A one-time passcode, often called an OTP, is a short code sent to your phone to confirm it is really you. It is a strong layer of protection, but only if you keep it secret.
How a One-Time Passcode Works
When you log in or make a transaction, the service sends a code to your phone. The code is only valid for a short period and for that one action.
Why You Must Never Share It
If someone has your password and your code, they can get into your account. For this reason, no legitimate company will ever phone you and ask you to read out your code.
What Fraudsters Do
| Scam | How it works |
|---|---|
| Fake bank call | Pretends there is a problem, asks for the code |
| Fake login page | Steals your password, then asks for the code |
| Online seller | Asks for codes sent to your phone |
Protect Yourself
- Never share any code with anyone.
- Enter codes only on the official site or app.
- If someone asks for your code, hang up and report it.
- Turn on two-factor authentication everywhere you can.
If You Think You Have Been Scammed
Act quickly. Contact your bank and report the fraud as soon as possible. The sooner you act, the more chance there is of protecting your money.
Your code is the key to your account. Keep it to yourself, always, no matter who asks.
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