No need for Citibank. Just use SMS token is fine
My ibanking was setup during the opening of the maxigain acc at the branch.
Then came the smrt cc card a few days later via mail.
Then came the debit card later bia mail which I stored and keep it in my drawer since I wun be needing this whatsoever.
There is no token send to me, I am using the sms OTP instead. Can I check, do you need token to transfer amount out from citi bank? Cos my CIMB needs to.