Digital Signature Certificate - Deutsche Bank

Digital Signature Certificate (DSC) authenticates identity electronically. It also provides a high level of security for online transactions by ensuring absolute privacy of the information exchanged using a digital certificate.

As part of enhanced security for db OnlineBanking, DSC is mandatory for authorizing the financial transactions if the daily debit limit consumption in db OnlineBanking is above Rs. 50 lakhs.

For corporates with a single user or no workflow, DSC will be requested at the time of initiation if above criteria is met. For corporates with workflow, DSC authorization will be requested only at the time of final approval of the transactions meeting the above criteria but not at the time of initiation or intermediary approval.

The following transactions will need to be authenticated by DSC if it meets the criteria given above

Bill Payments
db DirectDebit*
db QuickPay
NEFT / RTGS
Funds transfer to other Deutsche Bank Accounts
Bulk uploads - Within Deutsche Bank / Outside Deutsche Bank Transfer

*db DirectDebit - purchases done on other websites using Deutsche Bank Net Banking as payment option.

Frequently asked questions

Registration process

Digital Signature Certificate (DSC) can be purchased from any Certifying Authority (CA). If you already have a DSC issued by your CA*, you can register it on db OnlineBanking.

If you do not have a DSC, you can procure directly from a certified CCA. Click here to refer the link for certified CCA.

Alternatively you can approach our branch for support in purchasing a DSC from eMudhra.

Once you have a DSC, please complete the following steps for registration:

Plug the DSC token to your computer
Click here to see the steps for installation of the DeutcheSigner tool (on Windows) required for registration
Click here to see the steps for installation of the DeutcheSigner tool (on MAC) required for registration
Click here for Token Driver installation process (on MAC)
Post installation of DeutcheSigner tool, Login into db OnlineBanking, click here for the detailed process for registration of DSC
Once the registration request is approved by the bank, you will receive an SMS / email confirmation

Note:

The DSC can be used only after successful approval of the registration request by bank

*Only Class 3 DSC will be accepted. If your existing DSC is not Class 3 you will need to purchase a new one.

*It should be organization certificate issued for the user if user is non-individual customer

Transaction authorization

Digital Signature Certificate (DSC) is mandatory for online transactions whenever the daily debit limit consumption in online banking is above Rs. 50 lakhs. For corporate customers DSC authorization will be requested only at the time of final approval of the transaction and not at the initiation stage of the transaction.

You can also use DSC for transactions with a daily debit consumption limit is less than or equal to Rs. 50 lakhs, if your DSC is successfully registered and approved by the bank.

The following transactions will be considered, for calculating the daily debit limit

Bill Payments
db DirectDebit
*db QuickPay
NEFT / RTGS
Funds transfer to other Deutsche Bank Accounts
Bulk uploads - Within Deutsche Bank / Outside Deutsche Bank Transfer
*db DirectDebit - purchases done on other websites using Deutsche Bank Net Banking as payment option.

Please find below steps for authorization of transaction using DSC

For Retail

Plug the DSC token to your computer
Login to db OnlineBanking and fill in transaction details and submit
If your daily debit limit consumption is above Rs. 50 lakhs and DSC is succesfully registered, a pop up window will open prompting you to select the DSC for authorizing the transaction
On selecting the DSC it will prompt you to enter the DSC token password
Enter the DSC token password and click ok. A pop-up window will be displayed with the transaction details
Review the details and select the DSC
Click the Sign button
On successful validation, the transaction will be submitted for processing

For Corporates

For corporates with single user or no workflow, the DSC will be requested during transaction initiation. For corporates with workflow, DSC authorization will be requested only at the time of final approval of the transaction and not during the transaction initiation or intermediary approvals.
Plug the DSC token to your computer
Login into db OnlineBanking and approve the transaction
If your daily debit limit consumption is less than or equal to Rs. 50 lakhs and the DSC is succesfully registered, a pop up window will open prompting you to select the DSC for authorizing the transaction
On selecting the DSC it will prompt you to enter the DSC token password
Enter the DSC token password and click on ok. A pop up window will be displayed with transaction details
Review details and select DSC
Click the Sign button
On successful validation the transaction will be submitted for processing