TAC

What is TAC?

Transaction Authorisation Code (TAC) is a randomly generated code sent to your registered mobile number or devices for validation of your online/mobile banking transaction.

  • When you are transacting using CIMB Clicks online banking, you'll receive your TAC via SMS or via CIMB Messenger if you have enabled TAC via Messenger.
  • When you are transacting using CIMB Clicks mobile app, you can authorise transactions easily using SecureTACTM.

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. With SecureTACTM, you can authorise mobile app transactions with just a single tap on confirmation page. You are also advised to activate TAC via Messenger in CIMB Clicks mobile app to receive instant TAC sent via Messenger instead of waiting for TAC sent via SMS.

What should I do in order to receive TAC?

  • To receive TAC via Messenger, download the CIMB Clicks mobile app > go to 'Settings' > activate Messenger.
  • To use SecureTACTM, download the CIMB Clicks mobile app and follow the screen guide to activate SecureTACTM.

If your mobile phone is unsupported, you can still receive TAC via SMS. Please update your local mobile number at the nearest CIMB ATM machine or contact our Consumer Contact Centre at +603 6204 7788 (local & overseas) to update your overseas mobile number.

I travel frequently. How can I receive TAC?

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).

What happens if I receive a TAC via SMS or via Messenger which I did not request?

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

Can I reuse the TAC?

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

What happen if I entered wrong TAC?

You may request for a new TAC (up to 5 times) to proceed with your transaction. As a security precaution, your TAC will be deactivated upon the 5th attempt. Please contact Consumer Contact Centre at +603 6204 7788 (local & overseas) to reactivate your TAC request.

Why do I need TAC to perform third party transactions on CIMB Clicks?

TAC is an additional level of authentication to verify that you are the rightful person performing the transaction & protect your account from unauthorised use.

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 attempts

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.

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.

Do I need to request TAC for my frequent transactions?

You must request for TAC for every 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 mobile app transaction, you can simply tap on “Confirm” on confirmation page to authorise your frequent transactions.

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 should I do if I do not receive TAC?

You can request for another TAC, and this is without having to re-do the whole transaction

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

Use the second TAC number that is sent to your mobile.

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.

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.

There is a timer displayed on the page, what is that?

The timer is to show the remaining time left that you can request the second TAC. It does not mean your first TAC has expired. You can still use your first TAC even the timer reached zero. TAC expiry is shown in the TAC content. Provided you have requested for second TAC, your first TAC will be expired automatically.

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

To read your TAC sent 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. As a security precaution, TAC will be sent via SMS for transactions performed using CIMB Clicks mobile app.

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, logon to CIMB Clicks Mobile App, go to Settings to perform the Messenger Deactivation and Activation again.

SecureTACTM


What is SecureTACTM?

SecureTACTM is an enhanced security feature that allows you to authorise your mobile app transaction securely, easily with just one-tap, without having need to manually key in any code. A secure token will be placed in your phone and only transaction made through recognised SecureTACTM enabled device will be processed.

How do I activate my SecureTACTM?

You will be prompted to activate SecureTACTM upon first-time login to CIMB Clicks mobile app. SMS TAC verification is required to complete the activation.

Can I perform my first-time login when travelling?

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

What do I do if SecureTACTM activation failed?

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

What will be happen if I perform mobile transaction using unregistered SecureTACTM device to perform transaction?

For mobile app transaction made using non-SecureTACTM registered device, you will be prompted to enter SMS TAC to confirm transaction.

My device is registered for SecureTACTM but why do I still need to enter SMS TAC number to confirm the transaction?

Selected transaction such as viewing of Singapore account and CIMB Messenger activation will require SMS TAC authentication.

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

For security purpose, you will receive SMS notification for the first 5 transactions authorised with SecureTACTM. Thereafter, notification will be sent via CIMB Messenger.

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

Your friend will not be able to active SecureTACTM if he is also a CIMB Clicks user. Please deregister the device for SecureTACTM first before transferring an used phone to another person. You may do so by contact our Consumer Contact Centre at +603 6204 7788 (local & overseas).

What would happen if I terminated my CIMB Clicks ID?

SecureTACTM, CIMB Messenger, Touch ID and Quick Balance will be deactivated on all registered devices.

What if I reinstall the CIMB Clicks mobile app?

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

What should I do if I have lost my phone?

Please contact our Consumer Contact Centre at +603 6204 7788 (local & overseas) to deactivate your SecureTACTM, Messenger, Quick Balance and Touch ID.

Can I choose not to activate SecureTAC?

SecureTAC activation is required if you wish to perform these transactions using CIMB Clicks mobile app:

  • Transfer of funds 
  • Pay Bills* 
  • Pay Loans & Cards 
  • JomPAY* 
  • Top up*

*Applicable to open transactions. SecureTAC is not required for favourites transactions.

If you wish to proceed with your transaction without using SecureTAC, you may do so by accessing CIMB Clicks using web browser instead of using mobile app.

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.