What do I need to know about SMS authorisation and the reference number?
• Reference numbers will never include the alpha character `O’ but could include a zero. • SMS authorisation applies when doing once-off payments and adding beneficiaries online • You will only receive a reference number via SMS while in the process of transacting when additional authorisation is required. • Only one SMS reference number will be generated and required per online banking session, irrespective of the number of once-off payments made or beneficiaries added. • SMS reference numbers are unique, so the same reference number will never be used more than once. • There are no charges for SMS reference numbers. • SMS authorisation does not apply to inter account transfers or payments to beneficiaries already loaded on the profile.