Personal Authentication Code (PAC)
  1. What is PAC?
  2. When is PAC required?
  3. How do I obtain my PAC?
  4. What is the validity period of PAC?
  5. How does PAC work?
  1. What is PAC?
    * PAC is a unique 8-digit authentication code which is system generated.
    * PAC acts as an additional security for you when you perform your profile maintenance


  2. When is PAC required?
    PAC is required when performing the following *
    * Change User Id & Password (First Time Login)
    * Change Password
    * Change Contact Details
    * Bank Account Registration
    * Repurchase Request
    * Switching Request


  3. How do I obtain my PAC?
    * If you have registered your mobile phone number, your PAC can be requested via publicmutualonline.com.my and the 8-digit authentication code will be transmitted to your mobile phone via SMS.
    Note: For customers who are overseas, you must have a Malaysian mobile service number and access to international call roaming service.


  4. What is the validity period of PAC?
    * PAC requested via publicmutualonline.com.my will be valid for 30 minutes within the same login session.


  5. How does PAC work?
    * Login to publicmutualonline.com.my using your existing USER ID and PASSWORD.
    * Request your PAC via publicmutualonline.com.my before doing your transaction which requires PAC, as per item (2).
    * Enter the correct PAC shown on your mobile phone number via SMS. Please ensure that the "Serial Number" for PAC shown on your mobile phone correspond to the "Serial Number" shown on the screen.
    * You can use the same PAC to perform multiple transactions within the same login session.
    * Once you have logged off from publicmutualonline.com.my, you are required to request for a new PAC. Each PAC is only valid for one login session.