Shopping online with debit cards

Yes, but first you need to turn on your debit card for online shopping on Juice

You will be able to transact online right away at any merchants, except those registered as 3D Secure. 
To validate your transaction when checking out at 3D secure merchants, you will be required to input your MCB UserID and a One-Time Password (OTP) (unique for each online transaction) sent to your registered mobile phone number.
For that purpose, when the online purchase feature will have been activated on your card for the first time, we will register the card on the MCB Secure platform within 24 hours. Once this is done, you will receive a confirmation SMS from us.

Your UserID is your MCB Customer Number, which is also the number you use to access Internet Banking (IB).
The first time your card is activated for the online purchase feature, we will send you a confirmation SMS along with your UserID.
Otherwise, you may also obtain your UserID on Juice.
On the app:

  • go to the Cards module
  • select the debit card (on which the online purchase feature was activated)
  • the UserID will be displayed above the online purchase feature transactions header
  • If you are a Juice user, simply log onto your app and check whether the online purchase feature is unlocked or not
  • If you are not registered to Juice, you may:
  • download the JuiceByMCB app from PlayStore (Android) or AppStore (iPhone) and install it on your smartphone. Once this is done, you will be able to activate the online purchase feature through the app

No. The holder of the supplementary card should also enroll his/her debit card for online shopping and should have a specific mobile phone number and/or email address associated to it.

The online shopping service for your replacement or renewal card will, by default, have the same profile as the previous card. So, if you had unlocked the online shopping service on your old card, this service will also be unlocked on your new card.
However, if you have lost your card or if it has been stolen, the bank will replace it with a new one bearing a new card number. In this case, you will have to unlock the online purchase feature on your new card if you wish to use it for online transactions.

  • Your card can be temporarily locked :
  • through Juice
  • by calling us on +230 2026060 (lines are open 24/7)


Bear in mind that if you decide to use your debit card to set up an automatic recurring payment**, it will go through even if the online shopping feature is switched off.

You should report any loss or theft immediately by calling 202 5010 or visiting your nearest branch. We invite you to also lock the online purchase function on Juice as soon as you find that your card is missing.

The 3D Secure security protocol is used by banks worldwide to authenticate online card transactions. You can recognise 3D Secure merchants by the Mastercard ID Check logo on a merchant’s website.

3D Secure provides an added layer of security by prompting you for a One-Time Password (OTP) when you make an online purchase. This helps to protect you against online fraud by verifying that the person making the online purchase is the rightful owner of the card.

An OTP is usually sent to your registered mobile phone number when you make an online purchase.

Note: It is important that your mobile number is always updated in our records so as to ensure that you get the One-Time Password (OTP) to complete your transactions.

No enrolment is required. Once you activate the online purchase feature on your card, MCB will automatically register it for 3D Secure transactions.

Yes, our secure code service is enabled on all MCB debit cards to ensure maximum security for all your online transactions.
Help us help you:

  • Before making an online transaction or sending personal information, make sure you are on the correct website
  • We recommend you keep a close eye on your account by using our Juice app or our online banking platform to check card activities. If you notice any suspicious or fraudulent transaction, please notify the bank immediately.

You can find the CVV2 (3-digit security code) at the back of your MCB Mastercard Debit card.

Your online transactions will always be debited from the default account you applied for.
If you wish to change your default account, we invite you to visit one of our branches.

Your transactions may not go through for one of the following reasons.

  • The online purchase feature on your card might not have been unlocked.
  • Your account balance may be insufficient to complete the transaction.
    If your card is linked to multiple accounts, please ensure that your default account is sufficiently funded to complete your transaction.
  • There might be a debit restriction on your card or account, please contact your bank to verify that no restrictions are active on the account.
  • The bank may be experiencing server/network issues.

Certain overseas merchants offer the Dynamic Currency Conversion (DCC) service to provide you with the possibility of paying online in Mauritian Rupees for your purchases overseas. The MCB has the right to decline transactions done in MUR in any country other than Mauritius.

If an incorrect One-Time Password (OTP) is entered more than 3 times, the session will close automatically. You will have to start a new one.

If you click the “Resend OTP” button, a new One-Time Password (OTP) will be sent to you. If you still have not entered the One-Time Password (OTP) after 5 minutes, your entire session will expire and you will be redirected to the merchant website.

No, your One-Time Password (OTP) can only be used for a single transaction and is valid for 5 minutes.

Simply contact us on +230 202 6060 (lines are open 24/7) to have your details updated. You may also visit an MCB branch and complete the corresponding form to have your request processed.

Following your request to update your contact details, please expect changes to be effective on your card within 24 hours.

You will not be charged any fee for online purchases made in Mauritian rupees.
However, for online purchases made in foreign currencies, you will be charged a foreign exchange mark-up fee. Check our website for applicable rates & fees.

Purchases made online will be displayed on your statement, as is the case for other purchase made with your card.

Your online transactions are recorded on your account in real time, after completion. Simply log onto Juice or our Internet Banking platform to view your transactions.

If ever you notice a card payment charged incorrectly to your account, we invite you to follow the existing procedures and contact your nearest branch.
Care: Your card transactions should be verified on a regular basis and any query addressed to the Card Business Unit within 45 days of the transaction date.