See below how to update your spending limits to avoid declined transactions.
Once set up, you’ll approve your online purchases in your app or with an SMS One Time PIN (OTP).
Note: Your online shopping limit is not the same as your card purchase or ATM limit and must be set separately.
- Sign in on our app
- Tap Cards
- If you have more than one card, choose the card you want to use
- Tap Set temporary limits or Update permanent limits
- Choose Cash withdrawals, Card machine, or Online/Scan to Pay
- Enter a limit amount and tap Set
- Tap Confirm and enter your PIN or biometrics
- Sign in with your password/Remote PIN
- Click View my list of cards
- Select the relevant card
- Click Update daily card limits
- Enter your permanent/temporary daily limit for Cash withdrawals, Card machine, or Online/Scan to Pay
- Accept the agreement by clicking Update daily card limits
A service consultant will help you increase your card limits.
Authentication process
On our app
- After checkout, you'll receive an in-app notification
- Choose either Approve, Cancel or Suspect Fraud
- Enter your PIN or use biometrics to authorise the transaction
If you can’t authenticate using our app, you'll receive an SMS that contains a One-Time PIN (OTP).
The SMS OTP has replaced the *120*3279# online shopping authentication method.
SMS OTP
- After checkout, you'll receive an SMS notification with a 6-digit OTP to the phone number associated with your bank account (verified phone number)
- Enter the OTP on the merchant website to authorise the transaction and finalise the purchase
