Does Plaid work with authenticator apps like MS Authenticator App?

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

Is Plaid two-factor authentication free?

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

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

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

How to enable 2FA on Plaid

← Plaid overview Supported

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

Step-by-step setup

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

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

Frequently asked questions

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

Generate your Plaid 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 Plaid. Plaid and its logo are trademarks of their respective owner and are used here for identification only.