The basics

Set up two-factor authentication (2FA)

Below is a series of links to help you set up 2FA on your key accounts.

What is 2FA?

There are a variety of ways for you to be secure online, one of which is enabling two-factor authentication (2FA) across your accounts. 

Two-factor authentication (2FA) is an additional security step that helps keep other people out of your online accounts or stops them making unauthorised transactions. It is a way of ensuring that it’s really you who is logging into your account and is one of the most effective ways to keep your online accounts secure.

What is two-factor authentication (2FA)?

View transcript

[Visual] The video begins with an intro graphic displaying the video title ‘Protect yourself online Two-Factor Authentication’ which is laid over branded colours (lilac, teal, deep purple) and design (circles).

[Audio] A backing track with an upbeat but calming tune begins and continues for the duration of the video.

[Visual] The frame changes as the narration begins and opens up with a laptop icon central on screen. The style of the video is animated with bright branded colours (shades of green).

[Audio narrator] There are a lot of personal details tied up in our online accounts. From banking, to emails, to social media. But is one layer of protection enough?

[Visual] Credit card icon drops from the top left and sits to the left of the laptop, a phone with social icons drops from the top right and sits to the right of the laptop. An envelop with mail popping out appears on the screen of the laptop.

[Visual] Title screen displays with text: What is 2FA over branded colours (deep purple, teal, spring green) and design (circles).

[Audio narrator] Two factor authentication, or 2FA,

[Visual] Frame changes to show two shields stacked onto each other in the middle of the screen. A mobile phone sits to the left of the shields. Small purple balls cascade towards the shields in all directions and ricochet off them once they hit. The balls slide off screen. The background is green.

[Audio narrator] is an additional security step that helps keep other people out of your online accounts.

[Visual] Frame changes to show a circle with lines across it spinning, and a padlock sitting to the right of the circle. An icon representing a person sits to the right of the padlock and bumps into the padlock over and over.

[Audio narrator] It's a way of ensuring that it's really you who was logging into your account. And is one of the most effective ways to keep attackers out. Most of your online accounts

[Visual] Frame changes to show a laptop central on screen, asterisks are typed out over the screen to represent a password. A closed padlock above the password bar goes from locked to unlocked.

[Audio narrator] are accessed by simple login details, usually a username and password.

[Visual] Large yellow circle appears to the top right of the laptop with an explanation mark inside a triangle – representing a warning.

[Audio narrator] But what if scammers guessed your password? Or found it via a data breach?

[Visual] Frame changes to the double shield central on screen. Small purple balls cascade towards the shields in all directions and ricochet off them once they hit. The balls slide off screen.

[Audio narrator] 2FA gives you an extra layer of protection and, when enabled, makes it harder for an attacker to get into your online accounts.

[Visual] The shields move to the left of the screen. Three bubbles appear central down the screen. Text appears next to each so it reads:

                2FA Two-factor authentication

                MFA Multi-factor authentication

                2SV Two-step verification

[Audio narrator] 2FA can be referred to in a variety of ways.

[Visual] Title screen displays with text: How does 2FA work? over branded colours (deep purple, teal, different tones of green) and design (circles).

[Audio narrator] Think of 2FA like having two locks on your house.

[Visual] Frame changes to show a house icon central on the screen, with a large keyhole shape on the house.

[Audio narrator] First, you unlock your front door using a key,

[Visual] Frame zooms in to open new frame through the keyhole to show a keypad device central on screen. Keys on the device change colour to represent a code being entered as the buttons are pressed, as this happens asterisks appear in the top of the device.

[Audio narrator] …but you also have a second lock that requires a code.

[Visual] Keypad device slides to the right of the screen, and the house with the keyhole detail slides in from the left of the screen to sit left of the keypad device.

[Audio narrator] These are two forms of security that you have before you get into your house.

[Visual] Laptop appears central on screen with the double shield central on its screen. Background is branded purple circles.

[Audio narrator] Having 2FA on your online accounts is similar.

[Visual] Branded circles background swaps to the green. The shields from the laptop change to the password bar and a locked padlock.

[Audio narrator] First, you log in with your username and password. Then secondly, before getting access to that account, you need a temporary code,

[Visual] Branded purple circles bounce back as the background, laptop is replaced with a phone. A speech bubble pops to the top right of the phone with asterisk to symbolise a code has been sent/received.

[Audio narrator] …either from an authentication app or a text message with a one-off code to use.

[Visual] The phone slides to the right of the screen, the laptop slides in from the left of the screen to sit left of the phone. The background is green.

[Audio narrator] This is a common example of how 2FA can work.

[Visual] Title screen displays with text: Where to begin? over branded colours (deep purples) and design (circles).

[Audio narrator] So, where to begin? Start with your most important accounts. Your internet banking, social media and email accounts.

[Visual] The background flashes back to green. A phone flies down from the top right and sits on the right of the screen. A credit card flies down from the top left and sits on the left of the screen. An envelope flies down the middle of the screen and sits central on screen. Social icons pop up around the phone and text crosses along the bottom of the screen under each icon. ‘Internet banking’ under the cards, ‘Social media’ under the phone and ‘Email’ under the envelope.

[Audio narrator] Most of these will have an option to add 2FA in their security or privacy settings built into the website or app.

[Visual] Background flashes to green. The laptop appears central on screen with the shields central on its screen. A green circle with a tick, pops onto the top right of the laptop.

[Audio narrator] It can sometimes be tricky, so visit ownyouronline.govt.nz for step-by-step instructions on how to set up 2FA simply and easily.

[Visual] Title screen displays with text: ownyouronline.govt.nz with a purple branded background.

[Visual] Frame changes to show a collection of icons bunched together on the page. The circle with lines sit at the back with the phone, laptop and shields surrounding it.

[Audio narrator] Like all security measures, 2FA is one step towards helping you become more secure online. So make sure you're using good security practices everywhere like long, strong and unique passwords.

[Visual] Frame changes with purple background and words pop up in green bubbles down the centre of the frame. They read:

Long

Strong

Unique

Passwords.

[Visual] End frame. ‘Own Your Online’ logo pops up in to centre of the screen. Supporting logos NCSC is placed on the top right and the NZ Government logo is place on the top left.

How to enable 2FA on your accounts

Enabling 2FA on your online accounts can be confusing, so we've created a step-by-step guide to help you.

To get underway, we recommend starting with your most important online accounts, such as:

Companies can enable 2FA or other security features in a variety of ways.

NCSC recommends using the option of a security key or an authentication app where these are available to you. Any 2FA is better than none, but these methods are more secure than text message and email.

Most online services – from banks to social media – have some form of secure access in place to protect customers. We've listed the various methods below, with links showing how to set it up. This is not an exhaustive list of security measures or platforms.

There are a lot of different names for two-factor authentication. It might be called, two-step verification (2SV) or multi-factor authentication (MFA).

Internet banking

  • ANZ

    OnlineCode works on certain transactions by sending a text message to the mobile phone number you have registered for the ANZ goMoney mobile app or ANZ Internet Banking, to verify certain transactions or when requesting changes online. This helps to make sure it’s you making the transaction or requesting changes, and not someone else.

    Find out more at ANZ(external link)

  • ASB

    NetCode is set to work on certain transactions and 'unusual' logins and sends you either a text message code or an app notification. Netcode can also be turned on to work for all logins. 

    Find out more at ASB(external link)

  • BNZ

    Two-step authentication is already set up for you, you do not need to do anything. There are currently two ways you can authenticate yourself, either using the BNZ app or the NetGuard card.

    Find out more at BNZ(external link)

  • Kiwibank

    Kiwibank will send you a unique code via text message to your verified phone number for certain transactions or if you are changing your details. SMS one-time codes can't be reused and expire after a few minutes.

    Find out more at Kiwibank(external link)

Social media networks

Email accounts and other services