Online Banking e-Code

Online Banking e-Code

The e-Code (soft token) is a secure feature built into the MCB Mobile Banking app that helps protect your account when logging in and authorizing transactions. It adds a second factor credential to your banking app and makes banking faster, safer, and more convenient.

Once you register the Mobile Banking app, your e-Code is activated automatically and available on your device, even without an internet connection.

You can use it to log in to the Online Banking website and approve payments and transfers, authenticate yourself when calling the Contact Center, login to secured sections on the website or securely set up the Mobile Banking app on a new phone if needed.

e-Code Activation

The Mobile Banking app combines device registration and e-Code activation into one simple process.

1. When you log in for the first time, select to register your device.

2. Choose your preferred quick-login method - biometrics or a 5-digit PIN - and set your PIN.

3. e-Code is automatically activated, and the e-Code Generator will appear on the login screen and is ready for use.

Benefits

The Mobile Banking app with integrated e-Code Generator is secure, user-friendly, and designed for convenience. Payments and transactions are completed faster and more easily, without the need for extra devices.

Register up to three devices
You can register the Mobile Banking app on up to three devices, for example, your smartphone and tablet, so you always have a backup e-Code Generator if one device is lost or stops working.

Manage your devices in the app
View and manage all registered devices directly from the app. Lost your phone? Simply log in on another registered device and remove the lost phone from the list.

Set up a new phone yourself
Use one of your registered devices to activate a new phone. Download the MCB Mobile Banking app, log in with your username and password, enter an e-Code generated on one of your other devices, and complete the registration during first login.

Use e-Code for the Online Banking website
When using the Online Banking website via a web browser, generate an e-Code in the Mobile Banking app to log in and authorize payments and transfers. The e-Code generator even works without an active internet connection.

Using your e-Code for the Online Banking website

When logging in to the Online Banking website via a web browser, or when approving online payments or transfers, you will be asked to enter an e-Code.

When asked for an e‑Code, follow these steps:

1. Open the Mobile Banking app on one of your registered devices.

2. On the login screen, tap e-Code Generator.

3. The app will display an 8-digit e-Code.

4. Enter this e-Code number in the e-Code field on the Online Banking website.

5. Continue logging in or approving your transaction.

Use your e-code for verification when contacting us at 466 1111

With our e-Code verification method, we can easily verify your identity when you contact our MCB Contact Center by phone (466 1111). You simply generate an e-Code through your MCB Mobile Banking App.

When asked by an officer for an e‑Code, follow these steps:

1. Open the Mobile Banking app on one of your registered devices.

2. On the login screen, tap e‑Code Generator.

3. The app will display an 8‑digit e‑Code.

4. Wait until the countdown timer resets to 30 seconds.

5. Tell the officer the e‑Code number shown on your screen.

Important to know

The e-Code changes every 30 seconds.
If the code expires before you enter it, simply enter the newly generated one.
The same process applies each time an e-Code is requested, during login, payments, or transfers.
The e-Code Generator works even without an active internet connection.
Your e-Code is personal and should never be shared with anyone, including Bank staff.

The e-Code helps keep your Online Banking secure while remaining fast and easy to use.

Questions & Answers

Below are question and answers related to e-Code.

General

What is e-Code (soft token)?

e-Code (soft token) is a new and modern replacement for the e-Pass. An e-Code number is an 8-digit number that is used primarily for Online Banking. Getting, or activating e-Code happens electronically. You don’t need to visit a branch for this.

After you have activated e-Code (soft token), Online Banking via the browser changes in the sense that we now ask you to enter the e-Code number, instead of the three e-Pass values.

The Mobile Banking app is even more convenient. Here you never have to key in the e-Code number itself when logging in or making a payment. This is done ‘under water’ for you.

I don't use the Mobile Banking app. Can I still use e-Code (soft token)?

Yes. e-Code (soft token) can also be used via the third party Entrust Identity app. This app is available for Android and iOS devices, and for Windows PCs. In this case activation is not done via the Mobile Banking app, but via the Self-Service Portal. Login to the Self-Service Portal and select “I’d like to activate e-Code (soft token)” from the main menu and follow the steps on the screens.

Security code example

I like the e-Pass, can I keep using this?

It depends. Soon e-Code (soft token) will completely replace the e-Pass. We already stopped issuing new e-Passes. As long as you have not activated e-Code (soft token) you can use your e-Pass. When you activate e-Code, for example via the Mobile Banking app, your e-Pass stops working. When we stop the support for e-Pass altogether, you also need to switch to e-Code (Soft token).

Device Registration

How many devices can I register under my username?

Per username you can register three (3) devices. When you have a phone and a tablet, it is always good to register both devices, in case you cannot access one of the devices anymore. When you try to register a fourth device, you will get a “You have exceeded the maximum allowed tokens.” message.

How can I see which devices I have registered under my username?

View and manage your registered devices directly from the Mobile Banking app or Online Banking website. To see your registered devices on your app, login, go to the User menu and tap Manage my Devices. To see your registered devices on the Online Banking website, login, go to settings and click Settings and click Manage Devices.

When I lose my device and I have more registered devices, what are the correct steps to login to a new device and register this device?

When you lost your only registered device, or it does not work anymore, download the Mobile Banking app on your new device and contact the bank for support.

When I don’t have a mobile device and I’m using Online Banking via the browser, how do I get an e-Code (soft token)?

If you are a ‘browser-only’ user, and you have a computer, you can install the Entrust Windows PC IdentityGuard Soft Token application, which can be downloaded via our Self-Service Portal. Login to the Self-Service Portal and select “I’d like to activate e-Code (soft token)”. During the process, where you select that you haven’t yet downloaded the app, you are redirected to the Entrust website, from where you can download the Windows PC application. Adding a soft token is done by following the activation steps in the Self-Service Portal.

e-Code Generator

How many trials do I have until Quick Login locks out at the e-Code Generator?

You have 5 trials to enter your Quick Login PIN into the e-Code Generator. If you enter an invalid Quick Login 5-digit PIN at the e-Code Generator, an error message is shown that an incorrect PIN is entered. It also shows how many trial are left. After 5 incorrect trials, your e-Code Generator is locked for 60 minutes.

When I lock the Quick Login using the e-Code Generator, how can this be unlocked?

It will automatically unlock itself after 60 minutes.

I need an e-Code for Online Banking on a computer, but my phone does not have an Internet connection, does the e-Code Generator still work?

Yes, the e-Code Generator on your mobile device does not need an Internet connection to work, and can be used offline without an active Internet connection.

Where to get the MCB Mobile Banking app?

If you have an iPhone or iPad, click the App Store badge or search for MCB Mobile Banking Curaçao in the App Store..
If you have an Android phone or tablet, click the Google Play badge or search for MCB Mobile Banking Curaçao in Google Play.

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