Home>Ways to Bank>Elevated banking experience Get ready to experience the enhanced Citibank Online & Mobile on May 6, 2012. With enhanced tools and features, we give you extra protection, added convenience and easier usage. Citibank Online Additional authentication gives you extra protection for your online transactions. To process the following transactions, you need to input SMS Online Authorization Code (OAC) and 3 alpha-numeric digits of your ID document. Transactions that require additional authentication per logon session: Payments & Transfers e-Statement services, including enroll for e-Statement Service, view e-Statement and change e-Statement enrollment details Transactions that require additional authentication per transaction: Add a new payee Access to multiple credit cards account information with single User ID. From now on, you can view all credit card accounts information and transactions with one User ID, which enables you to have easy overview of your accounts at Citibank. Citibank Mobile Brand new user-friendly interface. Brand new user interface with latest promotion offers and all information you need to offer you convenient banking.   Schedule a payment transaction dated up to future 90 days. Make your payment and funds transfer happen smoothly and efficiently.   More account and transaction information available for banking and credit card accounts. You can manage your account with the following information: available credit limit balance on last statement current debit balance credit payment due date minimum credit payment FAQ Why do I need to perform additional authentication to proceed with the selected online transactions? Additional authentication allows the Bank to provide additional security to online banking clients. It ensures that only authorized clients with registered mobile number can gain access to account information and transact securely. How does the Two-Factor authentication work? When you access transactions at Citibank Online that require SMS Online Authorization Code (OAC) and your ID document, you will be prompted with the screen. (Please refer to the image in Citibank Online section above.) Simply enter the SMS OAC and 3 digits of your ID document and click “Continue”. What is SMS Online Authorization Code (OAC)? SMS Online Authorization Code (OAC) is a 6-digit password. You will need to enter OAC each time you perform selected online transactions. Is Two-Factor Authentication compulsory? Yes. To enhance security protection, additional authentication is compulsory to process related transactions. When do I need to use the SMS Online Authorization Code (OAC)? You need to use the SMS Online Authorization Code (OAC) when you process the following transactions. Transactions that require OAC SMS per logon session: -Payments & Transfers -e-Statement services Transactions that require OAC SMS per transaction: -Add a new payee I do not have my mobile phone with me to receive SMS Online Authorization Code (OAC), but I urgently need to arrange payment/transfer. What should I do? If the payee is added to your payee list via Citibank Online, most of the payment/transfer can be done by our 24-hour CitiPhone Banking. Please call at (852) 2860 0333 for assistance. What is my Primary ID document registered with Citibank? Customer without HKID and Passport Number in the bank's record will use the Primary ID document registered with the bank for verification. For corporate customer, please enter your Business Registration or Certificate of Incorporation Number. For individual customer, please enter your ID document number provided during account opening. I have 2 Citibank credit cards and 2 sets of User ID to access to my credit card accounts. Do I need to create a new User ID to access to both credit card accounts at the same time? No. You can log on with 1 of the 2 existing User ID to access to both credit card accounts.