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.
The OTP service via text is free within the UK. If you’re overseas or using an overseas service provider, your service provider may levy charges. Ask your telecommunication service provider for details.
If you’re overseas and using overseas mobile service providers, the service provider may not support the receipt of international texts. Remember to activate your roaming service to ensure you can receive the OTP. Ask your telecommunication service provider for details.
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 make sure we have your up to date your mobile phone number.