Impossible journey
I just recently opened an OCBC account and boy its been extremely difficult in terms of getting any right.
First with Digital Token activation on my phone - I have logged in via Singpass - and it failed to register the Digital Token 3 times without giving any reason or providing any help. I gave it 10mins and tried again, apparently it worked the 4th time.
Next I tried to add an oversea payee using Online Internet Banking - I tried both directly adding the payee at the transfer page and add payee in the payee management page - both unsuccessful. It asked for the One Token password, I opened my activated token on my mobile and entered the One Time Password - nope and it failed.
I tried to add overseas payee on the mobile app, there isn't an option looks like only able to add Singapore payee.
I tried to call OCBC Help 1800 363 3333, apparently I can't get through without a telephone pin. There was one menu where it asked me to enter * to get one time password, which I did, after I entered the one time password, it ASKED ME TELEPHONE PIN again.
OMG - this is impossible.
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I called the OCBC helpline again and managed to get through to the CS, and found out the problem.
Apparently, though NO WHERE in the Mobile Banking application says thus far, that the One Token needs to be of the status of "Elevated" on top of being "Activated".
Allegedly the CS said at the point of activation there should be a one time message that say that, which I frankly did not remember. And there is a FAQ on the Bank website.
I am totally bemused. I am on the Bank's mobile app - which should have the most up to date information of my account. Under Manage One Token menu, it says that my device is activated - no message about elevation or that I need another token key that allegedly its on snail mail to me in 5 working days. In the "Add Payee" section it did not say that my One Token is not "elevated", the process just fail.
The whole user journey just so bad.
So now I need to wait for the paper based token key to arrive in 5 working days before I can use my digital journey.
"Excellent" digital journey this is.