What is the CRA backup MFA requirement?

It is a new rule that asks every CRA account holder to set a secondary sign‑in option. If your primary phone or app fails, the backup keeps you signed in. This reduces lockouts, cuts call volumes, and helps returns and benefits move without delays during peak filing weeks.

How do I choose a good backup factor for my CRA account?

Pick a method you control daily and can recover if a device is lost. Common choices are an alternate phone number for text or voice codes, or an authenticator app on another device. Test it once, label it clearly, and store any recovery details securely.

Will a backup sign‑in slow my login or refund?

No. It typically speeds things up by preventing lockouts and password resets. With a working backup, you stay signed in to upload documents, confirm direct deposit, and respond to CRA messages on time. That can help assessments finish sooner and refunds arrive without avoidable delays.

Does this apply to businesses and representatives too?

Yes. Individuals, businesses using My Business Account, and tax professionals in Represent a Client are affected. A backup factor helps everyone maintain access to view statements, submit forms, and respond to CRA requests. Set it up now to avoid access issues during busy filing periods.

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Canada Revenue Agency February 14: Backup MFA Now Required for CRA Accounts

ByDanny Kontos February 15, 2026February 15, 2026

The CRA backup MFA requirement begins February 14, aiming to cut lockouts as Canadians sign in to file, track refunds, and manage benefits. Starting now, all users will be asked to add a secondary sign‑in option to keep access if a primary device is lost. The change supports CRA multi-factor authentication and prepares systems for CRA online filing 2026. For tax season Canada 2026, this upgrade should reduce call volumes, shorten wait times, and help refunds flow faster. Taking five minutes to add a backup method today can save hours during peak filing weeks.