What is Two-Factor Authentication?

This added security layer can be annoying but it can also protect you from hackers with only a few seconds of your time

By
Jack Wallen
Jack Wallen
Jack Wallen
Writer
  • University of Indianapolis
  • Purdue University
  • University of Louisville
Jack Wallen is a former Lifewire writer, an award-winning writer for TechRepublic and Linux.com, and the voice of The Android Expert.
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Updated on May 9, 2024

This article explains two-factor authentication and how to get verification apps and codes.

What is Two-Factor (2FA) Authentication?

Two-factor authentication (2FA) is a security feature that adds another layer of protection to your account.

Instead of just requiring a username and password layer when you're accessing an online account, two-factor authentication requests an additional verification code, which you receive via text, email, or through a third-party authenticator app.

This blocks people from accessing your account because only you can see the authentication code. Without that code, others can't get into your online accounts.

2FA is also known as two-step authentication or two-step verification.

How Two-Factor Authentication Works

When you log into a website, you must provide a username and a password. Two-factor authentication is an additional step that helps secure your login with a temporary code you need to obtain before logging in.

If you do not have a code for your account, you will not be allowed access, which is why two-factor authentication is an essential additional step for security.

You have limited time to use the code before it expires; once it does, you must request another one. Once a code is used, it cannot be used again.

Even if a hacker has your username and password, they cannot access your account without the ability to get an associated 2FA code.

How to Get Verification Codes for 2FA

There are two different methods to get a verification code:

  • Via SMS texts to your Android or iOS device.
  • Via a 2FA mobile app.

If you choose the SMS text method, you'll have to associate your account with a phone number.

If you choose the authenticator app method, you need to add the account to it . When you need a code, open the app and input the number listed under the account you want to access.

Codes automatically regenerate after a specific time interval; just use what you see on the screen for the appropriate account.

Of the two methods, the app route is more secure for receiving verification codes. If a hacker knows your username, your password, and your phone number, they can (using specific tools) intercept the transmission of the SMS 2FA code and then use it to gain access to your account. Because of this, it is best to use an authentication app whenever possible.

Using Two Factor Authentication

After you set up two-factor authentication, it's easy to use. Just log in, as usual, request the code via text message or through an app, and input that on the login page.

There are some specific types of accounts you should always protect, such as banking, finance, and investment accounts. But think about accounts involving social media, subscription purchases you've set up with retailers, password and identity management tools, and government accounts, too.

Anywhere that has your personal information of any kind (from social security numbers to credit cards or your address and phone) should be protected. Hackers hit all kinds of places daily; if 2FA is offered, take advantage of it!

Drawbacks of Two-Factor Authentication

There is only one downside to using 2FA for your accounts: convenience. There's more typing involved, and the process is a bit more time-consuming.

You will also have to have your mobile phone at the ready and powered up (so you can retrieve the necessary 2FA code), which can be difficult when traveling abroad or in a dead zone.

Adding this extra layer of security is well worth the inconvenience. Although two-factor authentication isn’t perfect, it is considerably more secure than an account protected only by a username and password.

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