking app will not work in a jail broken device.

Lost / New Device

What if I lose my mobile phone?

Call us immediately at +65 6363 3333 and we will assist you in deactivating your OCBC OneToken on your lost phone.

Alternatively, you can activate OCBC OneToken on your new mobile phone, which will immediately deactivate OCBC OneToken on your lost phone.

  1. Download the OCBC Mobile Banking app on a new mobile phone.
  2. Log in to the app using your Access Code and PIN and perform a one-time setup on your new device. Upon setting up, OCBC OneToken will be automatically disabled on your lost phone.
What if I switch my mobile phone?

Simply download the OCBC Mobile Banking App on the new mobile phone, log in using your access code and PIN, then register for OCBC OneToken using the new device.

Once this is done, the OCBC OneToken will be automatically disabled on the old mobile phone.

What if I have changed to a new mobile number?

If you have changed to a new mobile number, please inform the Bank via Contact Centre or approach any Branches to update your mobile number.

I just lost my hardware token. Should I wait till OCBC OneToken is out?

Please contact us at +65 6363 3333.

If you are not registered for a hardware token, you will not require a hardware token to activate your OCBC OneToken.

We advise you to stay vigilant and secure your mobile device with a password, pin or relevant mechanism to prevent unauthorised use. Learn more about safeguarding your mobile phone to protect yourself.