A fake login page can ask for your password and the code from an SMS or an authenticator app, and pass both to the real site at once. A security key or passkey doesn't work on a site it wasn't registered for, so it can't be phished this way. CISA advises people who are targeted to use them, and not to use SMS: someone with access to the phone network can read SMS codes, and a number can be moved to another SIM.
All accounts
- Add a security key or passkey to your most important accounts first: email, Google or Apple, your password manager, social media. For passkey basics, see Switch to passkeys where they are offered.
- CISA calls hardware security keys the most effective option and passkeys an acceptable alternative.
- Once a key or passkey works, remove SMS as a second step where the service lets you: see Remove SMS where you can.
If you still have a password, a fake site can say your passkey failed and ask for the password instead: don't type it. A passkey saved in a password manager can be used by anyone who gets into that password manager. Keys protect new sign-ins; Google notes that a device that stays signed in may not ask for the key again, so someone holding your unlocked phone is already past it.