CRA Backup Multi-Factor Authentication: Why You Need It and How to Set It Up
If you have a CRA account (also called My Account for individuals or My Business Account for business owners), you’ve probably already set up multi-factor authentication (MFA). This is the extra security step where you enter a code from your phone or email after typing in your password. But did you know that the CRA is now encouraging everyone to add a backup multi-factor authentication option?
Starting in February 2026, the CRA introduced a new requirement for account users to set up a backup MFA method. This means having a second way to prove it’s really you when you sign in — just in case your first method isn’t available. Think of it like having a spare key to your house.
What Is Backup Multi-Factor Authentication?
Multi-factor authentication is a security feature that requires you to prove your identity in two ways: something you know (your password) and something you have (like your phone or a code).
A backup MFA option is simply a second method you can use if your primary method isn’t working. For example, if you normally use your phone to get a code, but your phone is lost, broken, or doesn’t have service, you can use your backup method instead.
Without a backup, you could get locked out of your CRA account right when you need it most — like during tax season.
Why the CRA Is Requiring Backup Multi-Factor Authentication
The CRA introduced this requirement for two important reasons:
- Protecting your account: With millions of Canadians accessing their CRA accounts every year, stronger security helps prevent unauthorized access and identity theft.
- Preventing lockouts: If you lose access to your primary MFA method and don’t have a backup, you could be locked out of your account. This means calling the CRA and waiting on hold — especially frustrating during busy tax season.
By reducing the number of people calling in because they’re locked out, the CRA can focus on helping Canadians with more complex tax and benefit questions.
In short, adding a backup MFA option keeps your account safer and makes sure you can always get in when you need to.
How to Set Up Your Backup Multi-Factor Authentication
The next time you sign in to your CRA account, you’ll see a prompt asking you to add a backup MFA option. The CRA gives you three choices:
1. Third-Party Authenticator App
An authenticator app is a free app you download to your smartphone (like Google Authenticator, Microsoft Authenticator, or Authy). Once set up, the app generates a unique one-time passcode every 30 seconds.
This option is great because it works even if you don’t have cell service or Wi-Fi — the app generates codes on its own.
2. Passcode Grid
A passcode grid is a unique sheet of codes that you save or print out. When you sign in, the CRA will ask you for a specific code from your grid (for example, “Enter the code from row C, column 3”).
This option is perfect if you prefer something offline and physical. Just keep your printed grid in a safe place where only you can access it — not taped to your computer monitor!
3. Set Up a Backup Option Later
You can choose to skip this step and set up your backup MFA later. During tax filing season, you’ll have the option to skip the prompt each time you sign in.
However, we strongly recommend not putting this off. The whole point of a backup is to have it ready before you need it.
Activating Your Backup MFA Option
Once you’ve chosen your backup method, you’ll need to enter a one-time passcode to activate it. This confirms that your backup is working properly.
After your backup is set up, you can choose which MFA method to use each time you sign in — your primary method or your backup. This gives you flexibility and control.
What Happens If You Don’t Set Up a Backup?
The CRA allows you to skip the backup MFA setup during tax season, but that doesn’t mean you should. Here’s what could happen if you don’t add a backup:
- Account lockout: If you lose your phone, change your number, or can’t access your email, you won’t be able to sign in.
- Delays and stress: Getting locked out means calling the CRA, waiting on hold, and possibly missing important deadlines.
- Missed deductions or credits: If you can’t access your account, you might miss important tax slips, notices, or benefit information.
Setting up a backup takes just a few minutes and can save you hours of frustration later.
Common Questions About Backup Multi-Factor Authentication
Can I change my backup MFA method later?
Yes. You can update your MFA settings anytime by signing in to your CRA account and going to the security settings section.
What if I lose both my primary and backup MFA options?
If you lose access to both methods, you’ll need to contact the CRA directly to regain access to your account. This process can take time, especially during busy periods, so it’s important to keep your backup secure and accessible.
Is my CRA account safe with MFA?
Yes. Multi-factor authentication is one of the strongest security measures available. It makes it much harder for anyone else to access your account, even if they know your password.
Why Professional Help Matters
While setting up backup multi-factor authentication is an important step in securing your CRA account, managing your taxes involves much more than just logging in. Understanding notices from the CRA, claiming all the deductions and credits you’re entitled to, and avoiding costly errors requires expertise.
That’s where working with a professional makes all the difference. At JHG Corporate and Tax Services Inc., we help Canadian individuals and business owners navigate every aspect of their tax obligations — from filing accurate returns to responding to CRA notices and maximizing tax savings.
We stay up to date on the latest CRA requirements and security measures so you don’t have to. Whether you’re a sole proprietor, a small business owner, or an individual taxpayer, our team is here to give you peace of mind and ensure your taxes are done right.
Take Action Today
Don’t wait until you’re locked out of your CRA account to set up a backup MFA option. The next time you sign in, take a few minutes to add that extra layer of security. Choose an authenticator app or print a passcode grid — whichever works best for you.
And remember, securing your CRA account is just one piece of the puzzle. For expert tax preparation, bookkeeping, and CRA support, trust the professionals at JHG Corporate and Tax Services Inc. to help you stay compliant, secure, and stress-free all year long.
Need Help With Taxes?
When it comes to taxes, they are always changing, always being updated!
That’s why it’s always smart to work with professionals like JHG Corporate and Tax Services Inc.
Get expert help to make sure you’re receiving every dollar you deserve — no hidden errors, no missed benefits.
Click here to book an appointment with a real tax pro today! Or call us directly at 778-691-5566.
Frequently Asked Questions
What is backup multi-factor authentication for my CRA account?
Backup multi-factor authentication is a second security method you can use to access your CRA account if your primary method (like your phone or email) isn’t available. It prevents you from getting locked out and ensures you can always sign in when you need to.
How do I set up backup multi-factor authentication on my CRA account?
The next time you sign in to your CRA account, you’ll be prompted to add a backup MFA option. You can choose a third-party authenticator app, a passcode grid, or set it up later. We recommend choosing one right away to avoid lockouts.
What happens if I don’t add a backup MFA option to my CRA account?
If you don’t add a backup and lose access to your primary MFA method, you could be locked out of your CRA account. This means you’ll need to contact the CRA to regain access, which can cause delays and stress, especially during tax season.
Can I change my backup multi-factor authentication method later?
Yes, you can update your backup MFA settings anytime by signing in to your CRA account and accessing the security settings section. It’s a good idea to review your options regularly to make sure they’re still working for you.
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When it comes to taxes, they are always changing, always being updated!
That is why it is always recommended to use a professional like JHG Corporate and Tax Services Inc to get your taxes done to ensure you are getting the most out of your tax return.
Click here to book an appointment with a real tax pro now!
Or Call Our Hotline Today: 778-691-5566
