Why am I not able to complete account verification at login?


How does MoneyLion protect my account information?

We help ensure your security and privacy with industry-standard forms of Two-Factor Authentication (2FA) methods, which include a one-time verification code as an additional layer of security on top of your username/password. Basically, 2FA means that your identity is verified with TWO factors -- both your username/password combination and unique one-time verification code.

With 2FA, you will verify your username/password followed by a one- time verification code. Verification codes are unique to your account and can only be received via email or text message.

Two-Factor Authentication protects your information and is a mandatory security feature that cannot be turned off. By having 2FA on, we ensure that your account is under stricter security measures because it adds an extra layer of authentication required to access your account

What is a verification code? Why is it required?

A verification code is a temporary four-digit code that provides an additional layer of security beyond your username and password. It is part of our highly secure Two-Factor Authentication process. You may be prompted to use a verification code at certain points in the application process, when logging in to your account, or when making certain types of financial transactions.

A verification code can be sent to you via text message or email and can only be used once.  Please note, once a verification code is sent to you, it will expire within 25 minutes, so please enter the code when prompted.

You will be instructed within the MoneyLion app or on moneylion.com on where and when to enter a verification code. Simply follow the prompts, and we’ll guide you through the quick process!

Which verification code delivery method should I select?

A text message is generally the most secure and fastest way to receive your verification code. If you do not have a phone number on file or recently changed your number, then please select email as the delivery method.

Should I share my 4-digit verification code with anyone over the phone or email?

No, you should never share your verification code with anyone. This code is unique to you and cannot be used with anyone else. This is an important step in keeping your account secure. We’ll never ask you over the phone, by email, or by DM to provide your verification code.

How long does it take to get my verification code once I request it? What if I don’t get it?

You should receive the verification code almost immediately after the request is initiated in the app or online. If you do not, you can click the Resend Code to receive another one.

Please note that to protect your account, we recommend that you do not request a verification code more than four times. If after four attempts you are unsuccessful in verifying the codes that have been sent to you, please submit a ticket here so we can assist you.  

How many times can I retry the same verification code?

For your security and the protection of your account, we give you three attempts to enter a single verification code. After three attempts (or after 25 minutes), the current code will expire and no longer be valid. You will need to request a new one to proceed.

If you’re experiencing trouble logging in after three attempts or trying the new code, please contact us so we can assist you.  

What if I receive a verification code that I didn’t request or receive multiple codes?

If you are sure that you did not request a verification code, we strongly recommend that you change your password immediately and contact MoneyLion. This way we can ensure the safety and security of your account.

If you received multiple codes, please use the most recent verification code that was sent to you and disregard the previous ones. Once you request a new one; the previous ones are no longer valid. 

How will I get my verification code if MoneyLion doesn’t have my current cell number or email?  

If you have recently updated your phone number and we do not have the new number on file, you can request your email as the verification code delivery method. If we also do not have your current email on file, please call our customer service team at 1-801-252-4427.

What if I requested a verification code and have not received it?

If you don’t receive your code within a few minutes, please check your signal strength; in some cases, a weak signal can prevent or delay the delivery of your verification code. You can also click on the “resend” option to try again. If you have tried resending the code three times and still have not received the code, please go back through the login process and select email as your delivery method. If you still don't receive your code, please contact us so we can further assist you.

Although email delivery is typically fast, in some cases (depending on your email and internet provider), email delivery can take up to 15 minutes to receive after it’s been sent. We recommend that you check your spam and junk folders as well. If after 15 minutes you have not received the email and you have checked your spam and junk folders, please click the “resend” option. If you still do not receive the email, please contact us so we can further assist you.

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