Bank
Digital Services
Transaction PIN and it’s Digital Certificate

Digital Certificate and 6-digits Transaction PIN is introduced to provide a secure way of performing transactions which require a higher level of authentication without the need of carrying a physical Secure Device.

Transaction Risk Level and When Transaction PIN shall be used

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

Frequently Asked Questions

Q1: What is Transaction PIN and Digital Certificate?

The digital certificate uses a secure encryption algorithm to protect your transaction. You can download digital certificate and setup 6 digits Transaction PIN in your phone for DBS digibank CN transaction authentication.

Q2: Do I need to keep DBS physical Secure Device issued for internet banking?

No. Transaction PIN as well as it’s digital certificate will take the role to facilitate transactions which require a higher level of authentication.

Q3: Can I use original Transaction PIN if I changed mobile phone?

A digital certificate is for one person in one mobile only. Therefore, you can download the digital certificate in the new mobile phone and then original Transaction PIN can be used in new device. The digital certification in old mobile phone will be automatically become invalid once you complete redownloading.

Q4: What shall I do if I lost my mobile phone?

Please call DBS Hotline 4008208988 immediately to apply for digital certificate revocation, or you can download the digital certificate in the new mobile phone thus your previous digital certification in lost mobile phone will automatically become invalid.

Q5: Can I use DBS digibank CN without downloading digital certificate in my mobile phone?

You can authenticate via SMS One-Time-Password for transactions which do not require a higher level of authentications.

It’s recommended that you use digital certificate and transaction PIN. Once you have completed digital certificate download and transaction PIN setup, all medium risk rated transactions shall by default be authenticated by Transaction PIN as well.

If you delete DBS digibank CN app, revoke the digital certificate or change a mobile phone, please redownload the digital certificate. The original Transaction PIN can be continually used.

Q6: Can I use Transaction PIN if I have more than one mobile phones?

The digital certificate can be only downloaded and installed in one mobile phone. The original digital certificate will become invalid in old mobile phone once you complete redownloading in new mobile phone.

Q7: Can my family mates use my phone to perform transactions by their own digital certificate and transaction PIN?

Only one digital certificate can be installed in one mobile phone. If there is valid digital certificate in the mobile phone, others cannot download another digital certificate in the same mobile phone.