You can set the Salutation when applying for a card, as well as at any time during its validity. This will then appear every time when making a payment in the window for entering the one-time SMS code. If you do not set it, you will see the universal text "Dear client". Salutation is an additional security feature. If you set up your own unique salutation, you can be certain that the window for entering the SMS code is not from the fraudster. Because only you and the bank know the salutation.