Ways to Bank

Online Banking – IDEAL™ 3.0

Bank with us in a faster, simpler, smarter way

Take control of your company finances and perform banking transactions from anywhere in the world, at any time of day with DBS IDEALTM 3.0. Our online banking platform features a wide range of products and services that will help your business grow. Whether you are looking to monitor your balance for incoming funds or the status of a cheque, view your remittance advice and account statement for reconciliation purposes, or simply pay your employees, DBS IDEALTM 3.0 offers you a flexible, convenient way to manage your business operations.


Why choose DBS IDEALTM 3.0?

  • Access account information such as statements and transaction advice at your fingertips, either online, by email or through Mobile Banking
  • Make payments simply and quickly though our innovative transaction features such as Transfer Wizard
  • Save your payment information in easy to use templates for greater convenience when making recurring payments or payroll
  • Manage your entire trade finance cycle on a single platform, from order to production, shipment, delivery and settlement

Product Details

Account Information at your Fingertips

  • Single access to all your business banking accounts across the DBS network
  • Personalised dashboard that displays key account information upon login
  • View enriched account statements and transaction advice slips for the last six months
  • Schedule reports such as account statements and remittance to be delivered automatically to your email address
  • Receive real-time alerts for important activities such as payment due, low balance and incoming funds


Seamless Payments and Transactions

  • New Transfer Wizard eliminates banking jargon and recommends available payment types for your transactions
  • Set up template and file upload arrangements for frequent transactions including payroll
  • Leverage bank and beneficiary libraries to input your beneficiaries quickly and accurately
  • Notify your beneficiaries upon successful transactions via beneficiary advising
  • Make overseas payments with previously purchased FX contracts
  • Integrate with your ERP system for a seamless payment and reconciliation experience


Trade Finance

  • Manage your trade cycle on a single platform, from order to production, shipment, delivery and settlement
  • Access a wide range of trade instruments and sign up for accompanying alerts and notifications
  • Submit trade finance applications quickly and easily via straight-through-processing forms


Mobile Banking

  • Access your account via our specially designed iPhone App or any smartphone browser
  • View your account balances and activities anytime, anywhere
  • Approve transactions at any time, from anywhere

Pricing Packages

Package TypeEnquiryTransaction

Services available



Setup fee



Annual maintenance fee

INR 200


Security device

INR 500 per token device (one time charge)

INR 500 per token device (one time charge)



View account statements, trade transactions, remittance advice slips, enquire on Fixed Deposits and subscribe to alerts and trade notifications



Make payments locally and internationally via Intra Company Transfer, Account Transfer, Bank Cheques, NEFT, RTGS or Telegraphic Transfer



Make payroll transfers to multiple recipients on a regular basis via NEFT Payroll



Enquire about trade transaction details and history. Submit new trade applications including Documentary Credit, Documentary Collection, Guarantees, Standby Letter of Credit and Trade Loan. Provide acceptance of Import Bills and settlement instructions and receive alert on due dates.



Make your Direct, Service, Indirect, Customs and State taxes via File exchange

ItemMinimum Requirement 


Intel (Core 2 and above) based computer and Macintosh



1 GB


Hard disk space

40 MB and above


Internet access



Additional software

Adobe Acrobat Reader version 5 and above for report generation


Additional settings

Turn off your pop-up blocker settings or include https://ideal.dbs.com in the pop-up blockers exclusion list


Operating system

Internet Explorer 7, 8 and 9


    • If you are an IDEAL™ Transaction customer, you can contact us for a Training session to learn how to get the most out of IDEAL™ at contactideal@dbs.com.


Important tips on how you can safeguard and protect your PIN:

  • Never reveal your PIN to anyone
  • Never use the same IDEAL™ PIN for other web-based services
  • Select a unique PIN so it's difficult for anyone to guess (e.g. not to use birth dates or phone numbers)
  • Do not use sequential or repetitive numbers (e.g. 123456 or 111111)
  • Memorise your PIN. Do not write it down or store it
  • Change your PIN regularly by using the Administration Services > My Tasks > Change of PIN service (minimum six digits, maximum nine digits)
  • Change your PIN immediately if you suspect any unauthorised access
  • Before entering your User ID and PIN, check that the site you are visiting belongs to DBS by verifying that the URL displayed in the Internet browser is correct
  • Ensure that IDEAL™ URL is preceded by "https" and there should be a security icon that looks like a lock or key on the Internet browser
  • Use the latest Internet browser for updated security features
  • Avoid storing Organisation ID/User ID/PIN in your browser’s cache
  • Avoid using shared/public computers to access IDEAL™
  • Ensure your anti-virus software is updated regularly against the latest Trojan viruses


Important tips on how you can safeguard and protect your DBS IDEAL™ Security Device:

  • Never reveal your IDEAL™ Security Device;PIN to anyone.
  • Each IDEAL™ Security Device is unique and tagged to your User ID. You will not be able to use another person's registered security device to input as your DBS IDEAL™ Security Access Code.
  • Do not leave your IDEAL™ Security Device unattended and always keep it under lock and key when not in use.
  • Never tamper with your IDEAL™ Security Device.
  • Change your IDEAL™ Security Device PIN regularly by pressing and holding the red for more than two seconds.



  • No DBS employee will ever ask you for your PIN for any reason
  • Login to IDEAL™ regularly to ensure that your credentials are valid and active. For security reasons, we may revoke access to IDEAL™ if your authorised representatives do not login to the system for more than a year.

Visit the DBS Security website for more information including the latest news and tips to help enhance your online banking security.


Who should be the signatory for my IDEAL™ application forms?

IDEAL™ application forms must be signed by authorised company signatories.

What service charges are levied for IDEAL™?

IDEAL™ customers are charged a setup, monthly maintenance, and security device fee. Please refer to the Pricing Guide for more information.

Can I access IDEAL™ any time?

Yes, IDEAL™ can be accessed at any given time, on any given day, including, weekends and Public Holidays.

Can I access IDEAL™ from overseas?

DBS IDEAL™ can be accessed from anywhere in the world as long as you have an Internet connection.

How do I terminate my IDEAL™ access?

In order to terminate your IDEAL™ access, please provide us with an official letter on your company letterhead detailing your request. This letter must be signed by authorised company signatories.

How do I learn more?
For more information, email us at contactideal@dbs.com / businesscarein@dbs.com or reach us at our BusinessCare numbers 1800 103 6500 / 1800 419 9500 or (+91) 44 6632 8000 (from overseas) from Monday to Friday (excluding public holidays), 10.00am to 7.00pm.


How do I apply?

If you are currently not a DBS SME Banking customer, you have to apply for a Business Account before you can sign up for IDEAL™. Please use this Account Opening Form to apply for both a Business Account and IDEALTM 3.0.

If you are already a DBS SME Banking customer, simply download and complete the following forms to sign up for IDEAL™: