Mintos 2FA: how to set up an authenticator app

Mintos is an investment platform for bonds, ETFs, stocks and loan-based Notes, so your account holds real money. Two-factor authentication (2FA) isn't required. Mintos leaves the choice to each investor but strongly recommends turning it on, and suggests doing it right after you open the account (Mintos, Mintos).

There's only one method. Mintos uses one-time codes from an authenticator app, and says SMS codes aren't available (Mintos). Any app that works like Google Authenticator will do (Mintos). This guide uses Authenticator App - Novaz on iPhone, but the steps are the same in other authenticator apps.

How we checked this guide: the Mintos steps come from Mintos's own help center and security page, linked below, which we read on October 21, 2026. The help center pages blocked automated access, so we read their text through the help center's public article feed on help.mintos.com. We haven't tested the steps on a Mintos account, so a label may differ slightly. The Novaz steps are checked against the app, version 1.0.5.

Turn on 2FA with an authenticator app

Mintos describes the setup on its website, not in the mobile app (Mintos):

1. Sign in on the Mintos website and open the Security section of your account settings.
2. Click Enable next to Two-factor authentication.
3. Follow the instructions Mintos shows. Its help page doesn't describe these screens.
4. If you see a QR code, open Novaz, tap +, then Scan QR code, and point the camera at it. If the code is on the same iPhone, take a screenshot and use Choose a photo instead. See scanning a QR code on the same iPhone.
5. If you'd rather type a key, tap +, then Enter key manually in Novaz. Type the key as the Setup key. See What is a 2FA setup key?
6. Enter the code Novaz shows to finish.

Mintos sends you an email once two-factor authentication is on.

Save the 16-digit secret code

After you turn on 2FA, Mintos gives you a 16-digit secret code. Mintos says the code lets you link your account to a new authenticator app if your phone is lost, stolen or erased, and asks you to write it down or print it and keep it somewhere safe (Mintos).

Mintos's help doesn't mention backup or recovery codes, so this secret code is the only backup it describes. That matters with Novaz too: without iCloud backup or a backup file, its keys exist only on your iPhone. Keep the code on paper or in a password manager, away from the phone.

Anyone who has it can make your codes. Mintos says it will never ask you for this key, so treat any request for it as phishing.

When Mintos asks for a code

With 2FA on, Mintos asks for a code from your authenticator app when you sign in (Mintos). Its security page says this happens every time you log in (Mintos). The help pages don't mention trusted devices or a way to skip the code on a computer you use often.

If Mintos rejects your code

Mintos's sign-in help lists incorrect or expired 2FA codes as a common reason a login fails, and tells you to check that your authenticator app shows the current code. After several failed attempts, Mintos may lock the account for a while. Its advice is to wait a few minutes before you try again, or to request a password reset (Mintos).

If a fresh code still doesn't work, check your iPhone's clock: Settings > General > Date & Time > Set Automatically. Novaz warns you when the clock is 15 seconds or more off. More causes are in Authenticator code not working?

Changing phones

Mintos's help doesn't describe a separate step for moving 2FA to a new phone. The 16-digit secret code is what it offers for linking a new authenticator app. On your new iPhone, tap +, then Enter key manually in Novaz, and type the saved code as the Setup key. Check that the new phone shows the same code as the old one before you wipe the old phone.

Mintos's help doesn't show what the secret code looks like. If Novaz won't accept it, use the steps Mintos does document while you still have the old phone: turn 2FA off (see below), then turn it on again and add Mintos to the new iPhone.

If you have a Novaz iCloud backup or backup file, restoring it on the new iPhone brings Mintos along as well. See How to transfer your authenticator app to a new iPhone.

If you lose your authenticator

Mintos suggests these steps, in this order (Mintos):

1. See whether your authenticator app can restore its data. With Novaz, that works if you turned on iCloud backup or exported a backup file: restore it on the new iPhone. Without one, Novaz has nothing to restore.
2. If you saved the 16-digit secret code, use it to add Mintos to a new authenticator app (Mintos).
3. If neither works, contact Mintos support. Once Mintos confirms it's really you, it turns off two-factor authentication on the account. You can then sign in and set up a new device.

Mintos doesn't say what proof it asks for. Support starts with the Mintos Assistant chat in the help center. If the assistant can't solve the problem, it passes your question to a support agent, and Mintos aims to answer those within 5 business days (Mintos).

More in Lost the phone with your authenticator app?

Turning 2FA off

Go to the Security section of your account settings, click Disable next to Two-factor authentication, and enter a code from your authenticator app. Mintos emails you to confirm (Mintos). Then you can open Mintos in Novaz and tap Remove account.

Official Mintos help

• How does two-factor authentication work?
• What authentication apps can be used for Mintos two-factor authentication?
• What should I do if I lose access to my authentication device or my authentication app?
• Why can't I log in to my Mintos account?
• How do I create an account?
• How can I contact Mintos?
• Protect your account