--- title: What is multi-factor authentication? description: "Multi-factor authentication (MFA) is a security feature that adds an extra layer of protection to your online accounts. Instead of relying only on a password, MFA requires two or more ways to confirm it’s really you. For example, after entering your password, you might be asked to enter a one-time code sent to your phone or generated in an authentication app.\n\nIf your information is out there, setting up multi-factor authentication on your important accounts (like email, banking, superannuation and social media) can make it much harder for someone else to access them. Even if someone knows your password, they won’t be able to log in without the second verification step." --- [Skip to content](https://help.truyu.com.au/what-is-multi-factor-authentication#main-content) [![Truyu-Lockup-Jan26](https://help.truyu.com.au/hs-fs/hubfs/Truyu-Lockup-Jan26.png?width=132&height=60&name=Truyu-Lockup-Jan26.png)](https://www.truyu.com.au/) - [Back to truyu.com.au](https://www.truyu.com.au/) - [Help centre](https://help.truyu.com.au/) Open main navigation Close main navigation - [Back to truyu.com.au](https://www.truyu.com.au/) - [Help centre](https://help.truyu.com.au/) - [Contact us](https://www.truyu.com.au/contact) [Contact us](https://www.truyu.com.au/contact) How can we help you? - There are no suggestions because the search field is empty. 1. [Help Centre](https://help.truyu.com.au/?hsLang=en-au) 2. [Recovering your identity](https://help.truyu.com.au/recovering-your-identity?hsLang=en-au) 9 March 2026 # What is multi-factor authentication? Multi-factor authentication (MFA) is a security feature that adds an extra layer of protection to your online accounts. Instead of relying only on a password, MFA requires two or more ways to confirm it’s really you. For example, after entering your password, you might be asked to enter a one-time code sent to your phone or generated in an authentication app. If your information is out there, setting up multi-factor authentication on your important accounts (like email, banking, superannuation and social media) can make it much harder for someone else to access them. Even if someone knows your password, they won’t be able to log in without the second verification step. - [About Truyu](https://help.truyu.com.au/about-truyu?hsLang=en-au) - [The Truyu App](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#main-content) - [Identity Check Alerts](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#identity-check-alerts) - [Credit Activity Alerts](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#credit-activity-alerts) - [Identity Protection Scan](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#identity-protection-scan) - [Email Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#email-leaks) - [Card Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#card-leaks) - [Password Leaks](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#password-leaks) - [Scam Checker](https://help.truyu.com.au/the-truyu-app?hsLang=en-au#scam-checker) - [My Truyu Account](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#main-content) - [Account Management](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#account-management) - [Offer Codes](https://help.truyu.com.au/my-truyu-account?hsLang=en-au#offer-codes) - [Security and Personal Data](https://help.truyu.com.au/security-and-personal-data?hsLang=en-au) - [Recovering your identity](https://help.truyu.com.au/recovering-your-identity?hsLang=en-au#main-content) - [Credit Report Ban](https://help.truyu.com.au/recovering-your-identity?hsLang=en-au#credit-report-ban) - [Customer Support](https://help.truyu.com.au/customer-support?hsLang=en-au) - [Privacy Policy](https://www.truyu.com.au/privacy-policy) - [Terms & Conditions](https://www.truyu.com.au/terms-and-conditions) - [Contact](https://www.truyu.com.au/contact) - [About](https://www.truyu.com.au/about) [![Truyu built by CommBank](https://help.truyu.com.au/hs-fs/hubfs/Truyu%20Horizontal%20Logo.png?width=316&height=100&name=Truyu%20Horizontal%20Logo.png "Truyu built by CommBank")](https://www.truyu.com.au/) Truyu is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Truyu.  CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia. To access detailed terms and conditions about Truyu please [click here](https://www.truyu.com.au/terms-and-conditions). For information on how we collect and handle personal information, see our [Privacy Policy](https://www.truyu.com.au/privacy-policy). \*The Identity Check Alert Service is not comprehensive. Importantly, you will only receive a notification if GBG has informed us that your first name, last name and date of birth have been used at an Australian merchant that is onboarded by GBG as part of our Identity Check Alert Service. As at 5 February 2025, GBG handles over 60% of online identity checks run by Australian merchants.  \*\*There is an initial three-month trial, for all new customers. A monthly subscription fee of $4.99 will be debited from your Apple App Store or Google Play Store payment method once the trial is completed, unless you cancel your subscription before the end of the trial. Apple and the Apple Logo are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.