You will need to enter an OTP for most transactions or changes to your account, including paying somebody new, ordering a new card, changing your address or when making online card purchases.
OTPs usually reach your phone within seconds (a little longer if your network coverage is weak). You can still get OTPs abroad if your mobile allows global roaming. Please check with your network provider to confirm availability and charges.
Please always review the full OTP message, checking it accurately describes your transaction. Never share your OTP with another person, not even a member of Cater Allen staff.
If you enter the wrong OTP three times, you'll need to start your transaction again.