SMSkode

SMSkode is a term used to describe a verification code delivered to a user's mobile phone via Short Message Service (SMS) that is used to verify identity or authorize a transaction. In practice, SMSkode functions as a one-time password (OTP) or input token, often employed as a form of two-factor authentication alongside a username and password.

Common use cases include online banking, login to service portals, and payment or order verification. The user enters the received code in the service's interface to complete the action. Codes are typically four to six digits and are valid for a short window, usually a few minutes.

Delivery depends on mobile network connectivity; SMScodes may be delayed by carrier routing, roaming, or network congestion. The approach is widely supported because it does not require additional devices or apps beyond a standard mobile phone.

Security considerations: SMSkode inherits vulnerabilities inherent to SMS. These include SIM swapping, SMS interception, or number porting attacks, and the risk of phishing attempts that prompt users to share codes. Because of these risks, security experts often recommend using SMScodes only for low-risk actions and combining them with stronger forms of authentication, such as hardware tokens or app-based authenticators.

Industry usage and regulation: Many banks and service providers rely on SMSkode for accessibility and ease of use, especially for users without smartphones. However, several organizations and standards groups encourage alternatives for higher-risk scenarios, and some regions regulate data handling and consent for SMS-based verification under privacy laws.