TAC

What is TAC?

Transaction Authorisation Code (TAC) is an online/mobile banking security feature to protect your account from unauthorised use. A TAC will be sent to you through one of the following methods to verify that you are the rightful person performing the transaction:

  • SecureTACTM (Mandatory for all CIMB Clicks mobile app transaction)
  • TAC via SMS
  • TAC via Messenger

What are the differences between SecureTACTM, TAC via SMS & TAC via Messenger?

Note: For transactions that are not supported by SecureTACTM or we detected that your device is unable to receive SecureTACTM , approval will be sent via SMS.

Can I receive TAC while travelling overseas?

As long as your mobile device is connected to the internet, you can authorise mobile app transaction using SecureTACTM or receive TAC via Messenger to authorise online banking transaction. Alternatively, you can opt to update your overseas mobile number to receive TAC via SMS by contacting our Consumer Contact Centre at +603 6204 7788 (local & overseas).

Do I need to request TAC for my frequent transactions?

TAC is required for all 3rd party funds transfer request (to Other CIMB Accounts or Other Bank Accounts), create Standing Instruction with another bank, or perform FPX transactions made via CIMB Clicks online banking. For types of transactions that require TAC, please refer to table above.

I've keyed in my TAC as requested but got an error message. Why is this so?

You may receive an error message for the following reasons:

  • Your TAC is incorrect or has expired
  • You have amended the transactional details for a specific TAC
  • You have exceeded the maximum number of five (5) attempts

Can I reuse the TAC?

No. Each TAC sent is valid for one (1) time use only.

What happens if I entered wrong TAC?

You may request for a new TAC via SMS/Messenger (up to 5 times) to proceed with your transaction. For security reason, your TAC will be deactivated after 5 attempts. Please contact Consumer Contact Center at +603 6204 7788 (local & overseas) to reactivate your TAC request.

I requested for TAC twice, which TAC number should I use?

Please use the latest TAC number received.

Upon receiving TAC, I realised that the transaction details are incorrect. Can I amend the details and use the same TAC? Will my transaction go through?

No, the transaction will not go through and you'll need to request for a new TAC.

How long does it take to receive TAC via SMS?

The delivery time for TAC via SMS is depending on the traffic volume of your mobile service provider.

Can I still use the TAC received after the timer on the page reached zero?

Yes, you can still use the TAC received as long as it has not expired (as indicated in the SMS/ SecureTACTM notification). The timer on the page indicates when you can request for a new TAC.

What should I do if I do not receive TAC?

You can request for a new TAC 30 seconds after the previous request.

What happens if I receive a TAC which I did not request?

Please contact our Consumer Contact Centre at +603 6204 7788 (local & overseas) immediately.

What if I lost my mobile phone or need to change my mobile number?

Visit the nearest CIMB Bank ATM to change your mobile number or if you don't have a new mobile number, change the mobile number to zero at the ATM.

How to change/update my local mobile number for TAC?

Visit the nearest CIMB ATM > enter your ATM PIN > select “OTHERS” from the main menu > select “CIMB Clicks” > enter your new mobile number and select “PROCEED” to have your new number updated for TAC.

Can I change my mobile number for TAC on CIMB Clicks website?

No. For security reason, your mobile number can only be registered at CIMB ATM (local mobile number) or updated via Customer Contact Centre at +603 6204 7788 (overseas mobile number).

What do I need to do to change back to my local number once I'm back from overseas? Can I contact call centre?

Visit the nearest CIMB ATM to update your local mobile number.

What would happen if I terminated my CIMB Clicks User ID?

Once a CIMB Click User ID is terminated, the associated SecureTACTM, CIMB Messenger, Touch ID and Quick Balance will be deactivated on all registered devices.

Why is TAC on Mobile or TAC on Device options no longer available?

We have replaced TAC on Mobile/TAC on Device with more secure technologies - SecureTACTM & TAC via Messenger.

SecureTACTM


What is SecureTACTM?

The newly enhanced SecureTACTM is an easy & secure method to approve your CIMB Clicks online & mobile banking transactions using the CIMB Clicks mobile app.

Why should I use SecureTACTM?

With SecureTACTM, you can enjoy easy & secure one-tap approval using the CIMB Clicks mobile app. You no longer have to wait for SMS and manually key in 6-digit code. As an enhanced security feature, SecureTACTM is mandatory for all CIMB Clicks mobile app transaction and selected online banking transactions. For the best experience, it’s recommended to activate SecureTACTM on your device.

How do I approve transactions using SecureTACTM?

  • Mobile app transactions:
    STEP 1: Verify your transaction details on confirmation page
    STEP 2: Scroll down & tap on “Approve” button to authorise the transaction
  • Online banking transactions:
    STEP 1: Submit your transaction request
    STEP 2: Check your mobile device & tap to open SecureTACTM notification
    STEP 3: Verify the transaction & tap on “Approve” button to authorise the transaction

What do I need to do to activate SecureTACTM?

  • If you are an existing CIMB Clicks mobile app user, update your CIMB Clicks mobile app to the latest version and follow the screen guide to activate SecureTACTM.
  • Do not have CIMB Clicks mobile app? You can download the app from Google Play or Apple App Store. You will be prompted to activate SecureTACTM upon first-time login to CIMB Clicks mobile app.

Note: TAC verification via SMS is required to complete the one-time activation.

Can I perform the one-time SecureTACTM activation when travelling?

Yes, you can perform one-time SecureTACTM activation as long as you are able to receive TAC via SMS on your registered mobile. For assistance, please contact our Consumer Contact Centre at +603 6204 7788 (local & overseas).

What do I do if one-time SecureTACTM activation failed?

You may try logging in to CIMB Clicks mobile app again to activate SecureTACTM. If issue persists, please contact our Consumer Contact Centre at +603-6204 7788 for assistance.

How many devices can I activate with SecureTACTM?

You can activate SecureTACTM on maximum two (2) devices. When you try to activate SecureTACTM on the third device, you will be prompted to deactivate one of the existing device. Please take note that the latest SecureTACTM registered device will be set to receive push notification for online transaction approval and transaction notification through CIMB Messenger.

What if I reinstall the CIMB Clicks mobile app?

You will be prompted to re-activate SecureTACTM upon login.

What types of transaction will require SecureTACTM?

  • CIMB Clicks mobile app - all types of transactions.
  • CIMB Clicks online banking -  Third party transfers, bill payment, JomPAY, Prepaid top up.

Note: SecureTACTM is mandatory for online banking transactions amount exceeding RM10,000.

Must I use SecureTACTM to approve online banking transactions above RM10,000?

Yes, SecureTACTM is required for open transactions amount exceeding RM10,000. We recommend you to download the CIMB Clicks mobile app and activate SecureTACTM. Alternatively, you can adjust the amount to below RM10,000 OR add the beneficiary’s account as favourites to proceed with TAC via SMS.

What happens if I reject the SecureTACTM approval?

Without your approval, your transaction will not be processed and the amount will not be deducted from your account.

What if I do not receive SecureTACTM during my transaction?

For online transactions below RM10,000, you can choose to request TAC via SMS as option after 50 seconds. Please note that once a new TAC via SMS is requested, the previous approval request via SecureTACTM will no longer be valid.

I have activated SecureTACTM, why do I still need to enter TAC via SMS?

Selected types of transaction such as viewing of Singapore account and CIMB Messenger activation will require authorisation via SMS.

Why do I receive TAC via SMS instead of SecureTACTM when using my friend’s device?

If you are logging into the CIMB Clicks app using a device that is not registered to your CIMB Clicks credentials, you will be prompted to enter SMS TAC to confirm transaction.

I gave my old phone (with SecureTACTM activated) to a friend, what would happen?

Your friend will not be able to activate SecureTACTM if he is also a CIMB Clicks user. Please deregister the device for SecureTACTM before transferring a used phone to another person.

I have activated CIMB Messenger, why do I still receive transaction alert via SMS?

For security reason, the first 5 transactions authorised with SecureTACTM will be communicated to you via SMS. Thereafter, notification will be sent via CIMB Messenger.

I do not want to use SecureTACTM, how do I deactivate SecureTACTM?

You may choose to deactivate SecureTACTM by contacting our Consumer Contact Centre at +603 6204 7788 (local & overseas). Please note that SecureTACTM is mandatory for all CIMB Clicks mobile app transaction and selected online banking transactions. After deactivating SecureTACTM, you may only perform transactions that do not require TAC. For transactions that require TAC, you will be prompted to re-activate SecureTACTM.

What if I change my mobile number? Will it affect my SecureTACTM?

A change in your mobile number will affect your TAC via SMS, hence you are required to update your latest mobile number at any CIMB ATM. However, a change in your mobile number will not affect your SecureTACTM as it is tied to your device.

If I lost my phone, can I register for SecureTACTM on a new device?

Yes, you can activate SecureTACTM on your new device and you will be prompted to de-register your old device.

TAC via Messenger


What is TAC via Messenger?

TAC via Messenger is a new alternative to SMS TAC for you to authorise your CIMB Clicks online banking transactions. You can easily read your TAC through push notification or retrieve from CIMB Messenger within CIMB Clicks mobile app.

How can I view the TAC via Messenger in CIMB Clicks mobile app?

To read your TAC via Messenger, swipe down from the top of your phone screen and tap on the push notification. Alternatively, tap on the “bell” icon on the top right corner of your CIMB Clicks mobile app to view your TAC.

Why I still do not receive TAC even I have activated Messenger in CIMB Clicks mobile app?

Check your mobile device settings.

  1. Your phone must have internet connection, either on data plan or Wi-Fi.
  2. Your phone is enabled to allow notification from CIMB Clicks mobile app.
  3. Your phone is enabled to allow background refresh from CIMB Clicks mobile app.

I have activated TAC via Messenger in few mobile devices, which device I will be receiving the TAC?

TAC will be sent to the last device that you have activated Messenger. If you wish to receive TAC via Messenger using a preferred device, simply deactivate and reactivate the Messenger feature in CIMB Clicks mobile app using your preferred device.

Can I receive TAC via Messenger when I'm overseas?

Yes. You can receive TAC via Messenger while you are abroad as long as your phone is connected to the internet.

Will I receive TAC via Messenger for transactions performed using CIMB Clicks mobile app?

No. You will NOT receive TAC via Messenger for mobile app transactions. Mobile app transaction is protected with SecureTACTM, you can just tap on “Approve” button on confirmation page to authorise mobile app transaction.

If I do not receive TAC via Messenger, what should I do?

You can click onto the resend link to request a new TAC. The new TAC will be sent to your registered mobile number via SMS. Alternatively, you may try logging in to CIMB Clicks mobile app & reactivate Messenger in Settings again.

Can I use General TAC for financial transactions and Transaction TAC for general transactions?

No. General TAC is only valid for general transactions and Transaction TAC is only valid for financial transactions.

What is the difference between ‘Transaction TAC’ and ‘General TAC’?

Transaction TAC refers to the TAC that you received at your mobile either via SMS or Messenger that contain partial transaction information that you are performing. Sample of the SMS/Messenger content

      CIMB: Transfer to CIMB A/C 123123123 for RM 10.00. TAC is 123123. Expires 01 Jan 11:11:11

 

Transaction TAC refers to the TAC that you received at your mobile either via SMS or Messenger that does not contain any transaction information that you are performing.