Does M1 work with authenticator apps like MS Authenticator App?

Yes. M1 supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.

Is M1 two-factor authentication free?

Yes. Enabling authenticator-app 2FA on M1 is free — you only need the free MS Authenticator App.

What if I lose access to my M1 2FA codes?

Use the backup or recovery codes you saved during setup. If you didn't save them, contact M1 support to regain access, then re-add the account to MS Authenticator App.

How to enable 2FA on M1

← M1 overview Supported

M1 lets you secure your account with an authenticator app. With 2FA on, each login needs a fresh 6-digit code, keeping your M1 account safe even if your password leaks.

Step-by-step setup

1
Sign in to M1 and open your M1 account security settings.
2
Turn on two-factor authentication and choose the authenticator-app option.
Look for "Authenticator app", "Authentication app", or "TOTP" rather than SMS.
3
Scan the QR code with MS Authenticator App.
Open MS Authenticator App, tap add, and point your camera at the QR code M1 displays. Can't scan? Enter the setup key manually instead.
4
Enter the 6-digit code to confirm.
Type the code MS Authenticator App generates to verify and link your M1 account.
5
Save your backup codes.
Store the recovery codes M1 gives you somewhere safe — you'll need them if you lose your phone.

Menu names on M1 can change — the official M1 2FA documentation ↗ always has the exact, current path.

Frequently asked questions

Does M1 work with authenticator apps like MS Authenticator App?: Yes. M1 supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.
Is M1 two-factor authentication free?: Yes. Enabling authenticator-app 2FA on M1 is free — you only need the free MS Authenticator App.
What if I lose access to my M1 2FA codes?: Use the backup or recovery codes you saved during setup. If you didn't save them, contact M1 support to regain access, then re-add the account to MS Authenticator App.

Generate your M1 codes in MS Authenticator App

Free, offline, and encrypted. One tap for every 6-digit code.

Get the app

More Finance guides

Novaz is not affiliated with, endorsed by, or sponsored by M1. M1 and its logo are trademarks of their respective owner and are used here for identification only.