We are still upgrading our system. The app is not available yet, but will be available within next 24 hours. In the meantime, please use the web access through digital.bankofsingapore.com
New Security feature
Access to and use of password-protected and/or secure areas of the Application or the Website are restricted to Authorised Users (defined below) only. You may not obtain or attempt to obtain unauthorised access to such parts of the Application or the Website, or to any other protected information, through any means not intentionally made available by us for your specific use. A breach of this provision may be an offence under the Computer Misuse Act (Cap. 50A) of Singapore (as may be amended or re-enacted), in the case of accounts booked in Singapore or the Telecommunications Ordinance (Cap. 106) of Hong Kong, (as may be amended or re-enacted), in respect of accounts booked in Hong Kong.
If you are below 18 years old, you must not use or access the Application or the Website.
(Applicable to Singapore-booked accounts) “Personal Data”refers to any data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which the Bank has or is likely to have access, including data in the Bank’s records as may be updated from time to time. Examples of such Personal Data include the individual’s name, address, national registration identity card (“NRIC”) number or e-mail address.
(Applicable to Hong Kong-booked accounts) “Personal Data” has the meaning ascribed to it under the Personal Data (Privacy) Ordinance (Cap. 486) of Hong Kong (as may be amended or re-enacted)
No Warranties; Limitation on Liability; Liability Cap.
All Moody’s Ratings displayed on the Application and the Website are obtained by the Bank from sources believed by it to be accurate and reliable. Because of the possibility of human and mechanical error as well as other factors, however, all Moody’s Ratings are provided "AS IS” without warranty of any kind, and THE BANK AND MOODY’S, IN PARTICULAR, MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO YOU, YOUR AUTHORISED OPERATORS OR ANY OTHER PERSON OR ENTITY AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE OR AVAILABILITY OF ANY SUCH MOODY’S RATINGS. To the extent permitted by law, under no circumstance shall the Bank (or Moody’s) have any liability to you or your Authorised Operators for (a) any loss, damage or other injury in whole or in part caused by, resulting from or relating to, any error (negligent or otherwise), or any other circumstance or contingency within or outside the control of the Bank or any of its directors, officers, employees or agents, or Moody’s, in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of any Moody’s Ratings, or (b)any indirect, special, consequential, incidental or compensatory damages whatsoever (including, without limitation, lost profits), even if THE BANK shall have been advised in advance of the possibility of such damages, in either case caused by, resulting from or relating to the use of, or inability to use, any MOODY’S RATINGS, or (c) based on an allegation that the Bank (or Moody’s) owes a duty of care to you or your Authorised Operators or any other person or entity. Without limiting the foregoing, in no event shall the total liability of the Bank or Moody’s in the aggregate to you and/or your Authorised Operators arising from your use or your Authorised Operators’ use of the Moody’s Ratings(based on any cause of action whatsoever) exceed the fees actually paid by you to the Bank within the twelve (12) month period immediately preceding the date upon which the relevant claim accrued.
CREDIT RATINGS ISSUED BY MOODY'S INVESTORS SERVICE, INC. AND ITS RATINGS AFFILIATES (“MIS”) ARE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES, AND CREDIT RATINGS AND RESEARCH PUBLICATIONS PUBLISHED BY MOODY’S (“MOODY’S PUBLICATIONS”) MAY INCLUDE MOODY’S CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKE SECURITIES. MOODY’S DEFINES CREDIT RISK AS THE RISK THAT AN ENTITY MAY NOT MEET ITS CONTRACTUAL, FINANCIAL OBLIGATIONS AS THEY COME DUE AND ANY ESTIMATED FINANCIAL LOSS IN THE EVENT OF DEFAULT. CREDIT RATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT NOT LIMITED TO: LIQUIDITY RISK, MARKET VALUE RISK, OR PRICE VOLATILITY. CREDIT RATINGS AND MOODY’S OPINIONS INCLUDED IN MOODY’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. MOODY’S PUBLICATIONS MAY ALSO INCLUDE QUANTITATIVE MODEL-BASED ESTIMATES OF CREDIT RISK AND RELATED OPINIONS OR COMMENTARY PUBLISHED BY MOODY’S ANALYTICS, INC. CREDIT RATINGS AND MOODY’S PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND CREDIT RATINGS AND MOODY’S PUBLICATIONS ARE NOT AND DO NOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES. NEITHER CREDIT RATINGS NOR MOODY’S PUBLICATIONS COMMENT ON THE SUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MOODY’S ISSUES ITS CREDIT RATINGS AND PUBLISHES MOODY’S PUBLICATIONS WITH THE EXPECTATION AND UNDERSTANDING THAT EACH INVESTOR WILL, WITH DUE CARE, MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.
MOODY’S CREDIT RATINGS AND MOODY’S PUBLICATIONS ARE NOT INTENDED FOR USE BY RETAIL INVESTORS AND IT WOULD BE RECKLESS FOR RETAIL INVESTORS TO CONSIDER MOODY’S CREDIT RATINGS OR MOODY’S PUBLICATIONS IN MAKING ANY INVESTMENT DECISION. IF IN DOUBT YOU SHOULD CONTACT YOUR FINANCIAL OR OTHER PROFESSIONAL ADVISER.
Moody’s Investors Services, Inc. (“MIS”), a wholly-owned credit rating agency subsidiary of Moody’s Corporation (“MCO”), hereby discloses that most issuers of debt securities (including corporate and municipal bonds, debentures, notes and commercial paper) and preferred stock rated by MIS have, prior to assignment of any rating, agreed to pay to MIS for the appraisal and rating services rendered by it fees ranging from $1,500 to approximately $2,500,000. MCO and MIS also maintain policies and procedures to address the independence of MIS's ratings and rating processes. Information regarding certain affiliations that may exist between directors of MCO and rated entities, and between entities who hold ratings from MIS and have also publicly reported to the SEC an ownership interest in MCO of more than 5%, is posted annually at www.moodys.com under the heading "Investor Relations -- Corporate Governance -- Director and Shareholder Affiliation Policy."
You expressly agree, on behalf of yourself and your Authorised Operators, that (a) the credit ratings and other opinions, and valuations, quotes, statistical, quantitative or other information contained in the Application and the Website are, and will be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, hold or sell any securities, (b) the Moody’s Ratings will be weighed solely as one factor in any investment decision made by or on behalf of you and your Authorised Operators, and (c) you and your Authorised Operators will accordingly make your own study and evaluation of each security, and of each issuer and guarantor of, and each provider of credit support for, each security that you may consider purchasing, holding or selling. You agree, on behalf of yourself and your Authorised Operators, that (i) none of the credit ratings and other opinions, and valuations, quotes, statistical, quantitative or other information contained in the Application and the Website, or any statements or disclosures by Moody’s regarding the foregoing, shall create any duty of care on the part of Moody’s or any Moody’s affiliate to you or your Authorised Operators, (ii) neither Moody’s nor any Moody’s affiliate is acting as a financial adviser to you, and (iii) none of the credit ratings and other opinions, and valuations, quotes statistical, quantitative or other information contained in the Application and the Website or statements or other communications supplied by Moody’s or any of its employees, representatives or agents shall constitute a representation or a warranty, or the provision of investment advice.
Important information on use of the Digital Service (the “Service”)
The following information is meant for the benefit of the users of the Service. It sets out the points hich we find to be useful and which may assist users of the Service to better protect their privacy and security but this does not impose an obligation on Bank of Singapore Limited to ensure the privacy and security of users. The Bank does not represent or guarantee that the information set out here is complete, exhaustive or the most up-to-date, has no responsibility to update the information at any time in future, and accept no liability for any loss whatsoever (whether direct, indirect or consequential). All users of the Service should exercise caution and prudence, and take appropriate action, at all times to protect their own security and confidentiality of their personal and account information.
Your privacy and the security of your information are of utmost importance and concern to the Bank. The Service does not log your IP address or store your personal information on cookies. Except as provided in the Services Agreement, your personal and account information are kept in strictest confidence.
2. Security measures
The Service uses technology and physical security measures to ensure a high level of protection of your information. The Bank continually monitors trends and works with industry experts and authorities to ensure that we provide the highest level of protection possible. Security measures include:
(i) Industry-standard encryption
The Bank’s website uses 128-bit SSL (Secure Sockets Layer) encryption to ensure that information which is transmitted between your mobile devices or computer and the Bank’s website cannot be read.
(ii) Last login time displayed
When you successfully sign in to the Service, the welcome screen will display your last login date and time. This will help you determine whether unauthorised parties have accessed your account. If you suspect this has happened, contact your Relationship Manager immediately.
(iii) Account lockout and login timeout
After 3 failed login attempts, your account login will be disabled. Also, you will be logged out if you do not transact for 17 minutes.
(iv) Communication to clients
We will keep you informed of new threats to online banking that we are aware of, through updates on the website. You should be able to view these messages just before logging on to the Service.
3. Password precautions
Please keep your user ID and password safely. You are strongly encouraged to change your default user ID and password upon your first log-in. The following are some tips in using and choosing your password:-
(i) choose a password which is difficult to guess and of at least 8 characters in length. Please note that the password must include at least 1 capital letter and 1 number;
(ii) your password should not use the same digit or character more than twice;
(iii) do not choose passwords based on your user ID, or other personal details like your name, birthday or telephone number;
(iv) memorise your password and do not write down or record your password anywhere;
(v) do not divulge your password to anyone;
(vi) do not use the same password for other websites or services;
(vii) change your password regularly; and
(viii) disable your internet browser’s password storage function.
4. SMS OTP (One Time Password)
(i) do not allow anyone to keep, use or tamper with your SMS OTP;
(ii) do not reveal the OTP generated to anyone; and
(iii) report if your mobile phone registered to receive SMS OTP is lost or stolen immediately.
5. Precautions to make your devices/computer more secure
Security measures taken by the Bank cannot guarantee your security.
As security breaches can also occur at the devices / computer you use to access the Service, you are strongly encouraged to:-
(i) log out of the Service when you have finished your session;
(ii) install anti-virus, firewall and anti-spyware software from reputable vendors and update such software regularly.
(iii) regularly scan your computer for viruses;
(iv) install updates and patches to your computer operating system software to fix security weaknesses. You should always install updates and patches through the website of the software vendor. If you are using Windows XP, enable the “Automatic Updates” feature;
(v) ensure that you are running the latest version of your internet browser software;
(vi) remove file and printer sharing on your computer, especially if you access the internet via a cable or other forms of broadband connection;
(vii) make backups of all important data on your computer;
(viii) consider to use of encryption technology to protect sensitive data;
(ix) enable your encryption option if you use your computer in a wireless network;
(x) check your last log-in time and date, account balances and transactions frequently and report any irregularities to the Bank immediately;
(xi) ensure that your internet browser supports SSL128-bit encryption or a higher encryption standard;
(xii) ensure that when logging in to the Service, a new browser window opens and a security icon that look like a lock or key appears at the bottom of your screen; and
(xiii) double click on the security icon and ensure that the “Issued by” name on the security certificate matches the name of the website.
As the following may compromise your security, it would not be prudent to:-
(i) access the Service from public computer terminals like internet cafes, or any other computer which you are not certain is secure;
(ii) reply to any junk or chain e-mail;
(iii) open any e-mail attachment from strangers;
(iv) visit questionable websites;
(v) install any software or programs of unknown origin; or
(vi) disclose any personal, financial or credit card information to little-known, or suspicious websites.
6. Precautions against phishing attempts
Phishing attempts involve the use of hoax e-mails or fake websites that are designed to look like legitimate requests for information or websites in order to trick you into divulging sensitive personal information, such as your user ID, passwords or credit card numbers.
You can help guard yourself against phishing attempts by taking the following precautions:-
(i) Do not respond to any call or e-mail asking you to divulge any of your personal or account information including date of birth, transaction details, account balance, user ID or password. The Bank will never call you, or send you e-mails requesting such information. If you receive any such inquiry, do not respond and immediately contact your Relationship Manager.
(ii) Do not type in the address of the Service from memory. Either type in the address of the Service, “www.bankofsingapore.com” into a new browser window or add the address of the Service to your bookmarks or favorites bar on your internet browser, and click on the BOS Wealth Management System.
7. Researchware alert
Be aware of software known as “researchware”. Researchware is software that monitors and reports on Internet activity for market research purposes. Some products redirect all data you enter, including your login details, via their Internet servers to analyse Internet traffic trends and patterns. The Bank has no control over the security of your information obtained by other companies.
The Bank encourages you to scan your computer with anti-spyware software (see paragraph 5.ii above) to find and remove such software from your computer.
8. Precautions against Email Scams
Email Account Compromise (EAC)
Fraudsters may take over an individual’s legitimate email or create a deceivingly similar e-mail account to gain unwanted access to personal credentials or initiate unauthorised transfers.
Business Email Compromise (BEC)
Fraudsters may target businesses working with foreign suppliers and businesses who regularly perform wire transfer payments. This type of scam compromises official business email accounts when used to conduct unauthorised fund transfers.
A target may receive an email from a fraudster, purporting to be the target’s supplier or a senior executive internally (eg: CFO, CEO, CTO, etc).
Fraudsters typically use email addresses that are similar to email addresses of actual suppliers. In some cases, a fraudster may access and take over a supplier’s email account or that of their senior executive and use it to instruct the target to transfer payments to the fraudster’s account.
The following precautions may help to combat email scams:
• Beware of unusual requests received from suppliers or their senior executives (even if these are the regular contacts), and always check back with your regular contacts via another mode of communication to confirm whether they had actually sent any email request;
• Do not provide confidential or sensitive information (such as username ID, passwords or bank account information) or remit money pursuant to unsolicited callers or emails. Verify and confirm with the authorised payee if they have indeed changed their payment instructions or bank account details. You should only use verified bank account and payment details as authorised and confirmed by your payee.
• Do not give in to pressure. Be suspicious of any requests to take urgent action, especially if instructions are unusual or require you to bypass standard operating procedures.
• Carefully scrutinise all email requests for fund transfers to distinguish legitimate from suspicious or fraudulent transactions.
• Do not share your bank account details in public domains (eg. corporate websites) or over the phone to unknown individuals. This private information can be used fraudulently to trick genuine customers into making payments to alternative accounts.
• Install and maintain the latest anti-virus software on your mobile devices and computer.
• Do not click on hyperlinks, videos and attachments provided in emails or mobile messages (such as SMS and WhatsApp) from suspicious or unknown sources.
• For more information, please visit: https://www.ic3.gov/media/2016/160614.aspx
Please contact your Relationship Manager or general telephone no. Singapore: +65 6559 8000, Hong Kong: +852 2846 3980 immediately if you notice any unusual activities in your account or if you believe your account has been compromised.
Glossary of technical terms
Anti-virus software is designed to protect you and your computer against known viruses, worms and trojans. Ensure that your software is configured to download updates regularly.
Fake / Fraudulent websites
Also known as "ghost websites", the purpose of fake websites is to obtain your login details to access your bank accounts. They can also be used to obtain other personal information which could be used in identity theft.
Software designed to protect your computer or network from unauthorised access, especially via the Internet. It creates a security barrier between your computer and the Internet.
These emails usually claim to require your information and link to an authentic-looking, but fake website. They can also ask you to install software which often contains viruses. A number of customers from financial institutions have been targeted with hoax e-mails that appear to be genuine bank e-mails.
A type of software used to repair or update existing software, patches are regularly distributed by operating system vendors such as Microsoft and Apple.
Phishing is a collective term for the use of hoax e-mails and fake websites to deceptively obtain personal information to be used in identity theft.
Researchware is a software that monitors and reports on Internet activity for market research purposes.
Also known as "adware", spyware is hidden software that collects and transmits user information via the Internet to third-parties such as advertisers or hackers. Often the user is unaware that spyware is installed.You could become vulnerable to spyware if you download music from file-sharing programs, free games from sites you don't trust, or other software programs from unknown sources.
Viruses (and their relatives, worms and trojans) are malicious programs that can harm your computer or use your computer to harm another's computer or network.