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QNB 3D Secure

For secure online shopping, use your QNB Debit Card with a One-Time Password.

Whether you’re buying a ticket, booking a hotel or purchasing products online, just use your QNB Debit Card and enjoy greater peace of mind with a secure One-Time Password.



QNB 3D Secure is a free service that protects your QNB Debit Card against unauthorized use and gives you peace of mind when shopping online.

It is the international standard for securing internet purchases, implemented and certified by Mastercard, that uses a personalized authentication method for identifying customers when they are using cards for online payments.

Your QNB Debit Card can now be used at all international merchant websites that are using 3D Secure and are displaying the Mastercard SecureCode logo.

How does it work?

When you pay at an online store that displays the Mastercard SecureCode logo you will be prompted to enter a unique One Time Password (OTP) which will be sent to your registered mobile number to complete your transaction.


There are 4 easy steps to follow when you purchase online through 3D Secure with an OTP:

1. Enter your card details, just as a regular online purchase,

2. After you click and proceed to payment, you will be automatically redirected to QNB’s 3D Secure authentication page,

3. Enter the OTP that you receive on your mobile number and click Submit,

4. Your transaction will be approved if the OTP is correct and your card account has balance and is in standing order.


In order to successfully use the OTP service and be protected when paying at 3D Secure online stores, please update your mobile number every time there is any change. You can update your mobile number by calling our Customer Care Center or visiting any QNB branch.

Please review the terms and conditions applicable to this service:


“3D Secure service” from QNB Terms & Conditions 


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