A one time passcode (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 14 September 2019, you may receive an OTP by text to your registered mobile phone number.
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.
In addition to online transactions, you may find that we also need to send you an OTP when you login to ClearSpend or CardsOnLine.