allianceonline

TIP #1: ALWAYS ensure your SECURE PHRASE is correct before login

A Phishing website is a fake/bogus site which has “look and feel” that is very identical to the actual Internet Banking site. A phishing site is a scam to steal personal banking credentials to commit fraud.

Secure Phrase is an anti-phishing feature to help customer to identify the correct allianceonline website. It is a personalised phrase and color created during first time registration. This phrase is rendered as a unique image which is displayed every time a username is entered on the Login page. Customer must not enter his/her password if the Secure Phrase displayed is not the chosen phrase and color.

In our continuous effort to upgrade the online banking security, we will be enhancing our Secure Phrase at the login page where customer acknowledgement will be mandatory before the password entry. The feature will be available effective 26 August 2016.

Sample Secure Phrase at the correct allianceonline site:

TIP #2: ALWAYS check your SMS TAC to ensure it matches your intended transaction

Confirm that beneficiary name, beneficiary account number, transfer amount and type are correct before entering the TAC (Transaction Authorisation Code) for transaction.

Sample SMS TAC for Instant Transfer:

TIP #3: ALWAYS type the allianceonline URL: www.allianceonline.com.my

he correct allianceonline URL to be typed into the browser address bar is: www.allianceonline.com.my

Correct allianceonline website:

Sample Phishing website:

TIP #4: NEVER click on links in Email/SMS/Messenger/Search Engine Advertisements

Phishing Through Search Engine Advertisements

The fraud tactic uses Search Engines such as Google, Yahoo and Bing to direct users to a phishing website. This happens when unsuspecting user searches for a financial institution name using Search Engines and clicks on the first search result which is a deceptive advertisement that leads to a phishing website.

Phishing Through Email/SMS/Messenger

The fraud tactic uses Email or SMS or Messenger that contains a hyperlink to direct users to a phishing website. The Email/SMS/Messenger applies the following phrases to trick users to click on a hyperlink contained in the message: “account update”, "security maintenance", "investigation of irregularities.", "your account has been blocked", "we need to reconfirm your details", "your credit card has been cancelled", “you have won a contest” or even "you have a large sum of money in your account, please verify the withdrawals or accounts."

TIP #5: NEVER disclose your ATM PIN, username, password and TAC to anyone or register any other person’s phone number to receive your TAC

Always be alert when an unsolicited caller requests for your personal banking information such as ATM PIN, internet banking username & password and bank account details over the phone. The fraudster will usually claim to be a Bank, regulator or enforcement officer to trick users to disclose such information to commit fraud.

Watch out for familiar signs such as "investigation of irregularities.", "your credit card has been cancelled", “you have won a contest” , "you have a large sum of money in your account, follow these steps to collect your money” or "your account has a problem, follow these steps to secure your money "

Plolice Alert

• NEVER respond to any phone call / SMS / e-mail requesting your bank account details.
• NEVER reveal your bank account details / ATM PIN / internet banking password to anyone.
• NEVER follow instruction from any unknown party to do banking transactions or make changes to your bank account details.
• NEVER be a victim of schemes that sound too good to be true.

TIP #6: ALWAYS install an anti-virus/anti-malware software and keep it up-to-date to ensure that the computer system is not infected by virus/malware

TIP #7: ALWAYS secure your computer system with a password

TIP #8: NEVER leave your logged on computer system unattended in a public area

Online Security

While Alliance Bank has to its best endeavor implemented a variety of security measures to safeguard your Internet banking transactions, you too, have a role to play. Here are some recommended security measures to protect your online transactions.

1. Login via Alliance Bank official website at https://www.alliancebank.com.my ; or via allianceonline login page at https://www.allianceonline.com.my
2. Choose a password with combination of alphanumeric, numbers and symbols. Avoid using a password that is easy to guess. 
3. Change your password frequently.
4. Memorize your username and password. Do not write them down anywhere.
5. Never reveal your username and password to anyone.
6. Use your personal computer. Avoid crowded places and do not use public computer to do banking transaction.
7. Safeguard your personal computer by installing personal firewall, anti-virus and anti-spyware
8. Monitor your banking accounts and ensure all transactions are accurate. Notify us immediately of any discrepancy, error or suspicion that security has been breached.
9. As security is the topmost important component of Internet banking, Alliance Bank has implemented the following security features to protect the privacy and integrity of all internet banking transactions.

128 Bit Encryption

While Alliance Bank has to its best endeavor implemented a variety of security measures to safeguard your Internet banking transactions, you too, have a role to play. Here are some recommended security measures to protect your online transactions.

Higher encryption (128-bit) is exponentially more powerful than a standard encryption (40 or 56-bit).

Automatic Time Out

When there is no activity detected for a certain timeframe, allianceonline will terminate the customers’ secured online session to help protect against unauthorized access.

Secured log in using username and password

While Alliance Bank has to its best endeavor implemented a variety of security measures to safeguard your Internet banking transactions, you too, have a role to play. Here are some recommended security measures to protect your online transactions.

Secure Phrase

Secure Phrase is an anti-phishing feature to help customer identify the correct allianceonline website. It is created when you register for the first time and you were prompted to create a phrase of up to 20 characters. This phrase is rendered as an image which is displayed to you every time a username is entered on the Login page. You must not enter your password if the Secure Phrase displayed is not your chosen phrase.

Transaction Authorization Code (TAC)

TAC is a unique 6-digit security code which is sent via SMS (Short Message Service) to your registered mobile phone number. It provides an additional layer of security to the existing username and password authentication. TAC is required to secure high risk and sensitive Internet banking transactions and it is only valid for one transaction.

Phishing Website

"Phishing" is the creation of web pages that replicates existing legitimate sites of well-known companies and businesses. This is done by unscrupulous individuals/organisations to trick consumers into divulging personal financial information such as bank account numbers, Credit Card security details, ATM Personal Identification Numbers and other personal identifiers. The stolen data may be used to commit fraud.

• Only access allianceonline via the Bank's official website at https://www.alliancebank.com.my; or via allianceonline login page at https://www.allianceonline.com.my
• Never access the Alliance Bank's website from attachments or website links in any email, SMS, Messenger or Search Engine Advertisements. It may be a scam.
• Customers who have received such email requests and may have disclosed such confidential information to a fraudulent website are advised to contact the Bank IMMEDIATELY at 03-5516 9988.

Security Tips

1. Who can sign up for allianceonline?

• Existing Alliance Bank customers with a Current Account, Saving Account, Loan/Financing Account and/or Credit/Prepaid Card aged 18 years and above
• For joint account holders, the condition for signing authority must be set at “either one to sign”

2. What is the pre-requisite for registration via ATM/Debit Card?

You must have:

• Your 16-digit ATM/Debit card number
• Your ATM/Debit card PIN number
• Your latest mobile phone number registered with Alliance Bank

3. What is the pre-requisite for registration via Credit/Prepaid Card?

You must have:

• Your 16-digit Credit/Prepaid card number
• Your card credit limit which can be retrieved from your monthly statement
• Your Identification Number, Passport Number or Military IC
• Your latest mobile phone number registered with Alliance Bank.

4. What is the pre-requisite for registration via Temporary ID?

You must have:

• A Temporary ID obtained from Alliance Bank Contact Center
• Your latest mobile phone number registered with Alliance Bank.

5. What is a Temporary ID?

A Temporary ID can be used to register for customers who do not have an ATM/Debit Card or Credit/Prepaid Card. This is applicable, but not limited, to Loan/Financing only customer, Alliance Stockbanking only customer, Sole Proprietor or Deposit accountholder without an ATM card. Temporary ID is a permanent 6-digit identification number which can be obtained by calling Alliance Bank Contact Center at 03-5516 9988 upon successful customer verification.

allianceonline 6. What if my latest mobile phone number is not already registered with Alliance Bank? If you have an ATM/Debit Card, then proceed to your nearest Alliance Bank ATM to update your mobile number:

1. Visit any Alliance Bank ATM machine
2. Insert your Alliance Bank ATM card and select language
3. Select Other Services
4. Select More Services
5. Select “Internet Banking Activation or Upgrade”
6. Enter mobile phone number for Internet Banking Activation or Upgrade
7. Upon successful registration, the message “Transaction Accepted” will be displayed.

If you have a Credit/Prepaid Card, please call the Alliance Bank Contact Center at 03-5516 9988 to update your mobile phone number for the card.

If you do not have any Alliance Bank card, please visit the branch to update your contact details mobile phone number.

7. What is T-PIN?

A T-PIN (Temporary PIN) is a unique 6-digit security code which is sent via SMS (Short Message Service) to your registered mobile phone number. It serves as an additional verification on top of the card or ID verification process.

8. When will I receive my T-PIN?

T-PIN will be sent to your registered mobile phone number as soon as the verification process is successful.

9. What is the validity of the T-PIN?

For registration via ATM/Debit card and Credit/Prepaid card registration, T-PIN is valid for 10 minutes, after which, it will expire. For registration via Temporary ID, T-PIN is valid for 3 days, after which, it will expire.

10. What if I lose my T-PIN or if the T-PIN expires?

For registration via ATM/Debit card and Credit/Prepaid card registration, you will need to re-register. For registration via Temporary ID, you will need to call the Alliance Bank Contact Center again to obtain your T-PIN.

11. What if I have a problem with registration?

Please call the Alliance Bank Contact Center at 03-5516 9988 for assistance.

12. How many attempts am I allowed for ATM PIN or Credit Card verification?

Customers are given three attempts for ATM PIN or Credit Card verifications. After which, the card will be blocked.

13. What would happen if my card is blocked?

You will not be able to register using your ATM/Debit card and Credit/Prepaid card number. Please call the Alliance Bank Contact Center at 03-5516 9988 to unblock your card.

14. What is the access package provided for registration via ATM/Debit Card?

You will be given full “Inquiry and Transaction” access package to allianceonline which enables you to view account balances and to perform financial transactions online.

15. What is the access package provided for registration via Credit/Prepaid Card?

You will be given an “Inquiry and Limited Transaction” access package to allianceonline which enables you to view account balances.

16. What is the access package provided for registration via Temporary ID?

You will be given an “Inquiry Only” access package to allianceonline which enables you to only view account balances online

17. How can I upgrade my access package from “Inquiry Only” to “Inquiry and Transaction”?

If you have an ATM/Debit card later on, you may perform a self-service upgrade. Here’s how:

1. Login to allianceonline
2. Select My Profile
3. Select Online Package Update
4. Select the “Inquiry and Transaction” package
5. Go through the ATM/Debit Card verification process

18. Which number will be used as my TAC number?

For registration via ATM/Debit card and Credit/Prepaid card, the TAC mobile number will be the mobile phone number that has been verified during the registration process.

19. How do I update my mobile phone number for TAC?

If you have registered via ATM/Debit Card, then proceed to your nearest Alliance Bank ATM to update your mobile number:

1. Visit any Alliance Bank ATM machine
2. Insert your Alliance Bank ATM card and select language
3. Select Other Services
4. Select More Services
5. Select “Internet Banking Handphone Update”
6. Enter mobile phone number
7. Upon successful registration, the message “Transaction Accepted” will be displayed 

If you have registered via Credit/Prepaid Card, please call the Alliance Bank Contact Center at 03-5516 9988 to update your mobile phone number for the card.

If you do not have any Alliance Bank card, please visit the branch to request for a TAC mobile number registration.

1. Which transactions require TAC?

TAC is required for the following transactions:

1. Pay Others in Alliance Bank
2. Pay Others in Other Bank
3. Pay Cards
4. Pay Loan/Financing
5. Pay Bills
6. Add Payee to Favourites
7. My eSaving Account Opening
8. Update My Profile

2. How does TAC work?

For transactions that require TAC, you must be authenticated via the TAC. The following steps summarise the transaction flow:

1. Select a transaction that requires TAC. Enter the transaction details.
2. Upon confirming on the transaction, click on “Request TAC”
3. TAC will be sent to your mobile phone number via SMS
4. Enter the TAC and click on “Confirm”
5. Upon successful TAC verification, the transaction will be successful

3. How to update mobile phone number for TAC?

If you have registered via ATM/Debit Card, then proceed to your nearest Alliance Bank ATM to update your mobile number:

1. Visit any Alliance Bank ATM machine
2. Insert your Alliance Bank ATM card and select language
3. Select Other Services
4. Select More Services
5. Select “Internet Banking Handphone Registration”
6. Enter mobile phone number
7. Upon successful registration, the message “Transaction Accepted” will be displayed
8. Log onto allianceonline to perform transactions that require TAC.

If you have registered via Credit/Prepaid Card, then call the Alliance Bank Contact Center at 03-5516 9988 to update your mobile phone number for the card.

If you do not have any Alliance Bank card, please visit the branch to request for TAC mobile number registration.

4. How long is it before the TAC expires?

The TAC expires in 15 minutes.

5. Can the TAC be used for multi transactions?

The TAC can only be used once for the one transaction that you have requested for.

6. Can I request for TAC overseas?

TAC can be requested from overseas if you have already registered your mobile phone number for TAC.

7. Is there any charge for the TAC via SMS?

It is available free of charge.

8. How long do I have to wait to receive the TAC?

TAC will be sent immediately to the customer’s mobile phone as TAC is requested for. The duration of the SMS transfer to the customers will be dependent on the mobile network service at that time.

9. How many attempts are allowed for TAC verification?

Customers are given three attempts for TAC verifications. After which, the customer’s Security ID will be locked.

10. What would happen if my Security ID is locked?

You will not be able to perform transactions that require TAC if your Security ID is locked. Please call the Alliance Bank Contact Centre at 03-5516 9988 to unlock your Security ID.

11. What is the shortcode in the SMS to indicate that the TAC is from Alliance Bank?

The shortcode “ABMB” in the SMS indicates that the TAC is sent by Alliance Bank.

12. What if I did not receive a TAC which I have requested for?

The SMS TAC is sent by Alliance Bank via sender code 66300. Ensure that this sender code is not blocked by the mobile network service provider. If the problem still persists, please contact the Alliance Bank Contact Center at 03-5516 9988 for assistance.

13. What if I lost my mobile phone for TAC?

As a security precaution, please contact the Alliance Bank Contact Center to lock your Security ID. You can update to a new mobile phone number or unlock your existing mobile number for TAC later on once the mobile phone is recovered.

14. I have just changed my mobile number via MNP. Will the TAC be sent to my new mobile number?

For Mobile Number Portability (MNP), an agency known as Talian Gerak Alih Sdn Bhd (TGA) is responsible for updating the routing information for all Mobile Service Providers. Their turnaround time is 5 working days. For customers who have changed to a different Telco, they will not be able to receive SMS TAC sent via a Short Code until TGA updates the information. Customer is advised to check with their respective Telco to ensure that mobile change has been affected before transacting via TAC.

15. What if I receive a TAC which I did not request for?

As a security precaution, please contact the Alliance Bank Contact Center at 03-5516 9988 immediately.

1. What DuitNow ID is available for registration?

You can register multiple DuitNow IDs by linking them to your Alliance Bank Current/Savings account/-i by using the following ID for registration:

1. Mobile No. (for Malaysians only)
2. NRIC No. (for Malaysians only)
3. Passport No. (for non-Malaysians)
4. Business Registration No.

2. Can I link my DuitNow ID to more than one Current or Savings account/-i?

No, one DuitNow ID can only be registered to one bank account at a time.

3. Where can I register and change my DuitNow ID registration details?

When the DuitNow service is launched, you can log in to allianceonline to manage your ID settings anytime.

4. Do I need to register to send DuitNow?

No, registration is not required to transfer money via DuitNow.

5. Can I schedule a future-dated or recurring transfer with DuitNow?

Yes, DuitNow supports future dated and recurring transfers. However, this is only supported on allianceonline.

6. Can I save DuitNow IDs as a favourite recipient?

Yes, saving a DuitNow ID as a favourite recipient allows you to perform subsequent quick and easy transfers on allianceonline.

7. Is there a limit for DuitNow Transfer?

The maximum daily transfer limit is RM50,000, whereby this is subjected to a combined limit for 3rd Party i.e , Interbank GIRO (IBG), Instant Transfer, Telegraphic Transfer, and DuitNow.

8. Are there any fees or charges for using DuitNow?

Transfers up to RM5,000 are free while a charge of RM0.50 per transaction applies for transactions above RM5,000.

9. What types of account can be registered for DuitNow?

Savings Accounts and Current Accounts can be registered for DuitNow.

10. Can a third party register my mobile number to their account number for DuitNow?

No, the Bank will only allow the account holder’s mobile number registered within the Bank to be tied to the account.

11. How do I de-register my DuitNow ID?

1. Select Payment/Fund Transfer
2. Select ‘DuitNow’
3. Select ID maintenance
4. Select the ID you wish to de-register, and select ‘Delete Proxy’

12. What if I encounter a problem that is not listed above?

Please call Alliance Bank Customer Service at 03-5516 9988 for assistance.