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The Physical Digital Key is a small credit card sized device that looks like a calculator. The Digital Key creates 'One Time’ passwords (OTP’s) which are required for logging in and for making transactions. This is an extra level of security for your online accounts. It means that you need your Customer ID, your Digital Key and PIN to sign in and use Online Banking.
A Mobile Digital Key is a functionality within the KBC Mobile Banking app that allows you to log-in to Online Banking to use any additional functionality available: If you have downloaded the KBC Mobile Banking app, you can use your phone instead of a Physical Digital Key.