First was my OCBC token. It said "low battery", but I ignored it.

And when I finally need to use it, it was dead. Granted that I could use SMS OTP, I had to make a big transfer to other banks and it was over the withdrawal limits. And to do that, I needed the ibanking token.

And serve me right for not activating the onetoken.

In the end, I had to call in to OCBC call centre for a replacement. 7 working days, they said. What a long wait.

In the midst of it, I needed to make my interbank transfers. I even went down to OCBC bank and explored a stupid manual way i.e to withdraw cash and deposit into the other bank. But the moment they told me they ran out of big notes, I got scared.

While waiting for the token