One-Time Password Online shopping with greater security

One-Time Password

Online shopping is increasingly popular. To better protect your online spending transactions, Hang Seng has launched the One-Time Password (OTP). When you make transactions with a Hang Seng Credit Card at a participating 3D Secure online merchant, you will receive an OTP via an SMS to your mobile phone number already registered with us. So you can complete the transaction with greater peace of mind.


  • Free of Charge

  • No registration

  • Additional authentication for greater peace of mind

To enjoy OTP as and when needed, please register or update your mobile phone number* via the below channels:

Online register or update

Click here to register or update your mobile phone number at Hang Seng Personal e-Banking
(Security Device will be required)


Register or update by Form

Visit any Hang Seng Bank branch

* If your mobile number is a mainland China or overseas number, please provide the corresponding country code & area code.
* If you have already registered more than one mobile phone number in our bank, the OTP SMS will be sent to your Mobile No. 1 according to our record.

How OTP works:

Please be reminded to turn on your mobile phone and activate your roaming service to ensure you can receive the OTP SMS to complete the online transaction when you travel to mainland China/ overseas.

To borrow or not to borrow? Borrow only if you can repay!