Smartphone owners can also download iOS or Android versions through Bank Refah information portal or the Iran App site at the address Prosperity encryption program Follow the steps to activate the software for the convenience of your cards. It is worth noting that when using this software to generate a password, there is no need to connect to the Internet.

Steps to install coder mobile software on a mobile phone

1. Refer to Refah Bank portal WWW.RWFAH.BANK.IR/OTPCARD or the link sent in the card activation SMS
2. Download and install Refah coder software
3. Allocation of 8-character software password (combination of numbers and Latin letters)
4. Enter the mobile phone number and enter the 5-digit code sent to the mobile phone to activate the software
5. Enter the 4-digit card number entered on the ATM receipt and the 4-digit SMS sent to the customer’s mobile phone when activating the job.
6. Press the register and finish button

Steps to activate the card on the ATM

1. Refer to the ATM machine of Refah Karkaran Bank
2. Insert the card into the card reader and enter the first password and select the option to change the password
3. Select the second dynamic one-time password option
4. Select the option to generate a second dynamic one-time password
5. Providing a receipt to the customer containing the card activation code inside the device’s card reader
6. Sending an SMS containing 4 digits of the activation code to the customer’s mobile phone specified in the bank moments after receiving it
7. Presenting a receipt to the customer containing a message to install Refah encryption software, refer to the path listed on the ATM receipt (WWW.Refah-bank.ir/otpcad) and end.

Steps to deactivate the second dynamic one-time password on the ATM

1. Refer to the ATM machine of Refah Kargaran Bank
2. Insert the card into the card reader and enter the first password and select the option to change the password
3. Select the second dynamic one-time password option
4. Select the option to disable the second dynamic one-time password
5. You can disable the second dynamic password by choosing one of the options or and finally confirming the user.
6. Display and presentation of the receipt as described

Procedures for forgetting the password to login to Refah password software on the ATM machine

1. Refer to the ATM machine of Refah Karkaran Bank
2. Insert the card into the card reader and enter the first password and select the option to change the password
3. Select the second dynamic one-time password option
4. Choosing the option to forget the password to enter the mobile software
5. The activation code is sent to the customer’s mobile phone and the time to use it is until the end of the same day. Then you have to assign the password again in the Refah password software and select the option to forget the password.

Owners of non-smartphones or customers who don’t want to use Refah encryption software can use this service online by using the command code *#713 through any of the first mobile operators, Irancell and Rightel.

For this purpose, it is enough for the Refah card holders to refer to Refah Bank ATMs to verify the card’s mobile phone number, so that in the systems and portals of non-present payment service providers, they can use the option that is built in to send the second password by text message. Receive the second password through SMS.

* It is possible to use three methods at the same time (Refah coder, command code *#713, sending SMS).
* If the mobile number displayed in the mobile phone number verification stage is not verified through Refah Bank ATMs, Refah card holders should refer to the nearest Refah Bank branch to change it.
* The card’s dynamic one-time password is valid for a maximum of 120 seconds.
* Activating the second dynamic code in Refah Bank can only be done through Refah Bank ATMs and using Refah Card, and any action other than that is fake and aimed at stealing bank card information.
* In order to receive the second dynamic code, it is not necessary to enter sensitive card information such as the second code and CVV2.

Frequently asked questions of the security coder system