A banking OTP can authorize or help verify certain transactions, logins, or security changes. If you gave one to another person, treat the situation as urgent even if you do not see a transaction yet.
Contact your bank using the official app, website, card, or another trusted contact method. Explain that you disclosed an OTP and ask them to check for unauthorized transactions, beneficiaries, payments, transfers, or account changes.
Do not use a phone number or link supplied by the person who requested the OTP. Scammers may pretend to be bank staff and continue the conversation after obtaining one code.
Check your banking notifications and transaction history, but do not wait for an unauthorized transaction before contacting the bank.
If money has already left your account, follow the money-sent-to-scammer or banking-scam guidance as appropriate.