Low Risk Rated Transaction Type

- No extra authentication required after login

Inquiry Service

Inquiry Service like Balance, Transaction History, Portfolio etc

Debit Card Service

Report Loss

Decrease Card Limit(s)

Account Service

FCY Account Opening

Local Transfer Service

Oversea Remittance Service

Fund Transfer within own DBS Accounts

Delete Payee

Decrease Fund Transfer/Remittance Limit(s)

Other

Change Nickname

Disable Biometric Login

Medium Risk Rated Transaction Type

- Authenticated by Transaction PIN if customer has setup Transaction PIN already

- Authenticated by SMS OTP if customer has not setup Transaction PIN

All transaction not listed in Low Risk Rated, High Risk Rated and Security Related Transaction

High Risk Rated Transaction Type

- Authenticated by Transaction PIN + SMS OTP

Local Transfer Service

Oversea Remittance Service

Add Payee

Edit Remittance Payee

Transfer to new payee

Single or Accumulative Fund Transfer/Remittance Limit >= CNY 50K equivalent

Transfer/Remittance Limit Service

Increase Transfer / Remittance Limit(s)

Debit Card Service

Increase Debit Card Limit(s)

Security Related Transaction

Device Association

Authenticated by SMS OTP

Register for DBS digibank CN

Forget User Name

Forget Login Password

Either approach of identity verification+ SMS OTP (“Verification A”)

Download/Redownload Digital Certificate

Setup Transaction PIN

Forget Transaction PIN

Either approach of identity verification+ SMS OTP (“Verification B”)

Remarks:

- Identity verification approaches include Facial Recognition (applicable to PRC residents only), DBS China Debit Card Authentication and Email Code Validation

- If any identity verification approach has been used in Verification A, then it will be excluded from identity verification approaches in Verification B by system control