Digital Token Authentication for Online Card Transactions

3D Secure (3DS) is an added layer of security feature powered by Mastercard, Visa, AMEX and UnionPay to protect credit and debit cardholders from unauthorised online card transactions. This service is available at 3DS merchant websites/apps where an additional password protection like Digital Token or SMS OTP is required to authenticate the online card transaction.

This is dependent on the merchant's websites/apps. If the merchant websites/apps you transact on supports 3D Secure technology, you may be prompted for further verification (such as Digital Token or SMS OTP authentication) before completing the online card transactions.

When a cardholder makes a purchase at a merchant websites/apps that uses 3DS, the tapping on a push notification sent via your digibank/iWealth app a or entering a OTP sent via SMS, before the transaction can be completed.

To authenticate your online purchases, either tap on the push notification sent to your mobile phone, or tap on the digibank/iWealth app icon. Once the app is launched, tap the button “Tap to approve” to complete your authentication.

Please enable push notification on your mobile phone and ensure stable network connectivity.

If you are still unable to receive the Digital Token push notification, after attempting a 3DS transaction, please go to your digibank app and tap on “Digital Token” next to the Login button to authenticate your transaction.

You don’t need to log in.

You can enable notification in one of the following ways:

For IOS devices:

Step 1: Access Settings > Select Notifications

Step 2: Select digibank/iWealth app > Turn on Notifications

For Android devices:

Step 1: Access Settings > Select Apps & Notifications

Step 2: Select Notifications > Select App Notifications

Step 3: Select digibank/iWealth app > Turn on Notifications

Simply set up the Digital Token on your device during your first log in or go to More Services -> Set up Digital Token on your digibank app. For more details, refer to the set up process here.

No, you do not need to setup or re-setup digital token again.

Simply set-up the Digital Token on your new device on your first login. Kindly refer to the set-up process here.

Upon successful setup, the digital token on your previous mobile device will automatically be deleted.