OTP Service is a security feature provided by Royal Bank of Scotland. When you make an online transaction with your Commercial or Business Card after 14th September 2019, you may receive an OTP through an SMS to your registered mobile phone number or registered email address.
OTPs are not required for all online transactions, however, occasionally you will be asked to carry out the OTP authentication. Simply enter the OTP when prompted to authenticate your transaction.
The OTP service via SMS is free within the UK. If you are overseas or using an overseas service provider, your service provider may levy charges. Ask your telecommunication service provider for details.
The OTP service via email is free, no charges are applicable.
Using an OTP provides extra protection against online fraud. If fraudsters obtain your card information, they won't be able to use it for online transactions without the OTP sent to your mobile phone or email address.
If you are overseas and using overseas mobile service providers, the service provider may not support the receipt of international SMS. Remember to turn on your mobile phone and activate your roaming service to ensure you can receive the OTP SMS. Ask your telecommunication service provider for details.
Report your loss to your mobile service provider immediately to suspend your mobile service. If your commercial or business card information is stolen, they won't be able to receive your OTP and use it for online transactions.
No. As a part of the Payment Services Directive 2 (PSD2), we must introduce strong customer authentication. Using an OTP will be the only way to authenticate online transactions. So, it's important to ensure your mobile phone number and email address registered with the bank is up to date.