Does PenFed work with authenticator apps like MS Authenticator App?

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

Is PenFed two-factor authentication free?

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

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

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

How to enable 2FA on PenFed

← PenFed overview Supported

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

Step-by-step setup

1
Sign in to PenFed and open your PenFed 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 PenFed 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 PenFed account.
5
Save your backup codes.
Store the recovery codes PenFed gives you somewhere safe — you'll need them if you lose your phone.

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

Frequently asked questions

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

Generate your PenFed codes in MS Authenticator App

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

Get the app

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