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One-time password (OTP)

Making your online payments even more secure.

Simple and secure

Keeping your transactions secure does not have to be complicated.

You can now receive a one-time password (OTP) sent to your registered mobile number and use it to authenticate payments made online with your HSBC debit or credit card.

How to use OTP for online payments

Step1: Enter your details to begin the transaction. Don't forget to check them before you proceed.

Visa/Master card details screen

Step2: Enter the OTP you received and make sure it matches. Do not share the OTP with anyone else.

Authenticate transaction screen

Step3: Your transaction will be completed once you've entered your card information and the OTP correctly.

SMS for one-time password message screen

Why use OTP when making online transactions

  • Security

    It provides another layer of safety to your transactions.

  • Simplicity

    It's easy to use and you won't need any additional software to use it.

  • Availability

    It can be used in transactions with a range of registered Visa International and Mastercard Secure Merchants.

  • Free of charge

    It's available to you at no extra cost.

Frequently asked questions

Other ways to bank

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Bank securely at any time from the comfort of home.

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Manage your money easily from the palm of your hand.

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Stay on top of your finances simply by giving us a call.

To authenticate your online transactions using OTP, you'll need to register an up-to-date mobile number with us. It can be a local or international number.

OTP replaces the current Verified by VISA and Mastercard SecureCode authentication process where you would need to enter a secure pay password or answer additional security questions.

OTP is available for transactions with online merchants who are registered as Secure Merchants with Visa International and/or Mastercard only.

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