Monarch Money 2FA Setup with an Authenticator App
Monarch Money supports app-based two-factor authentication (2FA). Turning it on adds a second layer of protection, so a stolen password alone can't unlock your Monarch Money account.
A Monarch Money account can be tied to your money and personal finances, so a stolen password is a direct financial risk. Monarch Money secures sign-ins with an authenticator app — set it up once and you're protected on every login.
2FA methods Monarch Money supports
- Authenticator app (TOTP)
- 1
Download Authenticator App - Novaz
Install Authenticator App - Novaz from the App Store on your iPhone or iPad and open it — you'll use it to scan Monarch Money's QR code and generate your 6-digit sign-in codes.
- 2
Sign in to Monarch Money and open your Monarch Money account security settings.
- 3
Turn on two-factor authentication and choose the authenticator-app option.
Look for "Authenticator app", "Authentication app", or "TOTP" rather than SMS.
- 4
Scan the QR code with Authenticator App - Novaz.
Open Authenticator App - Novaz, tap add, and point your camera at the QR code Monarch Money displays. Can't scan? Enter the setup key manually instead.
- 5
Enter the 6-digit code to confirm.
Type the code Authenticator App - Novaz generates to verify and link your Monarch Money account.
- 6
Save a way to recover your account.
If Monarch Money shows backup or recovery codes, store them somewhere safe, away from your phone. If it doesn't, check how Monarch Money recovers accounts (support, an admin, or another sign-in method) before you need it.
Menu names on Monarch Money can change — the official Monarch Money 2FA documentation ↗ always has the exact, current path.
How to recover your Monarch Money account
If you lose access to your authenticator and Monarch Money gave you backup or recovery codes when you turned on 2FA, sign in with one of them; keep them somewhere safe, away from your phone. Not every service issues codes. If Monarch Money doesn't, or you didn't save them, use Monarch Money's account-recovery or support process (or ask your admin, for a work account) to get back in.
Frequently asked questions
- Does Monarch Money work with authenticator apps like Authenticator App - Novaz?
- Yes. Monarch Money supports TOTP authenticator apps, so you can generate its two-factor codes in Authenticator App - Novaz.
- Is Monarch Money two-factor authentication free?
- Yes. Enabling authenticator-app 2FA on Monarch Money is free — you only need the free Authenticator App - Novaz.
- What if I lose access to my Monarch Money 2FA codes?
- If Monarch Money gave you backup or recovery codes during setup, sign in with one of them. If it didn't, or you didn't save them, use Monarch Money's account recovery or contact its support (or your admin, for a work account), then add the account to Authenticator App - Novaz again.
Generate your Monarch Money codes in Authenticator App - Novaz
Free, offline, and encrypted. One tap for every 6-digit code.
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