The One-Time-Password technique is much more advanced, compared to 2FA. Banks widely uses the service, and other financial institutions to access secure portals. Noteworthy, OTPs are more reliable than two-factor authentication techniques, albeit they can still be hacked if you’re not keen. Note: We highly recommend that while you’re using the best password manager – whether it’s free or premium – you should consider using both 2FA, and OTP techniques as well.