Why SMS is weaker
SMS depends on the mobile carrier, phone number ownership, and message delivery. That makes it vulnerable to interception, SIM-swap events, and delays that do not exist in a local authenticator app.
Why authenticator apps are better
Authenticator apps generate codes locally, usually work offline, and do not depend on a phone number. They are still manual-code systems, but they are a better default for most high-value consumer accounts.
What to do on high-value accounts
Use passkeys or hardware security keys if available. Keep TOTP as a fallback, and leave SMS only where the platform offers no stronger option or you need it temporarily during migration.
Action items
- Replace SMS with an authenticator app on any account that supports it.
- Keep SMS only as a temporary fallback when no better method exists.
- Upgrade your most important accounts to passkeys or security keys where possible.
Cautions
- A phone number is not a strong recovery anchor for a sensitive account.
- A platform may silently push SMS as the easy default even when better methods exist.