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SMS One Time Password (SMS OTP)

SMS One Time Password (SMS OTP) is a free and easy to use service to help you bank online in a safe and secure environment by utilising your mobile phone as an extra layer of security. An SMS OTP is a random six-digit number that is generated by the system when performing certain transactions. It will be sent to your mobile phone via SMS to provide an extra level of authentication for certain transactions.

An SMS One Time Password is required to complete certain transactions in Online Banking including:

  • Updating your personal details (such as your address or phone number).
  • Changing your access code or PIN.
  • Registering new payees or updating the details of existing payees.
  • Making payments or funds transfers to new payees.
  • Making international transfers.
  • Authorising transactions on two to sign accounts.

The SMS One Time Password service is now compulsory for certain Online Banking transactions. The mobile phone number you provide us with will automatically be enrolled for the free SMS One Time Password service. Please ensure that your mobile phone number is correct and remains up to date in Online Banking.

  • Additional security for your account/s.
  • Protect your accounts from unauthorised access by fraudsters.
  • A free and easy to use service.
  • Change the PIN on your card.

We're ready to help you

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In the spirit of reconciliation G&C Mutual Bank acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today. We support the Uluru Statement from the Heart to achieve justice, recognition and respect for First Nations people.


Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review G&C Mutual Bank's Terms and Conditions before acquiring the product.

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