[forum456]

Bro can please advise here so that we at least can protect each own internet bank account. thanks

very easy.

scammer can take your money because you are not aware that your money is being transferred.
if you are notified that your money is being transferred, you will not approve of your transfer.

OCBC can SMS to you that your money is being transferred and ask for your approval.
once you receive SMS  that your money is being transferred, you reject the request and report to police.
no one can transfer your money if they have all your passwords and tokens.
the sms will only send to your phone, your phone will control the approval of money transfer.

scammer can have all your passwords and tokens but still need your phone to approve the money transfer.