In addition to the unique login name and password, the OTP further improves the security level of Fubon Internet Banking by providing an additional password for authenticating designated online transactions.

It is available for both personal and joint account (either one to sign) customers, either new or existing Fubon Internet Banking customer, and must have a local mobile numbers.

Whenever you perform the following services through Fubon Internet Banking Service, an OTP is required:

• Fund transfer to un-registered self-own or third party accounts in Fubon or other bank in Hong Kong either through CHATS or Electronic Clearing; and
• Bill payment to designated payees*

As an existing customer of Fubon Internet Banking Service, you may register your mobile phone number for the OTP Service in one of the following registration methods:

• Download the registration form and return the completed document to Fubon Bank; or
• Visit any Fubon Bank branch

The above procedure also applies to subsequent change of designated mobile number for receiving the One Time Password.

After successful registration, you will subsequently receive an OTP through your registered mobile phone number every time you perform any designated services in Fubon Internet Banking Service.

There are simply 3 steps:

1. Whenever you perform a designated transactions (e.g. bill payment to certain merchants or fund transfer to non-registered accounts in Fubon Bank or other banks in Hong Kong), you will receive an OTP in SMS format via your registered local mobile number.
2. Simultaneously, there is a message on the Internet Banking web screen asking for your input of the transmitted OTP through your mobile phone.
3. Follow the instructions to input OTP number appeared on your mobile into the required field on the web screen and then hit [Confirm] button. The transaction will be executed and you will receive the confirmation message.

It is subject to your mobile service provider which they may not support receipt of international SMS. Please consult your mobile service provider and/or hardware supplier for details.

The OTP Service is totally free of charge if you receive an OTP via SMS in Hong Kong, but there may be service charges levied by your service provider. If you are overseas or using overseas mobile service providers, your mobile service provider may also levy charges. Please consult your mobile service provider for details.

SMS-based One Time Password (OTP) and related notification SMS issued by our bank will be sent to your registered mobile phone number only. The OTP and related notification SMS will not be forwarded even though you have enabled "SMS Forwarding" service provided by the telecommunication company.