Frequently Asked Questions

General FAQ on iB Message

What is iB Message?

POSB iB Message is an iBanking security feature introduced by POSB Bank. iB Message comprises the following services

For authorization - A single-usage "One Time Password" (OTP) will be sent to your mobile phone or message pager via SMS or message page. This single-usage OTP is used to authorise your DBS/POSB Funds Transfer Application or Interbank Funds Transfer Application on POSB iBanking.

For notification - An SMS will be sent whenever the following transactions are successfully completed:
- Add New DBS/POSB Payee
- Add New Other Bank Payee
- Funds Transfer To Other DBS/POSB A/C*
- Funds Transfer To Other Bank*
* For transactions of S$1,000 and above.
Which iBanking services/ transactions would require OTP Authorisation via iB Message?

The following services/ transactions would require OTP Authorisation:
- Funds Transfer: Add New DBS/POSB Payee
- Funds Transfer: Add New Other Bank Payee
- PayEasy: Add New iB Cheque Payee
- PayEasy: Add New iB Demand Draft Payee
- Bill Payment: Pay Bill to Certain Billing Organizations
What details would iB message include?
For Authorisation
- For adding a 3rd party DBS/POSB funds transfer it will read:
  Fr: DBS iB
  WARNING: Use this One-Time-Password (OTP) ONLY if adding a New Payee OR Bill Payment. Your OTP is dWhP-xxxxxxxx. Ref: xxxxxxxxxx (Details: <Payee Account Number>)
- For adding an inter-bank funds transfer it will read:
  Fr: DBS iB
  WARNING: Use this One-Time-Password (OTP) ONLY if adding a New Payee OR Bill Payment. Your OTP is dWhP-xxxxxxxx. Ref: xxxxxxxxxx (Details: <Bank Code>-<Branch Code>-<Payee Account No>)
- For adding an iB Cheque payee it will read:
  Fr: DBS iB
  WARNING: Use this One-Time-Password (OTP) ONLY if adding a New Payee OR Bill Payment. Your OTP is dWhP-xxxxxxxx. Ref: xxxxxxxxxx (Details: <Payee Name>, Singapore <Payee Address Postal Code>)
- For adding an iB Demand Draft it will read:
  Fr: DBS iB
  WARNING: Use this One-Time-Password (OTP) ONLY if adding a New Payee OR Bill Payment. Your OTP is dWhP-xxxxxxxx. Ref: xxxxxxxxxx (Details: <Payee Name>, <Payee Addr Country>)
- For paying bill it will read:
  Fr: DBS iB
  WARNING: Use this One-Time-Password (OTP) ONLY if adding a New Payee OR Bill Payment. Your OTP is dWhP-xxxxxxxx. Ref: xxxxxxxxxx (Details: <Billing Organization Name>-<Customer Reference Number>)
For Notification
- For adding of 3rd Party Funds Transfer Payee it will read:
  Fr:DBS iB-You've added <Display_payee_name>(A/C No: XXXXXXXXXXXXXXXX1234) as your New DBS/POSB Funds Transfer Payee on DD/MM/YY.
- For adding of Other Bank Funds Transfer Payee it will read:
  Fr:DBS iB-You've added <Display_payee_name>(A/C No: XXXXXXXXXXXXXXXX1234) as your New Other Bank Payee on DD/MM/YY.
- For 3rd Party Funds Transfer (Immediate) it will read:
  Fr:DBS iB-You've completed an immediate DBS/POSB Funds Transfer to <Display_payee_name> (A/C No: XXXXXXXXXXXXXXXX1234) - S$XXXXX.XX on DD/MM/YY.
- For 3rd Party Funds Transfer (Future Dated) it will read:
  Fr:DBS iB-You've completed a DBS/POSB Funds Transfer future dated to DD/MM/YY for <Display_payee_name>(A/C No: XXXXXXXXXXXXXXXX1234) - S$XXXXX.XX on DD/MM/YY.
- For Other Bank Funds Transfer (Immediate) it will read:
  Fr:DBS iB-You've completed an Other Bank Funds Transfer to <Display_payee_name>(A/C No: XXXXXXXXXXXXXXXX1234) - S$XXXXX.XX on DD/MM/YY.
- For Other Bank Funds Transfer (Future Dated) it will read:
  Fr:DBS iB-You've completed an Other Bank Funds Transfer future dated to DD/MM/YY for <Display_payee_name> (A/C No: XXXXXXXXXXXXXXXX1234)- S$XXXXX.XX on DD/MM/YY.
- For Telegraphic Transfer it will read:
  ALERT: You've submitted an overseas fund transfer request on DBS/POSB iBanking. For any enquiries please call 1800 111 1111 or (65) 6327 2265.
How does iB Message authorisation and notification benefit me as an iBanking user?

Internet comes with its inherent risks where hackers readily exploit the internet for their personal gain. Hence, adequate security measures and good practice must be adopted when you surf or transact on the Internet. iB Message is an additional security feature that uses a "One Time Password" (OTP) authorisation and SMS notification for your peace of mind.
How do I apply for iB Message?

You apply for iB Message only once at any DBS/POSB ATM. The service will be activated immediately:

To apply at the ATM, simply select:
- iBanking, Cash Card & More Services
- PIN/iB Message Service
- Apply/Upd iB Message Service
- Key in your personal mobile phone or message pager number
If you do not have internet access or access to our ATMs, you can apply for this service by completing the Application Form. Your application will be activated 3 working days upon receipt of your form.
How fast will I be able to receive the OTP?

Typically, you should receive the OTP within a few seconds after submitting the application to add new payees.

As the OTP is delivered using SMS or message page, it is dependent on the mobile operator's network and traffic condition. Therefore, there may be some delays during peak periods or on certain days (e.g. public holidays like Christmas).
Is the service chargeable?

The service is currently offered free of charge.
Which are the mobile service providers supported?

In Singapore, Singtel Mobile, M1 and StarHub are supported. If you are using an overseas mobile service provider, your service provider must be on GSM network and provides SMS service.
How can I update my mobile phone number registered for iB Message?

You apply for iB Message only once at any DBS/POSB ATM. The service will be activated immediately.

To update at the ATM, simply go to:
- iBanking, Cash Card & More Services
- PIN/iB Message Service
- Apply/Upd iB Message Service
- Enter your new mobile number
If you do not have internet access or access to our ATMs, you can update your number by sending in the Update Fund Transfer Limit & iB Message Contact Number . In this case, your update will be activated 3 working days upon receipt of form. Please note that the phone number updated at POSB iBanking's "Change of Personal Particulars" service will not be reflected for iB Message.
Can I use the service overseas?

iB Message relies on SMS & message paging technology. Your mobile service operator will be able to give you specifics on receiving SMS sent from Singapore whilst overseas. Typically,
- if you are subscribing to a local mobile service provider, you must have auto-roam service activated for your line & the country you are travelling to should also support GSM and SMS.
- if you are using an overseas service provider, GSM and SMS must be supported by that service provider.
What if my overseas mobile service provider or the country I am travelling to does not support SMS and GSM?

As you cannot receive iB Message, you will not be able to add funds transfer payee online. You may however add a payee by submitting the Add New Funds Transfer Payee (DBS/POSB Customer) or Add New Funds Transfer Payee (Interbank) form. Before travelling to a country which does not support SMS and GSM, you are encouraged to add your payees online beforehand.
What if I do not own a mobile phone or message pager?

If you have not registered for iB Message, you can add a payee by mailing the Add New Funds Transfer Payee (DBS/POSB Customer) or Add New Funds Transfer Payee (Interbank) form to us.
Can I use/share with someone else a common mobile phone/message pager number for iB Message?

iB Message will be an integral part of the overall iBanking security. It will also serves as a dedicated communication channel between POSB and you for critical information. Therefore, sharing your mobile phone or message pager number with anyone for iB Message will not be supported.