Why Australians Should Use Multifactor Authentication to Protect Their Online Accounts

Why Australians Should Use Multifactor Authentication to Protect Their Online Accounts
In today’s digital age, keeping your online accounts secure is more important than ever. From banking and shopping to social media and email, Australians rely heavily on online services. Unfortunately, cyber criminals are becoming increasingly sophisticated in stealing passwords and hacking accounts. One of the best ways to protect yourself is by using multifactor authentication (MFA) — a simple but powerful extra layer of security.
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What Is Multifactor Authentication?

Multifactor authentication means requiring two or more methods to verify your identity before you can log in. Instead of just typing a password, MFA might ask for a code sent to your phone, a fingerprint scan, or a security token. This way, even if someone guesses or steals your password, they still can’t access your account without the second verification step.


Why Passwords Alone Aren’t Enough

Passwords are the most common way to secure accounts, but many people use weak or repeated passwords, making it easy for hackers to guess or crack them. Cybercriminals also use tricks like phishing emails to steal passwords. Once they have your password, they can take control of your accounts — leading to identity theft, financial loss, or even blackmail.


How MFA Protects You

  • Adds a second layer of defence: Even if your password is compromised, the hacker still needs the second factor to get in.

  • Stops common attacks: MFA protects against phishing, keylogging, and other attacks that target passwords.

  • Protects your money and data: Especially important for online banking, shopping, and email accounts.

  • Simple to use: Most services now offer MFA options, and setup usually takes just a few minutes.


MFA Can Be Tedious But Is Worth It

It’s understandable that using MFA can feel tedious or frustrating at times — having to enter codes or verify your identity repeatedly can interrupt your workflow. However, the consequences of not using MFA are far worse. Without this extra security, a hacker could easily take over your accounts, steal your money, or misuse your personal information. The small inconvenience of MFA pales in comparison to the potential damage caused by account breaches.


Popular MFA Methods

  • SMS codes: Receive a one-time code via text message.

  • Authenticator apps: Apps like Google Authenticator or Microsoft Authenticator generate codes on your phone.

  • Biometric verification: Fingerprints or face recognition on smartphones.

  • Hardware tokens: Small physical devices that generate codes.


How to Set Up MFA

Most Australian banks, email providers, and social media platforms offer MFA. Here’s a quick guide to setting it up:

  1. Check your account security settings for options like “Two-Step Verification” or “Multifactor Authentication.”

  2. Choose your preferred second factor, such as SMS or an authenticator app.

  3. Follow the on-screen instructions to link your phone or device.

  4. Test the setup by logging out and logging back in.

If you’re unsure, websites like Scamwatch and your bank’s support pages provide step-by-step guides.


What to Remember

  • Always enable MFA where possible.

  • Don’t rely on SMS codes alone for highly sensitive accounts — authenticator apps or biometrics are safer.

  • Keep your phone or device secure; losing it can complicate MFA access.

  • Regularly update passwords and review your account security settings.


Australian Resources for Cybersecurity Help


Final Thoughts

Multifactor authentication is one of the simplest yet most effective tools to keep your online life safe. By adding that extra step, you can significantly reduce the risk of hackers stealing your identity, money, or private information. Yes, it can be a little annoying at times, but taking the time to set up MFA is a small inconvenience that can save you from a lot of trouble. Take a few minutes today to turn on MFA for your important accounts — your future self will thank you.

Read these next:

How to Create Strong, Easy-to-Remember Passwords

Learn how to create strong but easy-to-remember passwords using passphrases and tools. Protect your accounts from hackers with simple Aussie-friendly tips.

How to Spot a Scam: Identifying Suspicious Emails and Text Messages

Learn how to identify phishing, smishing, and other scams targeting Australians. Stay safe with expert tips and official resources to avoid fraud.

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