Getting a text (SMS) code to verify your access to a website is becoming increasingly vulnerable because of SIM swapping. It’s essentially a way for a hacker to “borrow” your mobile phone number without you ever knowing it – until you suffer the consequences. It’s time to use a better authentication method.

One of our clients was victimized by SIM swapping. We suspected a problem when none of their cellular devices worked. They used a family member’s phone to call us about the problem. We told them to get to the Apple Store immediately to buy new devices and bring them directly to us – without opening any boxes. Using special tools, we were able to set up all their devices securely, but the damage had been done.

How does SIM swapping work? It requires a fraudster to convince a mobile carrier to transfer your phone number to a SIM card they control. With your phone number, the attacker can intercept one-time passcodes and two-factor authentication (2FA) codes sent via text message, allowing them to gain access to bank accounts, which they can quickly drain, and social media and other sensitive online services.

The SIM swappers usually get your information through phishing expeditions, which are designed to trick you into revealing details like birthdates, full names, and addresses. Then, they pretend to be the account holder and claim their SIM card is lost or damaged, and they request to have your number “ported” to a new SIM card, which they have in their phone. Conceivably, they can access your bank account if your 2FA is a text message, clean you out, and wipe the SIM from their phone. You’ll only notice it when your phone doesn’t work – at which point you’ll contact your carrier, who will issue you a new SIM card.

You can prevent SIM swapping by not using SMS or text as an authentication method. Our recommendation is to use an authenticator app, such as Microsoft Authenticator or Google Authenticator. If you are signing into a website from your computer, the authenticator will send a code to your phone, and you’ll enter the code from your computer.

This is one area we strongly urge you to avoid shortcuts. There are a lot of authenticator apps available, but Microsoft and Google have a lot at stake in your security. Both have huge customer bases and publish a lot of apps.

An alternative to an authenticator app is a biometric, such as facial recognition (iPhones and other Apple devices) or a thumbprint (Android phones). As with an authenticator app, these measures are device-specific.

We can help you set up both an authenticator app and biometric authentication to replace an SMS message. Call us – 973-433-6676 – or email us to talk about it.