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3D Secure is a security protocol for online card transactions that verifies cardholder identity, protecting you from unauthorized purchases. In-app approval methods replace SMS OTPs with secure push notifications and PIN/biometric verification on your registered device.

In order to improve the security of your card transactions, SMS OTPs are now being replaced with in-app approvals. This approach is more secure since it connects directly to your registered device, helping reduce the risk of unauthorized access and fraud.

Yes. To ensure a secure and consistent experience in line with regulatory guidelines, all customers must register for In-App approval and set up a Digital Pass.

When you are making an online transaction, you will get an option where you can select how to approve the transaction:

Option 1: DIB alt mobile app

You will receive a notification in your DIB alt mobile application.

Option 2: SMS

You will receive an SMS with an OTP on your registered mobile number as normal. This option will be discontinued shortly.

• All primary Covered Card and Debit Card holders who are registered for the DIB alt mobile app will be able to approve transactions.
• All supplementary and prepaid cardholders will continue to receive OTPs via SMS.

• Only websites displaying "Verified by Visa" support In-App Approvals.
• Only those transactions where you previously received an SMS OTP will now require an In-App approval.

You will receive approval requests only for transactions that require authentication under 3D Secure.

In order to enhance card security, SMS and Email OTPs will be fully discontinued for online transaction approvals in the near future. Push notifications and In-App approvals will be the only method.

1. Download or update your DIB alt mobile app.
2. Log in to the DIB alt mobile app.
3. Enable biometrics.
4. Set up your Digital Pass and register your device.
5. Allow push notifications for the app.

Yes. You must have the latest version of your DIB alt mobile app installed, and your device must meet the required Android or iOS versions as specified in the App Store or DIB website.

For security reasons, it is recommended to have one registered device. However, a maximum of two devices are allowed.

Log in to the DIB alt mobile app, navigate to the Security Settings section, and select Reset Digital Pass.

You will need to:

• Log in again.
• Re-register your device.
• Set up your Digital Pass again before using In-App approvals.

When making an online purchase, you'll receive a push notification on your DIB alt mobile app. Open the app (or tap the notification), review the transaction details, and approve or decline using Biometrics or Digital Pass.

After approving in DIB Alt Mobile Application:

• You will see a confirmation message in the app.
• The merchant website/app will also confirm the transaction status.

Yes, you can approve transactions globally as long as:

• Your device is connected to the internet.
• You have access to your DIB alt mobile app.

No. As per regulatory requirements, In-App approvals will become mandatory once SMS OTPs are fully discontinued.

You will receive separate approval requests for each transaction. Each request must be reviewed and approved individually within the app.

• Ensure notifications are enabled in both DIB alt mobile application and your phone's settings.
• Open your DIB Alt Mobile App and navigate to Authorise Transaction (before logging in).
• Transactions pending approval will also be available after login under Bell Icon > Authorise Transaction.

If you are unable to approve the transaction in your DIB alt mobile app within 2 minutes, you will receive an SMS with the OTP.

• If In-App approval fails (for example, due to connectivity issues), the DIB Alt Mobile App will temporarily provide an alternative method such as SMS OTP.
• For blocked accounts, contact the DIB Call Center on +971 4 609 2222 for assistance.

If your device is lost or stolen:

• Register your new device through the DIB alt mobile app.
• Remove the old device using Device Management in Settings.
• Alternatively, contact the DIB Call Center on +971 4 609 2222 for assistance.

• You should immediately contact the DIB Call Center on +971 4 609 2222.
• Please ensure that you always verify transaction requests in your DIB alt mobile app before approving them.
• DIB will not be liable for any transactions that have been approved by you.

No. For security reasons:

• Always use a personal and secure device.
• Do not register shared or public devices for transaction approvals.

No. In-App Approval services are free of charge for all DIB cardholders.