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Multi-factor authentication (MFA) is one of the most effective ways to protect your valuable information and accounts against unauthorised access. 

What is it? 

Multi-factor authentication (MFA) is a security measure that requires two or more proofs of identity to grant you access. 

How does it work?

Multi-factor authentication typically requires a combination of something the user knows (PIN, secret question), something you have (card, token) or something you are (fingerprint or other biometric).

Businesses as well as individuals should implement MFA wherever possible. Some MFA options include, but are not limited to:

  • Physical token
  • Biometrics, such as fingerprints
  • Authenticator app
  • Email
  • SMS


MFA offers significantly more powerful security and protection against criminals.

They might manage to steal one proof of identity such as your PIN, but they still need to obtain and use the other proofs of identity to access your account.

Our practical MFA guide

The Protect Yourself: Multi-Factor Authentication guide is designed to help everyday Australians understand the benefits of using MFA. Within the MFA guide, you will find easy access to other useful resources that show you how to turn on MFA for most major services.

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