CyberGlossary

Identity & Access

One-Time Password (OTP)

Also known as: OTP, Single-use password

Definition

A short numeric code that is valid for only a single login attempt or a brief time window, typically used as a second authentication factor.

A One-Time Password (OTP) is a credential that can be used only once, which makes captured codes useless to attackers after the moment of use. OTPs are generated by an algorithm shared between an authenticator (mobile app, hardware token) and a server: HOTP uses an event counter, TOTP uses the current time, and challenge-response OTPs are derived from a server-issued challenge. Delivery channels include authenticator apps, hardware tokens, SMS and email. OTPs strengthen authentication compared to static passwords but are still vulnerable to real-time phishing through reverse-proxy attacks; phishing-resistant factors such as FIDO2 should be preferred for high-value accounts.

Examples

  • A six-digit TOTP code displayed in Google Authenticator every 30 seconds.
  • An SMS message containing a one-time code to authorize a bank transfer.

Related terms