Your Ontop Platinum Card uses three different codes depending on the situation. Here's what each one is, when to use it, and where to find it.
PIN (4 digits): for in-store payments
Your personal code for using your physical card in the real world.
- You create it yourself when activating your physical card
- You need it when paying in physical stores or withdrawing at ATMs
- You can change it anytime from the app
How to change it: go to Card Settings (gear icon ⚙️) → Reset physical card PIN.
CVV (3 digits): for online purchases
The security code for your online purchases.
- It's fixed
- Find it in the app: go to the Card tab → tap the eye icon 👁️ → Card details
Authorized subscriptions and recurring payments continue processing normally without needing to enter the CVV each time.
Dynamic Token (6 digits): for secure account access
A one-time password that protects access to your sensitive card information.
- Changes regularly
- You need it to view your card details from a new device
- Find it in the app by tapping the shield icon 🛡️ in the top right corner
To successfully activate the dynamic token, the date and time on your device must be set to update automatically and be synchronized with the current time. If your phone has a manual or outdated date or time, the token may generate errors or fail to activate.
Follow these steps:
- Go to your device’s Settings.
- Find the “Date & Time” option.
- Enable the “Automatic” or “Sync with network/Internet” option.
Disclaimer: The Dynamic Token is not a regular 2FA that's requested on the login, is requested when performing certain actions on the app or platform
Quick reference
| Situation | Code | Where to find it |
|---|---|---|
| Paying in a physical store or ATM | PIN (4 digits) | You create it. Change it in Card Settings ⚙️ |
| Shopping online | CVV (3 digits) | Card tab → eye icon 👁️ |
| Viewing card details on a new device | Dynamic Token (6 digits) | Shield icon 🛡️ in the app |
Need help?
Reach out from the app or at support@getontop.com. We're here.