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In-App Transaction Approvals

In-App Transaction Approvals

Coming Soon

Safer card transactions

Soon, you’ll confirm your online card transactions in the RAKBANK App using a notification for a safer experience.

What’s Changing?

What’s Changing?

  • You will no longer receive OTPs via SMS
  • Approve transaction within the RAKBANK App
  • Enjoy faster checkout and enhanced security  

Why This Is Safer?

  • Reduces SMS risks (e.g., interception or SIM-swap exposure)
  • Confirms it’s really you using your registered device and app login
  • Keeps approvals private inside the app’s secure environment

How approvals work in-app

  1. Make an online purchase
  2. Receive a push notification in the RAKBANK App
  3. Review, then approve or decline the transaction securely in the App
  4. Complete your purchase  

Remember: 
Make sure push notifications are enabled in your phone settings, so you never miss an approval request. If you need help with enabling push notifications, refer below section on How to enable Push Notifications

Titanium Credit Card

Get set up today

To keep your online payments running smoothly, register for Digital Banking in the RAKBANK App today:

  1. Download the RAKBANK App from the App Store or Google Play Store
  2. Select 'Register' and enter your Account or Card number
  3. Verify your mobile number & enter the OTP
  4. Enter your card PIN
  5. Create a unique user ID and password, then enter your registered email address
  6. Enable push notifications for the RAKBANK App on your device.

Set up today to keep your transactions secure and uninterrupted.

FAQs

We’re making your online card transactions more secure. Instead of receiving an OTP via SMS or email, eligible customers can now approve transactions directly through the RAKBANK App.

Make sure you are registered for the RAKBANK App and also have push notifications enabled on your phone to receive approval requests from the app for your online card transactions.

Refer to the Get set up today and How to enable Push Notifications section above in case you have any questions.

If you are not registered on RAKBANK App, you’ll still receive an OTP via SMS. However, we recommend registering for Digital Banking to enjoy faster and safer approvals.

The OTP via SMS will remain enabled during the initial roll out but will be phased out eventually. 

All primary credit or debit cardholders who are registered for RAKBANK App will be able to approve transactions via the RAKBANK App. 

All supplementary and pre-paid cardholders will continue to receive OTPs via SMS.

In that case, open the RAKBANK App on your phone and on the home page, under the “Log in” button, click More OptionsPending Transaction and then Approve Transaction by logging in.  

You'll have 250 seconds (about 4 minutes) to approve. If not approved in time, the transaction will fail.

The transaction will be cancelled immediately, and the merchant will be notified.

You will have 250 seconds (around 4 minutes) to approve a transaction.

No. Only new online transactions requiring 3DS authentication will be impacted.

If you run into any issues or need help, just start a chat with us in the RAKBANK App. Our team is here to assist you.

Contact us

or you may reach us at

600544049

from 9:00 AM to 6:00 PM

RAKBANK App

Bank on the go anytime, anywhere

Discover the RAKBANK App and enjoy cutting-edge Digital Banking services at your fingertips. Seamlessly manage your accounts, conduct secure transactions, and enjoy a range of innovative features – all in one user-friendly platform.

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