What is VCB Smart OTP? Step-by-step guide on how to register and use VCB Smart OTP from A to Z.

Vietcombank Smart OTP is a verification method used for transfer and bill payment transactions at Vietcombank. It is known as a highly secure security feature for users. So what is VCB Smart OTP? How to register VCB Smart OTP? Let’s read the article shared by FPT Shop below to find out.

What is VCB Smart OTP?

Vietcombank Smart OTP is a tool for generating authentication codes to use when performing transactions at Vietcombank, such as withdrawing money using QR Vietcombank code, registering for Vietcombank SMS banking, and many other services. To register for VCB Smart OTP, your phone number must be the number currently used for using Vietcombank services.

In simpler terms, VCB Smart OTP is a type of one-time security password. The OTP code will be sent via SMS, Hard Token, or Smart OTP application immediately after completing the transactions. Since OTP is a type of security code generated by the system and will automatically expire after a certain period of time, it can only be used to verify a single transaction.

Notable advantages of Vietcombank Smart OTP

It is no coincidence that Vietcombank’s Smart OTP feature is trusted and used by many users. That’s because this application offers users many notable advantages:

• Extremely convenient and easy to use: Vietcombank’s Smart OTP allows users to perform transactions anytime, anywhere, even when traveling abroad. What’s more special is that users can also receive OTP codes when the device has no internet connection.
• Support for high transaction limits: For regular individual customers, the transaction limit can be up to 3 billion VND per transaction. For preferred customers, the transaction limit can be up to 10 billion VND per transaction per day.
• Ensure safety and high security: Users can fully trust the level of security of Vietcombank’s smart OTP. Because the OTP code is protected by multiple layers of security such as VCB Digibank password, phone password, and Smart OTP application PIN code.
• Completely free: The Smart OTP service does not cost any fees, so you can use it with peace of mind.

Should you use VCB Smart OTP?

If you are still wondering what VCB Smart OTP is and whether you should use it or not, the answer is yes. Because Smart OTP is considered a method that brings excellent technology experience to users. Currently, receiving OTP codes via SMS will be limited when moving to other countries. On the other hand, Vietcombank’s Smart OTP has been directly integrated into mobile devices to generate OTP codes even without an internet connection.

Comparison of differences between SMS OTP Vietcombank and Smart OTP Vietcombank

Currently, many users still often confuse between SMS OTP Vietcombank and Smart OTP Vietcombank. So, to distinguish between these two services, let’s follow the content in the table below.

Factor	SMS OTP Vietcombank	Smart OTP Vietcombank
Method of receiving OTP code	Sent via SMS.	Sent via email or VCB Digibank application.
Security	SMS can be stolen by hackers.	Ensures high security.
Convenience level	Can be used anytime, anywhere without internet.	Can be used anytime, anywhere with internet connection.
Compatibility level	Depends on each network provider.	Designed to be compatible with both phones and computers.

How to register and use Vietcombank Smart OTP

Here are detailed instructions on how to register and use Smart OTP that you can refer to:

How to register Vietcombank Smart OTP

First, you need to download the Vietcombank Smart OTP application to your phone, then proceed to register your account according to the following instructions:

Step 1: First, you need to log in to your account on the Vietcombank Digibank application.

Step 2: Next, on the main interface, select the “VCB-Smart OTP” section.

Step 3: At this step, select “Settings”, then carefully read the terms and conditions of the application, check the box “I have read…” and select “Agree”.

Step 4: Set a password for your account and select “Continue”. Then enter the OTP code sent via SMS in the blank boxes and select “Confirm”.

How to use Vietcombank Smart OTP

Once you have successfully registered for Vietcombank Smart OTP, you can use the full features of the application such as money transfer, bill payment, online savings deposit, etc. In addition, you can also choose authentication methods according to your preferences such as fingerprints, Face ID, login password, Smart OTP, and SMS OTP.

Here is an example of a money transfer transaction using the Smart OTP authentication method. You can refer to and perform similar steps for other transactions:

Step 1: First, on the main interface of Vietcombank Digibank, select “Send money outside VCB”.

Step 2: Next, enter the recipient’s account information including account number, bank name, and the desired amount to transfer. Then select the authentication method as “VCB – Smart OTP”.

Step 3: Then, enter the authentication code sent to your phone into the system and select “Confirm” to complete the money transfer process.

Guide to cancel Vietcombank Smart OTP

To cancel the Smart OTP Vietcombank on the VCB Digibank application, you can follow these steps:

Step 1: First, log in to the VCB Digibank application on your phone.

Step 2: On the main interface of the application, select “Settings” to proceed with setting up VCB-Smart OTP.

Step 3: Then click the “Cancel” button to proceed with canceling VCB-Smart OTP.

Step 4: When the dialog box appears on the screen with the notification “Are you sure you want to cancel the authentication method using VCB-Smart OTP?”, select “Yes” to confirm canceling VCB Smart OTP.

Is Vietcombank Smart OTP free to use?

In addition to “What is VCB Smart OTP,” this is also one of the frequently asked questions. However, the goal of Vietcombank in developing the Smart OTP product is to provide a modern authentication method to maximize the protection of customers’ financial transactions.

Therefore, Vietcombank ensures that no fees will be charged for registering or maintaining the VCB – Smart OTP service monthly. So you can rest assured when experiencing this service.

Features of VCB Smart OTP

Through the Vietcombank Smart OTP software, you can use features such as:

• Generate OTP codes to perform transactions on VCB Internet Banking.
• Copy OTP codes.
• Change PIN codes.
• Synchronize time.
• Add accounts to receive OTP codes.
• Support both Vietnamese and English.

Important notes when using VCB Smart OTP

Here are some things to keep in mind when using Vietcombank’s Smart OTP service to protect your personal account:

• To activate VCB – Smart OTP, you need to successfully complete 2 SMS OTP authentication transactions before being able to use this feature.
• The account will be locked if you enter the wrong Smart OTP Vietcombank PIN code more than 5 times when logging into VCB Digibank. If you encounter this issue, please contact Vietcombank for support.
• Do not share information or lend your VCB Digibank account to anyone.
• Absolutely do not share your OTP code or Smart OTP Vietcombank password with anyone to avoid the risk of intrusion and loss of money from your account.
• Regularly change your Smart OTP Vietcombank PIN code and VCB Digibank login password to enhance security.
• Immediately notify Vietcombank through the hotline number 1900 54 54 13 if you detect any signs of intrusion into your VCB Digibank account.
• Do not log in to your VCB Digibank account on websites or links sent via messages to ensure the safety of your account.

Answering some questions about Vietcombank Smart OTP

Here are some questions that many users often ask when using VCB Smart OTP. You can refer to them to better understand this service.

What should I do if I forget the Smart OTP PIN code?

If you forget the Smart OTP PIN code, you need to go directly to Vietcombank branches to get support and reset the PIN. This process is completely free, so you can rest assured to do it.

Why should Vietcombank customers use Smart OTP?

For Vietcombank users, using Smart OTP is a good choice because of its high security and flexible usage even without an internet connection or when traveling abroad.

Conclusion

After reading this article, you have definitely answered the question “What is VCB Smart OTP” as well as how to register and use this service, right? This service provides security features for online transactions and protects customer accounts from unwanted risks. Hopefully, with this information, it will be helpful to you. If you still have any doubts or questions, please leave a comment below, and FPT Shop will support and answer you promptly.

See more

• How to register money transfer via Vietcombank mobile banking
• How to transfer money with Vietcombank quickly via phone, computer

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