Does SoFi work with authenticator apps like MS Authenticator App?

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

Is SoFi two-factor authentication free?

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

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

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

How to enable 2FA on SoFi

← SoFi overview Supported

Enable two-factor authentication on SoFi to stop unauthorized logins. After setup, SoFi asks for a rotating code from MS Authenticator App in addition to your password.

Step-by-step setup

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

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

Frequently asked questions

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

Generate your SoFi codes in MS Authenticator App

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

Get the app

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