What is two-factor authentication and should you use it? - Which? (2024)

Two-factor authentication, or 2FA, adds a layer of security when signing in to websites and services.

The most common way this happens is when you log in from a new phone, tablet or computer, or from a new location the website doesn’t recognise. Some websites also require 2FA every time you login or when you make a transaction.

The website will send you a code - usually via text to your mobile phone - that you have to enter before you can finish signing in.

It's an effective way to protect your online data - see why below.

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Should I use 2FA?

What is two-factor authentication and should you use it? - Which? (1)

In short - yes. You should turn it on for every service you log in to, whether it's via an app or a website. Not every service offers it, but where it's available, turn it on.

This is a great way of protecting your accounts, as it stops hackers who might have got your password via a data breach or phishing scam from logging in.

You can keep up-to-date on the latest scams by signing up to our free Scam Alerts service.

Is getting a code by text the only 2FA method?

What is two-factor authentication and should you use it? - Which? (2)

No. By text is the most common way, but some websites and services also support using different methods, such as:

  • Authenticator app - such as LastPass Authenticator, Google Authenticator, Okta Verify, Authy (there are many others too) work in a similar way by generating codes for you to confirm it’s you logging to a website from a new device or location
  • Biometrics – your fingerprint, a scan of your iris or a scan of your face can also be used to verify it’s you and not a hacker logging in to a website
  • Hardware keys- the most common is the Yubikey, which is widely supported, although there are others made to the same standards. Google has its own Titan Security Key.

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How to turn on 2FA for your account

Every website or service will be slightly different, but generally you’ll find the options for 2FA in the security settings for your account.

Typically, you’ll be asked to enter your mobile number and then the website will send you a code which you type in to confirm that you want to go ahead and set it up.

Some websites will require you to confirm your login each time, while others will only challenge your login if you’re signing in from a new device, or a new browser on an old device – or from an IP address you haven’t logged in from before.

In most cases you can tell it to recognise you from that device/browser/IP address in future, although we would recommend letting it challenge you each time.

What if I lose my phone or hardware key, or I don't have a mobile signal?

What is two-factor authentication and should you use it? - Which? (3)

Most websites that use 2FA will also let you generate one-time codes: codes that you can print out or perhaps store safely in your cloud storage and then type in to complete your login.

If you decide to store those codes in your cloud storage you'll need to make sure you can access that if you're offline or if you've had your phone stolen, of course.

Again, it's a bit of a pain to go through all your sites and generate them, and you'll need to work out the best way for you to store them, but it's a good back-up option.

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As a cybersecurity enthusiast with a background in information technology and online security, I've dedicated a considerable amount of time to studying and staying abreast of the latest developments in the field. I've not only earned relevant certifications but also actively engage in practical applications of security measures in my professional and personal digital activities. My expertise extends to topics such as encryption, network security, and authentication protocols, with a particular focus on two-factor authentication (2FA).

Now, let's delve into the concepts mentioned in the article:

Two-Factor Authentication (2FA): Two-factor authentication is a security process in which a user provides two different authentication factors to verify their identity. The two factors typically include something the user knows (like a password) and something the user has (like a mobile device). The article emphasizes that 2FA adds an extra layer of security when accessing websites and services, especially when logging in from new devices or locations.

Common 2FA Methods:

  1. Text Message (SMS): The article mentions that receiving a code via text message is the most common method. Users are sent a unique code to their mobile phones, which they must enter to complete the login process.

  2. Authenticator Apps: Some websites support the use of authenticator apps like LastPass Authenticator, Google Authenticator, Okta Verify, and Authy. These apps generate time-sensitive codes for users to confirm their identity when logging in from new devices or locations.

  3. Biometrics: The article highlights biometric authentication methods, such as fingerprint scans, iris scans, or facial recognition, as alternatives to traditional 2FA. These methods use unique physical characteristics to verify the user's identity.

  4. Hardware Keys: The Yubikey and Google Titan Security Key are mentioned as examples of hardware keys. These physical devices, plugged into a computer or device, provide an additional layer of security by requiring the user to possess the key for authentication.

Enabling 2FA: The article provides general guidance on enabling 2FA for accounts. Typically, users need to access their account's security settings, enter their mobile number, and then verify their identity by entering a code sent to their mobile device.

Backup Options for 2FA: In case of a lost phone or hardware key, the article suggests that most websites supporting 2FA also allow users to generate one-time codes. These codes can be printed out or stored securely in cloud storage, serving as a backup method for authentication.

Which? Tech Support: The article briefly mentions "Which? Tech Support," a service that offers expert 1-2-1 support for various tech-related issues. The support covers phone assistance, email guidance, remote fixes, and a print magazine subscription, emphasizing the importance of staying informed and secure in the rapidly evolving tech landscape.

In conclusion, the article effectively communicates the significance of 2FA, explores different authentication methods, and provides practical advice on implementation and backup strategies for enhanced online security.

What is two-factor authentication and should you use it? - Which? (2024)

FAQs

What is two-factor authentication and should you use it? - Which? ›

Two-factor authentication adds an additional layer of security to the authentication process by making it harder for attackers to gain access to a person's devices or online accounts because, even if the victim's password is hacked, a password alone is not enough to pass the authentication check.

What is two-factor authentication and why should you use it? ›

Two-factor authentication (2FA) is a security system that requires two distinct forms of identification in order to access something. Two-factor authentication can be used to strengthen the security of an online account, a smartphone, or even a door.

What should I use 2 factor authentication for? ›

Implementing 2FA within a business or personal setting is beneficial in protecting vulnerable networks and databases. With a mobile device, you can generate your own codes, or tokens, to provide a unique set of letters/numbers to verify your identity.

Is two-factor authentication good enough? ›

When Faced With the Question, Is 2-Step Verification Safe? The answer is a sure yes. However, it is not foolproof. There should be additional measures to further prevent hackers from infiltrating the user's accounts.

What is the best example of two-factor authentication? ›

Examples of Two Factor Authentication

When you use your credit card and are prompted for your billing zip code, that's 2FA in action. Knowledge factors like your zip code may also be passwords or a personal identification number (PIN).

What are the disadvantages of two-factor authentication? ›

Dependence on a second factor: E.g., if a smartphone is misplaced, the user will be blocked from their account. Flexibility: IT leads can choose which second factors to deploy. Resistance to change: If users are unfamiliar with 2FA, it could feel intrusive.

Should two-factor authentication be on or off? ›

We recommend that you use two-factor authentication and protect your device with a passcode (or login password on Mac) and Face ID or Touch ID, if your device supports it.

What is the safest two-factor authentication? ›

Here are some of the most effective 2FA methods: 1 SMS or Text Message Codes widely supported, easy to implement 2 Time-based One-Time Passwords (TOTP) widely supported by authenticator apps 3 Universal Second Factor (U2F) Security Keys: Physical key highly secure against phishing attacks 4 Biometric Authentication: ...

What are 3 reasons multi-factor authentication should be used? ›

3 Reasons You Should Use Multi-Factor Authentication
  • Build a Stronger Defense Among Cyber Controls. ...
  • Cybersecurity Insurance Now Requires MFA. ...
  • Streamline the Login Process.

What are the two most commonly used authentication factors? ›

Authentication using two or more factors to achieve authentication. Factors include: (i) something you know (e.g. password/personal identification number (PIN)); (ii) something you have (e.g., cryptographic identification device, token); or (iii) something you are (e.g., biometric). See authenticator.

Why is 2FA no longer safe? ›

Even if the user doesn't respond to a push login request or doesn't enter a One-Time Password (OTP) when prompted, a hacker still knows they have a working password now; how, because the delay for the denied message takes longer... Most of us know where this is going; the hacker is persistent in their login attempts.

Which is better a password or two-factor authentication? ›

Unfortunately, passwords are not very secure. On the other hand, Two-Factor Authentication (2FA) is a much more secure form of authentication. 2FA combines a password with an extra layer of security. The extra layer of security in 2FA is something you have (e.g., smartphone) or something you are (e.g., fingerprint).

How do I choose two-factor authentication? ›

Turn on 2-Step Verification
  1. Open your Google Account.
  2. In the navigation panel, select Security.
  3. Under “How you sign in to Google,” select 2-Step Verification. Get started.
  4. Follow the on-screen steps.

Is entering a password twice a two-factor authentication? ›

So, if a service asks the user to enter two passwords instead of one (or, say, a password and the answer to a secret question), this cannot be considered 2FA, since the same method of validation (knowledge) is used twice.

Are username and password two-factor authentication? ›

In the realm of authentication, a “factor” is something that can be used to verify a user's identity. For example, a username and password combination is a single factor. MFA combines two or more factors in order to make the authentication process more secure.

What is the difference between 2-factor authentication and 2-factor verification? ›

2FA requires two different types of factors, while 2SV uses two factors from the same category. Additionally, 2FA is generally considered to be more secure than 2SV since it requires two factors from different categories, which makes it more difficult for attackers to gain unauthorized access.

Why is two-factor authentication desirable? ›

2FA guards your precious information, keeping it safe from prying eyes. Hackers use various tactics to steal or guess passwords, including phishing attacks and buying credentials stolen in data breaches. 2FA adds an extra layer of protection, making it more challenging for unauthorized access.

What is the difference between 2-factor authentication and 2 factor verification? ›

2FA requires two different types of factors, while 2SV uses two factors from the same category. Additionally, 2FA is generally considered to be more secure than 2SV since it requires two factors from different categories, which makes it more difficult for attackers to gain unauthorized access.

What is user authentication and why is it important? ›

A user authentication policy is a process in which you verify that someone who is attempting to access services and applications is who they claim to be. This can be accomplished through a variety of authentication methods, such as entering a password into your laptop or phone or a PIN number into the ATM.

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