Two-factor Authentication FAQ
About Two-factor Authentication Service
Total Peace of Mind

To provide a secure online transaction platform, Fubon e-banking Service has recently employed the authoritative 128-bit Secure Socket Layer (SSL) Encryption technique. All data processed through Fubon e-banking Service will be encrypted and prevented from eavesdropping or stealing, to ensure its integrity and security.

Even better, Fubon e-banking Service has also introduced a new Two-factor Authentication Service1 to maintain the highest security level. The Two-factor Authentication Service uses a combination of two different factors to verify a user’s identity, so customers can enjoy enhanced protection when conducting online transactions. Once customer logins Fubon e-banking Service, a personal password is required as the first identification. When the customer continues to perform a designated online transaction2, a SMS-based One Time Password (OTP) will be issued to the customer by Fubon Bank; and then the customer is required to enter the OTP to complete the transaction instantly as the second verification. You can gain comprehensive protection with additional security measures by taking a few seconds only.

Login Fubon e-banking Service


Enter user ID & password


Two-factor Authentication Service


Perform selected online transaction


Receive a SMS-based
One Time Password3 issued by
Fubon Bank via a pre-registered
mobile phone without charges4


Enter One Time Password


Transaction completed


Transaction Confirmation Alert3

Mobile phone number registration is a simple process. You can either:
- Download the registration form and return the completed document to Fubon Bank; or
- Visit any Fubon Bank branch.
Online Security Tips
- Keep your Two-factor Authentication device (for example, mobile phone) secure and secret to prevent fraud.
- To protect your benefits, always access our Internet Banking Service directly through the Bank website on your browser.
Transaction Confirmation Alert
To keep you informed of Two-factor Authentication transactions, SMS Confirmation Alert will be sent to your designated mobile phone number.

Besides, please remember that Fubon will never ask you for sensitive information, such as your account number, customer reference number and password by email. When in doubt, please contact our Customer Service Hotline at 2566 8181.

You may click here for more online security information.

Enjoy convenient and prompt e-banking Service now!

Simply stop by any Fubon Bank branch today to register this new Two-factor Authentication Service, and enjoy 24-hour convenient e-banking Service.

Terms and Conditions:
1. Two-factor Authentication Service is not applicable to corporate customers.
Designated online transactions shall include: (i) fund transfers to non-registered accounts in Fubon or other bank in Hong Kong, and (ii) bill payments to designated merchant categories of the "Banking and Credit Card Services", "Credit Services", "Securities Broker", "Catering Services", "Printing Services" and "Others".
SMS-based One Time Password (OTP) and related notification SMS issued by our bank will be sent to your registered mobile phone number only. The OTP and related notification SMS will not be forwarded even though you have enabled "SMS Forwarding" service provided by the telecommunication company.
The Bank shall not levy any service charge for the Two-factor Authentication Service. However, customers shall be required to bear all the fees relating to this service (e.g. SMS service fee collected by the service provider of the relevant mobile phone number).
The Bank reserves the right to amend the terms and conditions from time to time without prior notice; and reserves the approval right of the Two-factor Authentication Service. In case of dispute, the decision of the Bank shall be final and conclusive.