One-Time PIN

An OTP is a unique PIN that is generated in the Kogan Money Credit Cards Mobile App or can be sent by SMS to your registered mobile phone.

OTPs allow us to authenticate your identity before you update your personal details or request other changes to your Account and preferences.

After you log in, you will be able to view your Account balance, transaction history and view available offers without entering an OTP.

 Depending on which other features you want to access, you may be asked to enter an OTP.

We take the security of your account and personal information seriously, which is why we require this additional layer of authentication before you can access some features.

Please check your personal details in Kogan Money Credit Cards Online or the Mobile App to confirm that your registered mobile number is up to date. If you’ve checked your mobile number and still aren’t receiving OTPs, or you are unable to log in, please contact us for assistance.

No, you will need a mobile phone to receive an OTP.

You can still receive an OTP via SMS when overseas, however please be mindful of potential charges from your mobile carrier.