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 on login and to confirm certain transactions. It will be sent to your mobile phone via SMS to provide an extra level of authentication.

An SMS One Time Password is required on login and 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 on login and 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.