Your Spendl card works like any other normal debit card and you can use it as such!
However, when paying with your Spendl card online you will be asked to authenticate the transaction by providing your 3D password and phone OTP (make sure you don't confuse them!). These are high security precautions created to prevent unauthorized online use of your Spendl card.
These authentication factors will verify your identity and authorization:
1. 3D password - This is your personal card password. The default password is 'spendl'. We highly recommend changing it (check this article). Remember - this password is NOT your log in password.
2. Phone OTP - SMS code we will send to the phone number you gave us.