OTP code

An OTP (One-Time Password) is a single-use, short-lived code sent by SMS to validate a login or a transaction.

Definition

An OTP (One-Time Password) is a single-use, short-lived code sent by SMS to validate a login or a transaction.

In detail

An OTP is a code valid only once and only for a few minutes. Sent by SMS, it is the most widespread second authentication factor, because it requires no installation from the recipient.

Its popularity should not hide its weaknesses: SMS is not end-to-end encrypted and remains exposed to SIM swapping and phishing. An OTP code must never be shared with anyone, including someone claiming to be an adviser.

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Related terms

See all terms

A2P SMSAn A2P (Application-to-Person) SMS is a message sent automatically by a computer system to a phone, as opposed to one written by a person.SmishingSmishing is a phishing attempt carried out by SMS, aiming to obtain personal or banking data by impersonating a trusted organisation.

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