SMS One Time Password (OTP)

How does it protect me?

SMS OTP is a second layer of protection for your BCI My Internet Banking (MyIB) activities. With OTP enabled, your MYIB login is further protected with a second authorisation step that requires you to enter a passcode that we send you as a SMS text message.

How does it work?

A one-time passcode is a single use passcode. After registering for this free security service, you will receive a SMS OTP to your mobile phone every time you login to MyIB. Access to your account will not be permitted until this code has been entered correctly.

Please don't disclose this code to anyone (even to someone claiming to be an employee of BCI), simply enter the code to complete your login.

Registering for SMS OTP

  1. Log into your MyIB, enter in your client number and password
  2. From the menu, choose Services & Help and then Setup Security Options.
  3. Click on the Request button.
  4. Select the mobile phone number from the drop-down list. If the number you want is not listed, click on the Contact Details button to add.
  5. Although no fees will be charged, the system does require you to select an account from the drop down menu.
  6. To continue please read and accept the Terms and Conditions
  7. Click on the OK button to confirm your request. If any of the details shown on the confirmation page are incorrect, click on the Previous button to update the request details.
  8. Click on the Finish button.
What if I’m overseas, or have little or no reception, so can’t receive SMS?
This service is for Cook Islands based customers only (For Now). Anyone who has registered for SMS OTP and is planning to travel abroad, needs to contact BCI to deactivate SMS-OTP temporarily.
How Do I Deregister?
You will need to contact us on +68229341 or +68229342 after hours
Am I being charged for each alert/ text?
No fees for any SMS - OTP related services are charged
What do I do if I receive a SMS OTP and I’m not using my account?
Contact BCI immediately +68229341 or +68229342 after hours
What if I lose my mobile phone or change my mobile number?
Contact BCI to update details +68229341 or +68229342 after hours