Download the RMB Private Bank App

Get the RMB Private Bank App

Frequently asked questions

What is it?
As part of our digital payments strategy we are pleased to announce the arrival of Fitbit Pay™ and Garmin Pay™, extending the convenience of contactless payments to smart wearable devices.

As an RMB Private Bank customer you no longer need to worry about carrying cash or cards, but can enjoy peace of mind when making payment using one of our convenient and secure digital solutions.

How does it work?
RMB Pay, along with Fitbit Pay™ and Garmin Pay™ use contactless payment technology to ensure a convenient, faster and safer way to pay.

To access Fitbit Pay™ and Garmin Pay™, check the Fitbit and Garmin websites to ensure you have a compatible device.

Fitbit Pay™ and Garmin Pay™ is available to existing RMB Private Bank clients who have the latest compatible Fitbit and Garmin devices and have downloaded the Fitbit and Garmin Apps onto their smartphones (iOS and Android).

All you have to do is load your RMB Private Bank card details onto the Fitbit Pay™ and Garmin Pay™ Apps, authenticate using the OTP received and make payments with ease from your wrist with just a tap.

Does it cost anything?
No, there are no additional service fees or charges.

How do I get it?
To access this service, ensure you have a compatible Fitbit or Garmin device and have downloaded the devices app to your phone. You may find a list of compatible devices and device set up guides on the Fitbit and Garmin websites.

Security and technology

Overview
Client safety forms the cornerstone of our digital payment solutions.
We use the latest technologies and techniques to ensure transactions are secure.

Security: What you need to know
Your sensitive payment data is secured using the latest payment technology and techniques. Despite the security inherent in our digital payment solutions, the point of sale device will also prompt you to enter your card PIN for certain transactions while making a contactless payment. Further security measures are designed to protect you when using our digital payment solutions such as your card PIN, device passcode and your RMB Private Bank App username & password. These should only be known to you and never be shared with anyone.

Visa token service

Replaces a traditional card account number with a unique payment digital identifier
Restricts the use of a payment token by device, merchant, transaction type or channel

Technology: What you need to know
For contactless payments, the underlying technologies in use include HCE (Host Card Emulation) and NFC (Near Field Communication); both follow the EMVCo standards for effecting secure contactless mobile payments. These technologies also enable the likes of Apple Pay and Android Pay.
RMB Pay Checkout and Scan to Pay use the latest security standards for "card not present" forms of payment. The resulting transaction is fully 3D Secure compliant ensuring the relevant protections for both the card-holder and merchant.

Token qualities

Enhanced security: Sensitive card information not shared with merchant
Format preserving: EMVCo token uses standard ISO 8583 message format
Domain controlled: Use restricted by specific domain / requestor
Independent: Acts independent from PAN, requires ID&V

How to set up Fitbit

How to set up Fitbit Pay™ onto your device:

Open the Fitbit App on your phone
Select 'Set up a Device'
Accept Fitbit Ts & Cs
Create device PIN
Device will now appear on list of devices

How to add your card on Fitbit Pay™:

Open the Fitbit App on your phone
Tap the picture of your watch on the top left corner
Select 'Fitbit Wallet'
Set up a 4-digit PIN
Enter RMB Private Bank card details as listed
Accept Ts & Cs
Tap the 'Activate on Ionic' or whichever Fitbit device name you have

Please note, the PIN code is to prevent others from making payments using your watch.

Every time you wear your Fitbit you will be required to enter this 4-digit PIN. For your security, the Fitbit stays in an authenticated mode for 24 hours or until you take your Fitbit watch off your wrist.

You can switch cards anytime on the Fitbit mobile App and your card number/details will never be stored on your device or Fitbit services. When you pay, your card number/details will never be shared by Fitbit merchants.

Step-by-step authentication on Fitbit:

Open Fitbit App on your phone
Tap the picture of your watch in top left corner
Select 'Fitbit Wallet'
Set up a 4-digit PIN

How to make a payment:

Press and hold the left button on Fitbit
Hold the Fitbit display near the card reader
Tap onto card reader. You will feel a pulse and see a check mark on the Fitbit display meaning Payment is complete

How to maintain your card:

Should you wish to change your cards, all maintenance can be done on the Fitbit Mobile App

To access this service, ensure you have a compatible Fitbit device and have downloaded the device's app to your phone. You may find a list of compatible devices and device setup guides on the Fitbit website at www.fitbit.com.

How to set up Garmin

How to set up Garmin Pay™ onto your device:

Download and launch Garmin Connect App on your smartphone
Follow instructions to set up a Garmin Connect account or sign into an existing account
Pair your device to Garmin Connect by following the on-screen instructions - ensure Bluetooth is turned on your smartphone and your device is in phone pairing mode
During set-up it will ask you if you want to set up Garmin Pay™ now, alternatively you can set this up later in Garmin Connect App by going to Garmin Devices - Select your device - Select Garmin Pay™
Select Create your Wallet

How to add your FNB card onto Garmin Pay™

Create a 4-digit passcode to secure the wallet on your device
Select 'Visa' to add any of your RMB Private Bank card to the wallet
Enter RMB Private Bank card details or select 'Scan my card' to take a picture of your RMB Private Bank card
Accept bank Ts and Cs

Step-up authentication

Select 'Step-up authentication method' (SMS/email)
Enter OTP received from RMB Private Bank

How to make a payment:

Press and hold button on device to open the controls menu page and navigate to the Wallet icon
Select the 'Wallet' icon
Enter your 4-digit passcode
Your card will appear on screen. To switch cards swipe down or press the down button
You will be prompted to hold your device near the card reader
The watch will vibrate and display a green checkmark when the payment has been successful
While you are wearing the watch, you can make payments for the rest of the day without entering your passcode again. If you disable heart rate monitoring by removing the watch from your wrist or 24 hours have lapsed you must enter your passcode again before making a payment.

How to maintain your card:

You can view your wallet in Garmin Connect App by selecting Garmin Devices
Select your device
Select Garmin Pay™
Select 'Manage my wallet'
Select a payment card
Options to temporarily suspend your card or delete it from your wallet will be displayed

To access this service, ensure you have a compatible Garmin device and have downloaded the device's app to your phone. You may find a list of compatible devices and device setup guides on the Garmin website at www.garmin.co.za.

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WATCH APP

Bank on your own time

We use a number of security mechanisms to prevent fraud because your security and the privacy of your personal information are important to us. Be security conscious and help us protect you.

Discover the Watch App

Benefits

How to get it

Streamlining the process

Download now

DISCOVER THE WATCH APP

Instant, on the move and safe

Transform the way you bank with the Banking App and your smart watch*. Bank instantly, wherever you take your watch. On the move, in the gym, on a boat or on top of Table Mountain. The new era of banking has arrived. It's safe, secure and even easier.

* To effectively use the RMB Private Bank Watch App ensure that your smartphone (with the activated banking app) is in close proximity

BENEFITS

Keep a watch on your banking

SECURE PAYMENTS

Pay from your payment history

MAKE NEAR PAYMENTS

Perform a Geo Payment to another watch or phone in close proximity

BUY

Top up prepaid products from your prepaid history

KEEP UP TO DATE

View a snippet of your transaction history

WITHDRAW CASH

Use Cardless Cash withdrawals

SHOPPING

Redeem vouchers & coupons

HOW TO GET IT

All it takes is one tap

STEP 1

Download the Watch App from your app store

STEP 2

Select 'Pair' on the Banking App

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