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A more secure online shopping experience just for you!

From now on, there will be no up-front registration when shopping online at a 3D Secure merchant and you don’t have to remember your username and password anymore.

This means every time you shop online on a websites that have incorporated the 'Verified by Visa' or 'MasterCard Secure Code' sign, a One-Time-Password (OTP) will be sent to your registered mobile number with Riyad Bank which you should use to complete your online transaction. This way your Riyad Bank Credit Card is protected against online fraud and your online shopping experience is safer than ever.

Online shopping safety tips:

Online shopping is quick, easy, and convenient – however, there are still some safety factors that need to be considered when using your Riyad Bank Credit Card to make these purchases.

  • Only place an order with your Riyad Bank Credit Card on trusted websites that are verified as secure sites (look for the lock image on the toolbar)
  • On the Web page where you enter your credit card or other personal information, look for encrypted web address of that page - it should read: ‘https://’. The encryption is a security measure that scrambles your data as it is entered
  • Ensure that the website is authentic and secure by finding out what other shoppers say. Some websites such as and have customer evaluations, which can help you determine a company's legitimacy
  • Do not send emails that contain personal information such as your card number and expiry date
  • Use good quality antivirus software

Frequently Asked Questions

What is a One Time Password (OTP)?
I have an existing username and password for online transactions. Will I still receive this new OTP?
Can I opt to continue to use the existing username and password instead of receiving the OTP?
How will the OTP work when I am shopping online at a participating 3D Secure merchant?
How will I benefit from the 3D-Secure OTP?
Can I receive an OTP through an e-mail?
What is Resend OTP?
What is the registered mobile number?
How do I update my mobile phone number?
How long is the OTP valid?
What if I enter wrong OTP?
Will I receive an OTP for all my online purchases?
How will I differentiate between a normal online merchant and a 3D Secure merchant?
If my mobile phone is on roaming mode while I am abroad, will I receive an OTP for online transactions made then. Do I need to pay for the SMS charges?
What If I do not receive my OTP?
What happens if I entered invalid OTP up to 3 times?
What should I do if I receive an SMS of an OTP when I have not shopped online?

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