---
title: Logging in to the App with a One-Time Password (OTP)
description: Seamlessly access the Mobilo web and mobile apps
---
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November 12, 2026
# Logging in to the App with a One-Time Password (OTP)
## Seamlessly access the Mobilo web and mobile apps
When you log in to Mobilo, we email you a temporary 5-digit code by default. Enter it, and you're in, no password needed. If you'd rather receive the code by text message or use your password instead, both are available as alternatives on the same screen. If your organization uses single sign-on (SSO), you'll be taken to your company's login page instead, as before.
#### On this page
- ##### [Logging in step by step](https://support.mobilocard.com/en/support/logging-in-to-the-app-with-a-one-time-password-otp-mobilo-help-center#Logging-in-step-by-step)
- ##### [Good to know about your code](https://support.mobilocard.com/en/support/logging-in-to-the-app-with-a-one-time-password-otp-mobilo-help-center#Good-to-know-about-your-code)
- ##### [Didn't get a code, or having trouble?](https://support.mobilocard.com/en/support/logging-in-to-the-app-with-a-one-time-password-otp-mobilo-help-center#Didnt-get-a-code)
- ##### [Frequently asked questions](https://support.mobilocard.com/en/support/logging-in-to-the-app-with-a-one-time-password-otp-mobilo-help-center#Frequently-asked-questions)
---
### Logging in step by step
1. Go to [app.mobilocard.com](http://app.mobilocard.com) in your browser, or to the mobile app on your phone, and enter the email address associated with your account, then select Continue.
2. Mobilo emails you a 5-digit verification code automatically.
3. Check your email for the code.
4. Enter the 5-digit code on the verification screen and click on "Verify". You're then signed in to Mobilo.
5. Prefer a different way in? Select **"Send SMS instead"** to get the code by text message, or **"use password instead"** to log in with your password as usual.
Please note that if your organization has set up SSO with Mobilo, you'll be redirected to your company's identity provider (e.g., Okta, Microsoft Entra) to authenticate there, so the steps above don't apply to you.
[](https://downloads.intercomcdn.com/i/o/q168l98c/2661553013/6d05a3b86603cc64199ba01d5e10/OTP.png?expires=1790029800&signature=4937b6aec4619e68e5e4cefe5e945ba2ace1dd7075fc7e1392ca5e5fb38a0134&req=diYhF8x7noFeWvMW1HO4zWuPEJEFDP1NrvQ2XiZhgHW7sCA0JLSx9YWwyUJJ%0AaGOiZSHNUfu%2F7eXIIjs%3D%0A)
### Good to know about your code
| **Detail** | **Behavior** |
| --- | --- |
| Format | 5-digit numeric code |
| Expires | 10 minutes after it's sent |
| Uses | Single use. Once verified, it can't be used again |
| Resend | Available after a short cooldown shown on screen |
**Note:** *Requesting a new code automatically invalidates any earlier code. Only the most recent one will work.*
### Didn't get a code, or having trouble?
- **Didn't receive it?** Wait for the Resend countdown shown on screen, then select Resend. You can also select Send SMS instead or Use Password Instead to log in a different way.
- **Code says incorrect?** Double-check the digits and try again.
- **Code expired?** Select Send a new code. You won't need to re-enter your email unless your login session itself has timed out.
- **Too many incorrect attempts?** You'll be asked to request a new code before trying again.
### Frequently asked questions
**Do I still need a password?**
No. Email OTP is the default way to log in, so you don't need to enter a password. If you prefer, your password still works: select *Use Password Instead* on the code-entry screen to log in the way you always have.
**What if I don't have a Mobilo account yet?**
If you enter an email that isn't linked to a Mobilo account, you won't receive a code for security reasons. You can create a new account at buy.mobilocard.com.
**Can I switch to text message or my password instead?**
Yes. On the code-entry screen, select Send SMS instead to get the code by text, or Use password instead to log in with your password. This option will only be available if you have a valid phone number listed on your profile under the Mobile Phone Number or Work Phone Number fields.
**My organization uses SSO. Does this change anything for me?**
No. If your organization requires SSO, you'll continue to be redirected to your company's identity provider to sign in, exactly as before. OTP applies to standard Mobilo accounts, not to organizations with mandatory SSO.
### Need Help?
If you have questions or need help logging into your account, kindly contact us, and we will be happy to help!
If you are already chatting with us, type "Live Support," and you will be connected with one of our specialists, or contact us via email at **[support@mobilocard.com](mailto:support@mobilocard.com)**, and we can answer any questions you may have.
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