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One-Time PIN (OTP) Authentication
Secure Online Banking. Powered by Citi.
In our continuous effort to make Citibank Online a secured banking environment for you, we have introduced a second level of authentication for all online transactions.
You will be required to enter a One-Time Password (OTP); a single-use random Password that will be sent to you via SMS or generated by your Online Security Device (OSD) as a second level of authentication in addition to your Citibank ATM/Debit card number and PIN to effect an online transaction at Citibank Online or Citi Mobile.
2 simple steps to start banking online:
Level 1: Login to citibank.com.sg with your 16 digit ATM/Debit card or credit card and PIN
Level 2: You will be required to enter the One-Time Password (OTP) generated by your Online Security Device or sent to your mobile phone to authorize online transactions.
FeaturesHow does OTP workRegistering Your OSDfAQ
Examples of transactions that requires OTP:
  • Account details and activity
  • Payments and Transfers
  • View Electronic Statements
  • Investment Services
  • Brokerage Services
  • Change ATM Password
  • Citi Alerts Enrolment
  • Credit Line Increase
  • COE Bidding
Ways to obtain your One-Time Password (OTP):
1. Receive your One-Time Password (OTP) via SMS
The Primary mode of receiving your One-Time Password (OTP) is via SMS.
When you login and click on a transaction that requires the One-Time Password (OTP), a One-Time Password (OTP) will be generated to your mobile phone*.
*In order for you're to receive your One-Time Password (OTP) successfully, it is important to update the bank with your latest mobile phone number.
2. Generate your One-Time Password (OTP) with the Online Security Device (OSD)
A one time registration is required to activate your online security Device (OSD) click here for the step by step guide. To enhance security, the new online security tokens has been pre-registered to your profile, you can start banking immediately.
  This token is compatible for transaction signing and other additional functionalities which are not available at the moment. We will inform you on instructions and procedures when the additional functionalities are available.