How to bypass bank OTP verification in Nigeria – The “OTP” is a second-level authentication through which banks and credit/debit card companies ensure that whoever is using the such card is the right owner.
However, there are instances where you may need to use your card without the OTP, which may be a one-off thing till you get back to status.
Note: This guide is meant to help legitimate account owners how to bypass bank OTP verification in Nigeria in case they need it.
If you are a SCAMMER looking to rip someone off their hard-earned MONEY, this guide is not for you and with due respect kindly use the exit button on your device and leave us in peace, thank you.
Reasons you may need to bypass the bank OTP verification as a genuine owner
1. It could be that you no longer have access to the SIM card or mobile line linked to your bank account or such card.
2. It could be that you get to start using a card without due configuration template to have set up your OTP and you are required to provide it to consummate your transactions, etc.
Let me be more intentional with you, no system is 100% safe, even banks, that’s why sometimes hackers get to them and steal a lot of money from their customers.
However, be consoled that the banks use a well-secured method to keep your account safe, occasionally, hackers find a way to bypass the 2FA instituted by the banks.
How hackers bypass Two-factor authentication
Hackers find a way to intercept the code from your carrier and gain access to your account, while some use SIM swapping to bypass the bank OTP verification.
But I have a piece of good news for you: Banks are always improving security methods, and most hackers who by any means succeed are intercepted, and the law picks them for fraud afterward.
How to login to your bank account without the OTP
Given the two reasons cited above, if you no longer want to use the OTP or secure pass to login into your bank account, kindly follow the below steps;
1. Log in to your bank account
2. Click on “Settings>>Security and disable Two-Factor Authentication. This may appear different concerning your bank.
3. Kindly check the phone or email registered with the bank for a code
4. Copy and paste the code in the field required, and confirm changes.
Having done this, going forward you won’t be required to provide “OTP” to log in or complete your transactions.
Frequently asked questions on how to bypass bank OTP verification in Nigeria
Debit card transactions without OTP in Nigeria
Debit card transactions without the OTP are conducted in Nigeria in different ways;
1. The XCARET100 /how to transfer money with only card number and CVV in Nigeria
Now, this is a payment application that allows online transactions without your credit card as well as a one-time password.
It only requires the credit card PAN, CVV, and expiry date to complete transactions.
It does not require your PIN or OTP to complete a transaction.
Here’s why you’ll always need to keep your card details safe, and free from third-party access.
2. The Yapi Kredi Internet Banking
You can consummate transactions on this platform with your card without getting worried about the OTP. QR code payments are well as enabled at the POS terminals.
Paystack is an Apple Pay partner, some online stores on Paystack do not require OTP for online payments, and most of these stores are international.
However, there are no Nigerian retailers that accept payments without OTP verification.
With Flutterwave you can complete your online payments without the OTP, if you are looking not to use a PayPal account in Nigeria, it could be a good alternative.
Image credit: Istock