Smart OTP

30/07/2021 01:58 PM

To ensure the safety of customers, most of Vietcombank's Digital banking transactions require two-factor authentication that includes:

  • User-defined information (PIN, password, fingerprint, FaceID ...)
  • And OTP (One-time verification password) is sent via SMS to customers' registered phone numbers. OTP can be sent via SMS or through other forms (smart OTP application, Hard Token ...)

Previously, Vietcombank provided 02 Smart OTP versions for transactions on VCB Digibank including:

  • Independent application: Used to generate OTP code for VCB Digibank transactions on web browser.
  • Integrated in VCB Digibank application: Used to generate OTP code for transactions on VCB Digibank application.

In order to provide convenience and simplicity to customers, from 14/07/2022, Vietcombank introduces the integrated Smart OTP, which can verify for all transaction on App and Website of VCB Digibank

The integrated Smart OTP feature is available on App VCB Digibank, therefore, customers when making transaction on Web won’t need the separated Vietcombank Smart OTP app anymore, all verification can now be done via the Smart OTP feature located at the login screen of VCB Digibank.

  • High money transfer limit: 03 billion VND/transaction/day for general customers and up to 10 billion VND/transaction/day for Priority customers.
  • Totally free​​​​​​​
  • Convenient and easy: Transaction anytime, anywhere, cross-border, receiving OTP code even without internet connection.
  • Safer and more secure: with multiple layers of security (phone password, app password, keyboard random display...).
  • Register online (no need to go to the counter).

​With Smart OTP, customers can actively receive the OTP code to complete the transaction without having to wait for the OTP code via traditional SMS by the bank.

Noted: After successfully activating Smart OTP, customers need to authenticate 2 transactions with OTP codes sent via SMS as usual before switching to Smart OTP authentication.

This policy is to ensure the safety of the customer's account (in case the customer is at risk of information disclosure and Smart OTP is activated by the crooks to transact with a high limit).

Instructions to download and install Smart OTP

Click here

Instructions for verifying transactions on VCB Digibank application using Smart OTP

Click here

Instructions for verifying transactions on VCB Digibank website using Smart OTP

Click here

​Totally free​​​​​​​

Term and Conditions

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