Bank with ease

DBS iBanking

Looking for a safe, fast and convenient way to bank and take care of your wealth at your fingertips? DBS iBanking provides a safe and secure environment for you to access your accounts wherever you are!

Only 3 simple steps:

  1. Register for DBS iBanking at our branch
  2. Create a log-in and password
  3. Choose your log-in mode

  • E-Function Introduction

  • iBanking Introduction

  • mBanking Introduction

  • Secure Device Introduction

  • Apply Now   Login Now

    Product Details

     

    • Highly secure system that uses your preregistered mobile phone to accept One Time Passwords (OTP) or Secure Device to accept one-time security PIN to use our iBanking services anytime, anywhere
    • Convenient 24-hour access allows easy account management. You can even carry out invest, time deposit and call deposit transactions
    • Real-time transactions1 and a full range of functions to meet all you daily needs
      Remarks 1: Availability of different kinds of functions could be referred to FAQ for details

     

    Categories

    Descriptions

    Account Inquiry

    Enquire and download your current account, time deposit, call deposit, cheque, loans and investment account transactions.

    Account

    FCY Account Opening

    View E-Statement

    View e-statements online via Internet Banking.

    Local Fund Transfer (CNY)1

    Intrabank/interbank fund transfers, Set scheduled fund transfers, amend or cancel scheduled or recurring fund transfers, fund transfer overview and payee management.

    OTT (FCY)2

    Overseas Funds Transfer, Overseas Funds Transfer Overview and beneficiary management.

    Time Deposit

    Open CNY and FCY time deposit and amend time deposit maturity instructions.

    Call Deposit

    Open CNY and FCY call deposit accounts. Make call deposit requests.

    Investments

    Foreign currency exchange3, LCY/FCY Currency Conversion4, Financial Needs Analysis update and inquiry, Structured Investment Product Subscription, inquiry and delete, Onshore Unit Trust registration and subscription, redeem/switch, order cancellation and inquiry, DBS QDII Product- Overseas Funds Series subscription, redeem/switch, order cancellation and inquiry, investment summary.

    Online Request

    Activate dormant account, request new cheque book, stop payment of cheques, request monthly statement, change card limit, report card lost.

    Personalized Services

    Change customer's profile, username, password, mailing address, login preference, account nickname and provide e-mail and SMS notification services.


    Remarks:
    1. Daily accumulated limit for LCY local fund transfer is 100K RMB (inclusive)
    2. Daily accumulated limit for FCY OTT is equivalent to 100K RMB (inclusive)
    3. FX limit per deal is 100K USD ( inclusive) or equivalent
    4. Yearly accumulated limit for LCY to FCY conversion is 50K USD (inclusive); Yearly accumulated limit for FCY to LCY conversion is 50K USD (inclusive).

     

    You need a valid debit card issued by DBS China. Please ensure that the card functions normally and the identification documents you have submitted are valid.

    Apply for registration of two iBanking log-in modes:

    1. Enquiry Mode:

    • You can only perform enquiry functions under the Enquiry Mode.
    • Click “Sign Up Now” on the log-in page and enter all required information (including debit card number/password, ID type and number).  

    2. Transaction Mode:

    • All iBanking functions are available under the Transaction Mode.
    • To use Transaction Mode, you need to register your mobile phone number at DBS branches to receive OTP (One Time Password) for iBanking transactions. Please visit a DBS branch with your valid identification. If you have already registered for Enquiry Mode, you may directly log into Transaction Mode through the landing page after registering your mobile phone number.

     

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    • Q1: How do I apply for DBS iBanking Service?

      A: DBS iBanking allows our customer to access the Enquiry Mode and Transaction Mode:

      • To apply for Enquiry Mode access, you can go to www.dbs.com.cn, select “Login”, then “iBanking” and proceed with Online Application by clicking on “Register” button. You need to input your debit card number, card PIN, ID type, ID number and Email Address that were used to open account with DBS to complete the Enquiry Mode registration of iBanking.

      • Based on regulatory requirements, for Transaction Mode application, you shall go to any of DBS branches in China to apply and fill in application, register with your mobile phone number to receive OTP (One Time Password) through SMS, collect your registered iB secure device to generate one time security PIN and finish the registration at branch by receiving a notice. Following the notice you will be guided to create your iBanking account step by step. If you have successfully applied for Enquiry Mode before, you can directly access Transaction Mode after you have registered your mobile phone number and got your iB secure device with us.

    • Q2: What is the prerequisite for DBS iBanking?

      A: You can apply for DBS iBanking so long as you have one DBS China Debit Card. Otherwise, please visit any of our branches to apply. Our staff will assist you in issuing debit card and registering iBanking.

    • Q3: What are available services as well as their serving time via DBS iBanking?

      A: The main available services provided by DBS iBanking are:

      TypeServiceServing Time
      Accounts
      Account Overview24 Hours
      Account Balances24 Hours
      Account Activity24 Hours
      Foreign Currency Account Opening24 Hours
      View e-Statement24 Hours
      Transfers
      CNY Fund Transfer
      • Funds Transfer within DBS Accounts (including Transfer to Own DBS accounts and Transfer to Other DBS Accounts): 24 Hours
      • Fund Transfer to Other Banks: Business Hours from 08:00 – 16:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted out of Business Hours stipulated above, it will be automatically processed on the next Business Day.
      Overseas FCY Fund TransferBusiness Hours from 09:00 – 15:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted out of Business Hours stipulated above, it will be automatically processed on the next Business Day.
      Change Limit24 Hours
      Deposits
      Term Deposit Account Opening24 Hours
      Change TD Maturity Instruction24 Hours, but must submit before the last working day before TD matures
      Call Deposit Account Opening24 Hours
      Make a CD RequestBusiness Hours from 08:00 – 16:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted out of Business Hours stipulated above, it will be automatically processed on the next Business Day.
      Investments
      View Investment Summary24 Hours
      Financial Needs Analysis – Core Update/Inquiry24 Hours
      Onshore Unit Trust Registration24 Hours
      Onshore Unit Trust Subscription/ Redemption/ Switch/ Order Cancellation/ InquiryCut-off window till 15:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted after cut-off stipulated above, it will be automatically processed on the next Business Day.
      DBS QDII Product- Overseas Funds Series Subscription/ Redemption/ Switch/ Order Cancellation/ InquiryCut-off window till 14:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted after cut-off stipulated above, it will be automatically processed on the next Business Day. 
      Structured Investment Product Subscription/ Inquiry/ Delete24 Hours, for specific products please refer to related document about subscription time.
      Foreign Currency ExchangeBusiness Hours from 09:00 – 17:30, Mondays to Fridays (with exception of Public holidays).
      CNY/Foreign Currency ConversionBusiness Hours from 09:30 – 16:30, Mondays to Fridays (with exception of Public holidays).
      Services
      Alerts, Messages and Reminders24 Hours
      Setup Account Nickname24 Hours
      Update Mailing Address24 Hours
      Change User ID24 Hours
      Change Password24 Hours 
      Update Personal Information24 Hours
      Change Login Preference24 Hours
      Activate Dormant Account24 Hours
      Request new Cheque Book24 Hours
      Stop Cheques24 Hours
      Request Statements24 Hours
      Change Card Limit24 Hours
      Report Card Lost24 Hours
    • Q4: Which types of customer are able to perform investment related transactions via DBS iBanking?

      A:

      Investment Customer TypeWhether be able to Perform via DBS iBanking
      Structured Investment Subscription
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.Yes
      OthersNo
      CNY to FCY Conversion
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.)Yes
      OthersNo
      FCY to CNY Conversion
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.)Yes
      Resident of Hong Kong and Macau (Account opening identification document is valid Travel permit for residents of Hong Kong and Macau to China Mainland)Yes
      Foreigner (Account opening identification document is valid foreigner’s passport)Yes
      OthersNo
      Onshore Unit Trust Registration, Subscription/ Switch/ Redemption/ Cancel/ Inquiry
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.)Yes
      Resident of Hong Kong, Macau and Taiwan (Account opening identification document is valid Travel permit for residents of Hong Kong and Macau to China Mainland or valid Travel permit for Taiwan residents to China Mainland)Yes
      (Also depends on further approval from related fund house.)
      Foreigner (Account opening identification document is valid foreigner’s passport)Yes
      (Also depends on further approval from related fund house.)
      OthersNo
      First Time Subscription for DBS QDII Product - Overseas Fund Series
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.)Yes
      OthersNo
      Subsequent Subscription for DBS QDII Product - Overseas Fund Series
      Domestic Resident of Mainland China (Account opening identification document is valid second-generation National ID card or temporary ID card.)Yes
      OthersYes
      Note:
      1. For customers related to US, it is prohibited performing transactions with regard to Structured Investment Products, Onshore Unit Trust and DBS QDII Product - Overseas Fund Series.
      2. Please come to any of DBS branch to complete your first Financial Needs Analysis if you want to purchase investment product at first time in DBS.
    • Q5: Which types of transfer are available in DBS iBanking? What is transfer serving time? Is transfer real time?

      A:

      Transfer TypeServing Time
      CNY Domestic Fund Transfer
      Transfer to Own DBS accounts24 Hours, real time if no exception
      Transfer to Other DBS Accounts24 Hours, real time if no exception
      Fund Transfer to Other Banks
      • Business Hours from 08:00 – 16:00, Mondays to Fridays (with exception of Public holidays). Within this window transaction will be processed real time but when amount reaches payee’s account depends on related payee bank.
      • For transactions submitted out of business hours above, it will be processed on next Business Day and on Fund Transfer Preview page notification info in Red will be shown on top of the page.
      FCY Overseas Fund TransferBusiness Hours from 09:00 – 15:00, Mondays to Fridays (with exception of Public holidays). For transactions submitted out of Business Hours stipulated above, it will be automatically processed on the next Business Day. When amount will reach beneficiary’s account depends on Correspondent Bank and Beneficiary Bank.
    • Q6: Is service fee via iBanking cheaper than via Counter Services?

      A: Yes, details as follows:

      • CNY Fund transfer to other Bank no service fee charge till April 30, 2016.

      • Monthly Statement Request

        Mass customerTreasures customer
        10 CNY per transaction5 CNY per transaction
    • Q7: How does transfer status be defined and how to update the status?

      A:

      1. CNY Domestic fund transfer is real time from 8:00-16:00 during working day but the final transaction final status will only be updated during EOD batch: After Customer submits the fund transfer transaction he/she will see the status as In Progress. Customer will not see its final status whether successful or failed till next working day. If customer tends to inquire whether fund transfer is successful or not, please check based on if destination bank account received the amount.

      2. For FCY overseas fund transfer, it is processed manually by back office and no status update. Fund transfer will be proceed during the same day if the instruction is submitted from 9:00-15:00 during working day, otherwise, it will be proceed next working day. Customer will be reached via phone if there is any exception. If customer tends to inquire whether overseas fund transfer is successful or not, please check based on if beneficiary account received the amount.

    • Q8: What types of preparation should I do before making a transfer via DBS iBanking?

      A:

      1. Add Payee:

        For CNY Domestic Fund Transfer, there is no need to Add Payee to transfer within your own DBS accounts. However, you will need to add payee for transfers to other DBS accounts or non-DBS accounts. To add payee successfully, you will need to know and input the correct payee’s bank name, branch name, account name and account number. For other bank account case please input account number or card number based on destination bank, in normal cases for local bank we can input card number. (For some foreign banks in China, might need to input account number, it is recommended to check with related bank before adding payee.)

        For FCY Overseas Fund Transfer, you ought to add beneficiary first. Please ensure input the correct info like: Beneficiary Bank info, Corresponding Bank info, Beneficiary Name, Beneficiary Account Number, Beneficiary Address etc. For Beneficiary Account Number, please input the account number, not the card number.

      2. Transfer limits:

        There are 2 types of limits: the Daily Limit and Transaction Limit. Daily Limit is the maximum amount which you are allowed to transfer via iBanking daily, which is set at a maximum of 100,000 CNY; while Transaction Limit is the maximum amount which you are allowed to transfer in a single transaction. CNY Domestic Fund Transfer and Overseas Fund Transfer Daily and Transaction Transfer limits are all set as 0 by default, thus it is required to set before performing fund transfer to other Bank/other DBS account or Overseas Funds Transfer at first time.

    • Q9: What should I do if I cannot find related destination bank from Bank Name dropdown?

      A: If you cannot find your destination bank from Bank Name dropdown, please try following:

      • Please check whether your destination bank is categorized as 农村合作银行( e.g. 江苏泗洪农村合作银行), if yes then please choose “农村合作银行(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      • Please check whether your destination bank is categorized as 村镇银行( e.g. 江苏灌云民丰村镇银行), if yes then please choose “村镇银行(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      • Please check whether your destination bank is categorized as 城市商业银行( e.g. 广州银行), if yes then please choose “城市商业银行(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      • Please check whether your destination bank is categorized as 农村商业银行( e.g. 福建石狮农村商业银行), if yes then please choose “农村商业银行(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      • Please check whether your destination bank is categorized as 城市信用合作社( e.g. 大兴安岭塔河城市信用社), if yes then please choose “城市信用合作社(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      • Please check whether your destination bank is categorized as 农村信用合作社( e.g. 乐山市五通桥区农村信用合作社), if yes then please choose “农村信用合作社(合集)”, then after selecting the corresponding Province and City, you will probably be able to find the bank from Branch field.

      If your problem still persists, please contact the destination bank or call 4008208988 to contact our customer service for help.

    • Q10: Why did I encounter exception when trying to change limit?

      A: Please be informed that Transaction Limit cannot be greater than Daily Limit. And the maximum Daily Limit allowed in iBanking currently is 100, 000 CNY.

    • Q11: Why did I encounter exception when performing fund transfer service?

      A: If your Fund Transfer request has been processed but not successful, it is usually due to wrong payee information, or an error with the payee’s bank. Please check with payee’s bank for additional information.

    • Q12: What happens if I forget my iBanking User ID or Password?

      A: You can utilize links provided on iBanking login page to re-print iBanking User ID or reset password.

    • Q13: Why do I encounter a failure when I attempt to log in to DBS iBanking?

      A: The usual login failure encountered is due to customers’ account being dormant or there is a temporary error in the system. You can call 4008208988 to contact our customer service for help.

    • Q14: Why did my iBanking Online Application/ Reset Password/ Reprint User ID encounter a failure?

      A: This is usually due to customer’s debit card being in an abnormal status (for example, suspended due to debit card loss report), wrong debit card password, or wrong password input for more than 5 times. By the way, if you input National ID card number and if its last character is an alphabetical character, ensure to make it capitalized. You can call 4008208988 to contact our customer service for help.

    • Q15: If I enter the wrong iBanking password, will the system immediately suspend my iBanking service?

      A: If you have entered the wrong OTP number for 5 times, the system will suspend your iBanking service for security purpose. Once your iBanking service is suspended, you will either utilize “Reset your Internet Banking Password” service by using iB secure device to unlock your account or go to any of our branches to unlock it.

    • Q16: Will my iBanking session be automatically terminated and logged out?

      A: If we detect that there is no transactions done after more than 10 minutes in your session, we will prompt you if you would wish to continue with the session. If there is no response to this prompt after 5 minutes, the system will automatically log you out.

    • Q17: Is it safe to use DBS iBanking?

      A: Our customers’ details and transactions are safely kept by us. The SMS OTP or iB secure device generates a unique number every time it is being triggered. Hence, starting from the point where customers log in, till they start to do non-financial/financial transactions, the SMS OTP or iB Secure PIN will act as a security barrier to protect your access and transactions and prevents your personal details from being stolen.

      On top of that, our iBanking website uses a 128-bit Extended Validated Secure Socket Layer (SSL) for encryption. All information that you key in on the site will be protected and kept confidential under SSL. In the event that the data is being stolen, the SSL encryption will prevent your information from being decrypted. Our iBanking website is hosted behind a HTTPS page, which is more secure than the usual HTTP. If you need to verify that the iBanking site you are visiting is legitimate, look out for the small lock icon usually located in the lower right hand corner of your Web browser window.

    • Q18: What is the SMS OTP?

      A:The OTP is the 2nd layer authentication tool used by DBS to authenticate customers. When a customer tries to do a transaction that requires 2nd layer authentication, a unique random OTP will be generated and sent to the customer via the mobile number that the customer registered with us to receive the OTP. The SMS OTP has only got a validity of one-time use within a certain short timeframe. For every new login session, change of personal particulars, transactions via iBanking, you will need to receive and input the SMS OTP or iB Secure PIN or the combination. This is to ensure additional authentication and security.

      If you receive a SMS OTP number while you are not logging in your DBS iBanking or doing transaction, please dial 4008208988 and notify our customer service immediately.

    • Q19: What is the mobile number for DBS iBanking to send SMS message for SMS OTP?

      A: In normal case 106905158988 is being used to send SMS OTP. In addition, there are some following alternate mobile numbers to send SMS in case there is any issue on the primary number: 006592977432, 006598163899, 0085264506614.

    • Q20: Can I receive the SMS OTP number when I am overseas?

      A: Yes, you can, provided you have activated the international auto-roaming service on your mobile number. Any charges incurred while using auto-roaming will be based on your mobile service provider.

    • Q21: Can I receive the OTP number using a foreign mobile number?

      A: Yes, you can.

    • Q22: What should I do if I lost my iB Secure Device or it is broken? Any fee charge required?

      A: If you lost your iB Secure Device or it is broken, please go to any of our banking branches in China to replace a new one and it is free of charge as of now.

    • Q23: If I enter the wrong SMS OTP number or iB Secure PIN, will the system immediately suspend my iBanking service?

      A: This depends.

      If during iBanking login, you have entered the wrong SMS OTP number or iB Secure Device PIN for 5 times, the system will suspend your iBanking service for security purpose. Once your iBanking service is suspended, you will either utilize “Reset your Internet Banking Password” service by using iB secure device to unlock your account or go to any of our branches to unlock it.

      If after successful login and you are performing transaction which requires authentication, once you have entered the wrong SMS OTP number or iB Secure PIN for 3 times, then system will force you logout but doesn’t suspend your iBanking service. You can continue for further transactions after successful relogin.

    For more queries regarding to iB Secure Device please refer to FAQ for “Secure Device”.

    For enquiries, please contact our 24-hour customer service hotline at 4008208988.

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