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What is 2-factor authentication?

Many banks protect your account with 2-factor authentication. Besides your login, they ask for a second step, such as a code from an SMS or a confirmation in your banking app. This is part of your bank’s security.

You do this step on your bank’s own login page, which opens inside Spendee. Spendee doesn’t see your codes.

When will my bank ask for it?

  • When you connect the bank. See How to connect a bank account.
  • When you tap Refresh Access, for example after your bank’s consent has expired.
  • With some banks, also when you sync. When you pull down to sync, the app opens a bank login at most once per pull, so you are not asked again and again.

Tips

  • Have your phone or banking app ready before you connect or sync.
  • Codes are usually valid for a short time. If a code doesn’t work, ask your bank for a new one and try again.
  • If the bank login keeps failing, see How to troubleshoot a bank connection.