OCBC mobile, a mobile banking app by OCBC, is a one-stop digital solution for all your banking needs. It is important to ensure that all transactions on OCBC mobile are smooth and secure. Increasingly sophisticated technology nowadays is also causing an increase in cybercrime. One of the targets is mobile banking accounts, with the aim of draining the customer's money in it.

OCBC mobile implements Two-Factor Authentication (2FA) or two-step verification to maintain transaction security:

• Password
  To log in to online banking (OCBC mobile or Internet Banking). As an alternative to Password, customers can also activate Fingerprint/Face ID to log in to OCBC mobile.
• Transaction PIN
  To authorize transactions. If you forget your Transaction PIN, it can be reactivated (as long as it is not blocked) through the Settings menu.

Always keep the confidentiality of your Password and Transaction PIN confidential to avoid any misuse by third parties.

Keeping Your OCBC mobile Secure:

• Do not share your OCBC mobile Password or Transaction PIN with anyone including the Bank
• Activate your banking account’s authentication service
• Always update the OCBC mobile app
• Do not jailbreak your smartphone, because this illegal act will make your data vulnerable to hackers.

A debit card is a transaction tool that can be used for payments by deducting funds from a bank account, as an option to cash. There are various types of Debit Card misuse as illegal means of payment, one of them is skimming. Perpetrators obtain and copy the customer’s data information contained in the Debit Card strip (on the back of the debit card, usually in black color). This action can occur when a customer uses an ATM service.

Tips to Avoid Debit Card Fraud:

• Chip Based Security
  Make sure your Debit Card is already equipped with the more secure chip technology. If you are still using the old type, exchange it to the nearest branch immediately.
• 6-Digit Debit PIN
  Make sure you use a 6-digit PIN every time you make a payment transaction with Debit Card.
• Change PIN Periodically.
  Avoid PIN number that can be easily guessed, such as your birthday or wedding date.
• Make sure your debit card is always under your supervision
  Store and take care of your Debit Card properly, don't let your Debit Card change hands carelessly.
• Report to the Publisher if Loss Occurs
  Report to your bank or issuer as soon as you notice your Debit Card is lost or stolen. Do it as soon as possible to prevent identity theft or loss of funds in the account.

Credit cards are vulnerable to being misused by criminals as illegal payment instruments. The crime mode is under the guise of submitting an Unsecured Loan online or using data-duplicating tools such as EDC machines used for credit card payments. For administrative reasons, certain agencies often require a photocopy of an ID card or other documents. For security reasons, never duplicate Credit Cards by photocopying because they can be misused for transactions.

Banks will never ask for a photocopy of a credit card as a required document.

Tips to Avoid Credit Card Fraud:

• Keep Personal Identities Confidential
  Do not provide any information related to Credit Cards to anyone, such as: biological mother's name, credit card validity period, card limit, and especially the three digits on the back of the card called CVV (Card Verification Value).
• Use PIN for Transactions
  Use a PIN with a combination of numbers that is easy to remember, but avoid using your personal, child or spouse's date of birth as a PIN number because they can be easily guessed.
• Enable Transaction Notifications
  Arrange the setting to receive SMS notifications automatically for every Credit Card transaction. If you get a notification even though you don't make a transaction, immediately report it to the card issuing bank.
• Make sure your credit card is always under your supervision
  Store and keep credit cards properly; don't let them change hands. Keep a close eye on every transaction made at restaurants, stores, and other places.
• Report to the Issuer in the event of a Loss
  Report to the bank when your credit card is lost or stolen. Do it as soon as possible to prevent identity theft or having to pay undue bills.

Online Debit Card is a transaction tool similar to a Credit Card or Debit Card, equipped with a card number, three CVV (Card Verification Value) numbers and an expiration date. Online Debit Cards are used to transact online in e-commerce or subscription entertainment service provider applications such as Netflix, Spotify, and so on. For OCBC customers, Online Debit Cards can be created & used through the ONe Mobile application.

Tips to avoid Online Debit Card fraud:

• Keep personal data confidential
  Do not provide information about personal data to anyone, such as User ID, Mobile Banking Password, cellular phone number, and others.
• Utilize the security features of your Online Debit Card
  Some Online Debit Cards have features to enhance security. Through ONe Mobile app, you can set transaction limits of Online Debit Cards, thereby reducing the risk of large amount transactions.
• Only do transactions at trusted e-commerce/sites
  Online Debit Card balance is connected to savings account, so transactions will be immediately deducted from the account balance. To ensure that your transactions are safe, make sure you only shop at trusted e-commerce, apps, or sites.
• Block immediately when there is a suspicious transaction
  If you receive a notification of a suspicious transaction, block your Online Debit Card immediately and report it to the Bank.

QR Pay on OCBC mobile is a non-cash payment feature at all merchants which implement the QRIS standard. Payment using QR Pay is very easy, but you still need to pay attention to payment security to avoid unwanted things.

For more secure QR Transactions:

• Protect your OCBC mobile User ID and Password
  When using QR pay in public areas, make sure you protect your OCBC mobile password information from those around you. For safer option, you can activate Fingerprint/Face ID to log in to OCBC mobile.
• Check carefully before making payment
  Doing transactions using QR are easy & fast, but it's always a good idea to check more carefully before approving the transaction.
• Be careful of the QR code scanned
  It is difficult to distinguish the legitimate QR code from the fake ones. So, it's better to be more cautious when scanning a QR code that automatically links to a certain website, because it might have been set up to exploit personal data or contain viruses.

Poinseru is a program as well as a loyalty platform which gives rewards in the form of points for every transaction made by OCBC customers. Be cautious when logging into Poinseru with your internet banking/mobile banking User ID and password, because they can also be used to access your savings account.

Tips for secure transactions with Poinseru:

• Do not share your Internet Banking/Mobile Banking User ID or password to other people including bank officers
• Do not record Internet Banking/Mobile Banking User ID or password on any media
• Always log out and clear cache after redeeming points
• Easily change passwords via OCBC mobile for better security

You can redeem your Poinseru for prizes in the form of vouchers and goods. To maintain security when redeeming Poinseru, you need to verify (authenticate) with Transaction PIN on OCBC mobile, then enter the response code displayed on OCBC mobile to the Poinseru website page.

Safety tips when redeeming Poinseru:

• Do not share your OCBC mobile PIN transaction code with other people including Bank officers
• Do not record your OCBC mobile PIN Transaction in any media
• Create or change your PIN Transaction easily via OCBC mobile for better security