How does the Digipass work?

The Digipass is a 'random number generator' that creates one-time access codes. The codes are used to identify you as a user, log you on to your accounts and verify transactions.

Why is it so safe?

The Digipass is safer than a standard login code. The Digipass generates an electronic signatures to prevent any other person from accessing your accounts. At RaboDirect, our security approach is based on what is known as "two-factor authentication". These are: Something you know: your customer number and PIN; andSomething you have: your Digipass. Your Digipass cannot be used without your PIN, making it worthless to somebody else should it be lost or stolen. Therefore, even if someone has access to your account details, they cannot access your account without having BOTH your Digipass AND your PIN.

How does it relate to my customer number and PIN?

When you log into your accounts you need to know your individual customer number, have your Digipass to hand and know your PIN. So even if your Digipass were to fall into the wrong hands it's worthless without the PIN and your customer number.

Do I need anything else?

You don't need any special software to use the RaboDirect online banking service and you can use your Digipass anywhere you want - that means you're not stuck to using just one computer. Coupled with the fact that it takes less than 10 seconds to use a Digipass, the whole system is simple and secure.

How often do Digipass numbers change?

The random numbers generated by the Digipass change every few seconds. This means that the number can only be used once, within the specified time limit. That means your number becomes useless to would-be hackers. This significantly reduces the security risk associated with other forms of online security such as permanent access codes. Note - RaboDirect will NEVER send you an email requesting your personal access details. If you ever receive such an email please notify us immediately.

Lost or blocked Digipasses

We have a secure way of handling this. Print off the form "Unblock/Replace my Digipass" from the RaboDirect website.

More about your Digipass

For more information on your Digipass including troubleshooting click here.

Watch How to videos

How to set up your Digipass for the first time
How to change your Digipass PIN