Frequently Asked Questions

Internet banking is an easy way to access your accounts, make payments and transfers, from home, work or anywhere with internet access using your laptop 24 hours a day, 7 days a week.

To self-register for Internet Banking you must be a bank customer. You can apply for an account by visiting a J Trust Royal Bank branch or calling our Customer Care hotline number on 023 999 000. To self-register, follow the instructions above.

You can access Internet Banking three ways:

1. By clicking on the ‘Internet Banking’ option on the J Trust Royal Bank home page,
2. By clicking on the ‘Login’ tab on the top right of the J Trust Royal Bank home page, or
3. By inserting this URL [Insert URL] into your Internet browser.

You can access Internet Banking using any recent Internet browser such as Google Chrome, Internet Explorer and FireFox.

OTP stands for One-Time Password. It is a 6-digit security code that is sent to your registered mobile phone number that you have with the bank. It is an additional level of security to protect you whenever you use Internet Banking. This is a temporary code that will expire 30-secords after you receive it.

You will need to use an OTP for the following:

1. When you perform any functional or security level transaction, such as changing a password
2. Forgotten and expired passwords
3. Forgotten User ID
4. Self-registration
5. Within bank transaction, domestic transaction and international transaction
6. Credit card payment
7. Bill payment
8. Cheque book request, banker’s cheque request
9. Change debit card limit
10. Card replacement, block and unblock card
11. Modify transaction limit

No. Tokens have been replaced by a one-time password (OTP) sent via SMS to your nominated mobile number. This will give you the same secure access without the need to carry a physical token.

No. You can only receive an OTP to your registered mobile phone.

If you are travelling overseas and you expect to access Internet Banking during this time, it is recommended that you enable international roaming to receive an SMS message.

OTP is a global industry security practice. It is the most secure way to ensure your bank accounts and personal information are protected. It is very important that you keep your log in credentials such as your Customer ID, your Username, your password and OTP confidential. It is recommended that you do not share any of these codes with family members, friends, colleagues or bank staff.

You can contact us by calling our Customer Care hotline open 24/7 on 023 999 000 or by visiting us at your nearest J Trust Royal Bank branch.