What is the difference between my PIN, my Password, and my Second Factor (2FA) code?

Your 4-digit PIN, your password, and your 6-digit Second Factor Authentication (2FA) code are three separate unique keys that each serve an integral role in keeping your account safe and secure.


Your PIN is a 4-digit number that you create when you first sign up for an account.

This is used for several functions, such as logging in to your account or approving a transaction.


Your password is a supplemental code that you create during the sign-up process.

While your PIN is the primary code you use for most actions, your password will sometimes be required for additional transactions, such as withdrawing money from your Vault to your Wallet.

Second Factor Authentication (2FA) code.

Your Second Factor Authentication code (also known as 2FA) is a 6-digit number that can be found in your Xapo app.

Your 2FA code is needed every time you want to log in to the web browser version of your Xapo account, as an extra measure of security.

This number changes and expires every 30 seconds, ensuring that your account is always kept safe.

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