Mobile Banking will change to a smart and digital solution called e-Code
After 15 years the e-Pass is going with a well-deserved pension and access to Online Banking and Mobile Banking will change to a smart and digital solution called e-Code. e-Code was introduced in the Mobile Banking app in 2022 and is automatically activated when logging into the app for the first time. e-Code is even more secure and convenient than the e-Pass. As this is a digital solution there is no need to pick it up at a branch, or to carry it in your wallet. It will be part of the Mobile Banking app and is available via the app.
Benefits and Improvements
The Mobile Banking app now has integrated device registration. During login choose your favorite Quick Login method and enter your 5-digit PIN. After this logging into the app is easy peasy with just a facial scan, fingerprint scan or self-chosen 5-digit PIN.
The app with the integrated e-Code (soft token) is even more safe and user friendly than before. Making payments and transactions is faster and more convenient. With the introduction of ‘Smart Authorization’ transactions on registered devices often don’t even need extra authorization, or are simply authorized with facial recognition, fingerprint scan or self-chosen 5-digit PIN. Say goodbye to your e-Pass.
View and manage your registered devices directly from the app. Lost your phone? Login to another registered device – you can register up to three of your devices – and simply remove the lost phone from the list.
Use one of your registered devices to setup a new phone. Simply download the MCB Mobile Banking app on your new phone, login with your username, password and e-Code value from one of your other devices and register the phone during the first login. No need to pick up a new e-Pass. Your new e-Code (soft token) is activated remotely from any location.
Now view, print or share your current, savings and credit card account statements via the Mobile Banking app. No need to login to Online Banking via the browser anymore.
Working with Online Banking via a browser? Now use the integrated e-Code (soft token) generator in the Mobile Banking app to login and authorize payments and transfers instead of the e-Pass. No misplacing or losing the e-Pass anymore. And yes, the e-Code generator even works without an active Internet connection.
This upgraded Mobile Banking app now has integrated device registration. During login choose your favorite Quick Login method and enter your 5-digit PIN. After this, logging into the app is easy peasy with just a facial scan, fingerprint scan or self-chosen 5-digit PIN.
Questions & Answers
Below are question and answers for features or behavior that is added or has changed with the e-Code introduction.
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.
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).
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.
How many trials do I have until Quick Login locks out at login?
You are locked out of Quick Login at the fifth (5th) invalid attempt.
When I lock the Quick Login authentication during login, how can this be unlocked?
You are able to reset your self-chosen 5-digit PIN by following the below actions:
Click ‘Login with another user’ and login using your username, password and e-Code (from another device).
Click on the User menu, then click on Manage Devices
Edit the current device and change the PIN. This will unlock the Quick Login with the newly self-chosen 5-digit PIN.
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.
Payments & Transfers in the Mobile Banking app
When I make a payment, sometimes I’m asked for an additional authorization (biometrics or 5-digit PIN). When exactly do I get this additional authorization?
The additional authorization is a result of ‘Smart Authorization’. With every transfer or payment that you initiate, the Bank performs a risk assessment. Based on the outcome, you will be allowed to submit the payment without any additional authorization, or you will be asked for additional authorization in the form of facial recognition, fingerprint scan or 5-digit PIN. In rare cases, if the risk conditions are deemed too high, you will be asked to contact the Bank for security purposes.
What is a risk assessment in Online Banking?
A risk assessment is an evaluation of some conditions that can represent a threat to the security of our customers when using the bank's online banking services.
When I make a transfer or payment, sometimes the app lets me continue without additional authentication, sometimes it does ask me for it. Is this correct?
Yes, this is correct and caused by the ‘Smart Authorization’ risk assessment. If this happens, simply approve the transaction with the additional authentication, like your Quick Login 5-digit PIN, Fingerprint scan or facial recognition.
Do pre-authorized templates still work the same?
Yes, when you save a payment or transfer as a pre-authorized template, you can make a transfer from this template without any additional authorization, just like before the e-Code (soft token) introduction.
Payments & Transfers in the Online Banking application
After the update what is changed when for a payment or transfer on the Online Banking website?
If you didn’t activate e-Code (soft token) yet, nothing has changed on the Online Banking website and things are business as usual. After you have activated e-Code (soft token) either via the Mobile Banking app, the Self-Service Portal or in the branch, the Online Banking website will ask you for an e-Code number at every place where you normally would enter the three e-Pass values. This is the only change.
I’m only using the Online Banking website on my computer. How do I change to e-Code?
When you are using Online Banking on a computer, e-Code is not activated automatically. There are two ways to get e-Code.
Download the Mobile Banking app and login once to activate e-Code. After this the e-Code Generator will be available via the Mobile Banking app login screen. Even when you don’t use the Mobile Banking app itself, you can access the e-Code Generator to use it to generate an e-Code number to login to the Online Banking website and to approve transfers and payments made via de Online Banking website.
Download the Entrust Identity app and activate an e-Code via the Self-Service Portal. After this the Entrust Identity app is used to generate an e-Code number to login to the Online Banking website and to approve transfers and payments made via de Online Banking website.
Where to get the MCB Mobile Banking app?
If you have an iPhone or iPad, click on the App Store badge, or go to the App Store and search for the MCB Mobile Banking Curaçao.
If you have an Android phone or tablet, click on the Google Play badge, or go to the Google Play and search for the MCB Mobile Banking Curaçao.
Mobile Web alternative
Is the MCB Mobile app not available for your phone? Then we offer you a mobile version of the website. Simply go to the Online Banking website on your Internet-enabled phone or mobile device and logon with your existing Online Banking username and enjoy all the features such as real-time transfers between accounts, local and international payments, transaction history and secure bank mail via our secure and fast mobile website.