NCB Smart OTP is an application developed by Ngân hàng Quốc Dân (National Commercial Joint Stock Bank) for Android devices. This app provides users with the ability to generate one-time smart passwords (Smart OTP) for secure online banking transactions.

One of the standout features of NCB Smart OTP is its enhanced security. The app encrypts the Smart OTP directly on the user's device, ensuring that sensitive information is protected. This eliminates the need to carry a separate security device, such as a hard token, making it more convenient for users.

In addition to its security features, NCB Smart OTP offers stability and convenience. It does not require an internet connection, making it reliable even when traveling abroad. Users can easily register for the app through internet banking or NCB iziMobile. The login process is also simplified, with options for Fingerprint, Face ID, or PIN authentication.

NCB Smart OTP meets the highest transaction limit category (Category D) as required by the State Bank of Vietnam. For more information, users can contact the NCB Hotline ator send an email to