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Ever notice that websites keep asking you to verify your identity when you're using a VPN? Whether you're checking your bank account, signing into email or shopping online, those repeated security checks can get frustrating. Your VPN may be part of the reason.
A VPN changes the IP address websites see, which can sometimes trigger additional verification requests. Fortunately, a dedicated IP address may help reduce those interruptions while keeping your VPN protection enabled. Here's what you need to know.
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YOUR BANK MAY STOP TEXTING YOU SIX-DIGIT CODES
First, let's set the record straight: A VPN generally does not interfere with how your passkeys or two-factor authentication codes work. Time-based authenticator codes are generated on your device and can work without an internet connection. Passkeys use cryptographic keys to verify your identity during a sign-in, while push notification approvals require a network connection. A VPN can usually work alongside all of these methods. What it does change is the public IP address websites see. When you connect through a VPN server, websites and apps see that server's IP address instead of your usual public IP address.
That's the whole point. But it's also why banks, email providers, and financial apps sometimes get nervous. These services use your IP address as one of many signals to decide whether a login looks legitimate. If you always log into your bank from roughly the same location and the same address, and suddenly your account is being accessed from a different city or a different country, the system flags it. Not because your VPN broke anything, but because from the app’s point of view, someone new just walked in the door.
One common trigger is a VPN connection that uses shared IP addresses. Your public IP address may change when you reconnect or switch servers, although some VPN connections can keep the same address across multiple sessions. For a bank or workplace login portal that recognizes your usual login patterns, an unfamiliar IP address or location can raise a red flag.
The second trigger is shared IP addresses themselves. When hundreds of users connect through the same VPN server, they all appear to be coming from the same address. Websites and security systems recognize these addresses as VPN traffic and treat logins from them with extra suspicion. That means more CAPTCHAs, more verification steps, more temporary lockouts. Neither of these is a flaw in your VPN. It's doing exactly what it's supposed to do. But if you're regularly logging into sensitive accounts, those extra security checks can get frustrating fast.
One potential solution is a dedicated IP address. Instead of sharing an IP address with other VPN customers, you receive a fixed address reserved for your use. Each time you connect to that dedicated VPN location, websites see the same public IP address. This consistency may help reduce unnecessary CAPTCHAs and security checks, especially on services that consider your usual login location.
However, a dedicated IP doesn't guarantee that a bank or website will recognize your connection as trusted. Security systems also evaluate your device, account activity and other risk signals.
Some VPN providers offer dedicated IP addresses as part of their subscription plans or as a paid add-on. These services let you maintain a consistent IP address while keeping your internet traffic encrypted through the VPN. However, privacy protections vary by provider, so check how your dedicated IP is assigned and whether it can be linked to your account.
There is also an important trade-off. Because only you use your dedicated IP, websites may find it easier to associate repeated visits with the same address. Shared VPN addresses can provide greater privacy against IP-based tracking by mixing your traffic with other users.
For people who frequently encounter login interruptions, a dedicated IP may provide a more consistent browsing experience without giving up VPN encryption.
For the best VPN software, see my expert review of the best VPNs for browsing the web privately on your Windows, Mac, Android and iOS devices at CyberGuy.com.
ANTI-SCAM SETTINGS ON IPHONE, PIXEL AND GALAXY YOU SHOULD CHECK
If you're still running into extra verification requests, here are five things worth trying.
Some VPN server IP addresses trigger more security checks than others. Try connecting to a server closer to your actual location. This may help reduce verification requests, although websites can still recognize VPN traffic.
Some VPN services offer split tunneling, which lets you choose which apps use the VPN connection. For example, you might allow your banking app to connect directly to the internet while keeping other apps protected by the VPN. Just remember that apps bypassing the VPN will expose your regular public IP address. Feature availability varies by provider and device. Only bypass the VPN for sensitive apps when you're using a network you trust.
If your six-digit authentication codes aren't working, your device's clock could be the problem. Time-based codes depend on accurate time settings. Make sure your phone's date and time are set to automatic. If codes still fail, confirm you're selecting the correct account in your authenticator app.
Some websites offer a "Don't ask again on this device" option after you verify your identity. Selecting it can reduce repeated security checks on your personal computer or phone. Make sure your browser allows cookies for those websites, since private browsing or automatically clearing cookies can cause them to forget your device. Never use this option on a shared or public computer.
A VPN can trigger extra security checks, but that doesn't mean every authentication request is legitimate. If your phone asks you to approve a login you didn't initiate, deny it. Someone could be trying to access your account. Check your recent account activity for unfamiliar sign-in attempts. If you spot anything suspicious, change your password and review your account's security settings.
HOW TO FIND COMPROMISED PASSWORDS ON IPHONE AND ANDROID
I like the extra privacy a VPN provides, but I can understand how repeated security checks could get frustrating. A VPN generally works alongside passkeys and two-factor authentication without interfering with their underlying security. However, changing IP addresses and shared VPN connections can prompt websites to request additional verification. A dedicated IP may reduce those interruptions by giving websites a more consistent connection to recognize. It won't eliminate every security check, but it can make frequent logins more convenient. The most important thing is to keep your authentication protections enabled, even when an extra verification step feels inconvenient.
Have you ever been locked out of an account while using a VPN, or found a solution that smoothed things out? Let us know by writing to us at CyberGuy.com.
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Take a look inside your wallet. There is a good chance at least one piece of plastic in there does little more than display a barcode. Maybe it is your library card. Perhaps it is a gym membership, grocery rewards card or another card you pull out every once in a while. Until now, getting some of those cards onto an iPhone could depend on whether the organization offered its own digital pass. Apple is changing that with iOS 27.
The latest iPhone software lets you create your own pass in Apple Wallet from a physical card, photo or screenshot. Samsung Galaxy and Google Pixel owners have similar options, which means you may be able to leave a few more plastic cards at home. Here is how to turn a membership card into a digital pass on all three phones.
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HOW TO SEARCH ANYTHING ON IPHONE, GALAXY AND PIXEL
Apple added the ability to create your own passes in Wallet with iOS 27. This comes in handy when a membership or loyalty card has a barcode or QR code, but the organization never gave you an "Add to Apple Wallet" button. Apple specifically points to library cards and gym memberships as examples.
If you have an Apple Intelligence-compatible iPhone, you can create a pass from a photo or screenshot containing the barcode or QR code. Apple Intelligence recognizes the code and can give you the option to add it to Wallet.
Apple Intelligence on iOS 27 requires a supported device, including the iPhone 15 Pro, iPhone 15 Pro Max or iPhone 16 family and later compatible models. Availability can also depend on your language and region. However, Apple also gives you a manual way to create a pass directly inside Wallet.
First, make sure the barcode or QR code is clearly visible. A blurry photo could make the code difficult for your iPhone to recognize or for a scanner to read later. On a compatible iPhone, Apple Intelligence can recognize the barcode or QR code in a photo or screenshot and offer to create a Wallet pass.
On a compatible iPhone running iOS 27 or later:
Pro tip: After you create the pass, you can tap View Original Photo to see the image you used.
You can also build a pass yourself in iOS 27. This gives you another option when you want to add the information manually.
Once you've created a pass, you can customize its appearance or change the information it contains. You can also add or remove fields if you want different details displayed.
HERE'S SOME TIPS ON HOW TO ORGANIZE PHOTOS WITH KEYWORDS ON YOUR PHONE
Samsung Galaxy owners already have a similar option through Samsung Wallet. Samsung says almost any membership card with a barcode can be stored in the app.
On a Galaxy phone running the latest available Samsung software:
Samsung also supports participating memberships that are already built into Wallet. Once you need the card, open Samsung Wallet and select the membership. The barcode can then appear on your screen for a cashier or compatible reader to scan. Menu names can vary slightly depending on your Galaxy model and Samsung Wallet version.
Google Wallet can save passes from images when they contain a barcode or QR code. Google specifically lists library cards, gym passes and parking passes as examples.
On a Google Pixel running the latest software:
When you need the card, open Google Wallet and select the pass. You can then scan its barcode or QR code at the reader.
Tip: Google also lets you return to the original image you used to create the pass. Open the pass and tap the More button in the upper-right corner to find the original image.
You may also see Everything else under Add to Wallet. Google uses this option for creating other types of passes from a photo. Select Everything else, accept the consent terms if prompted, then take a photo or choose one from your phone. Google will preview the information it detects so you can review and manually edit it before tapping Add.
Start with cards whose main purpose is giving a business or organization a barcode or QR code to scan. A library card is an obvious candidate. Gym memberships and store loyalty cards may work well, too. Parking passes and other simple barcode-based credentials can also be good candidates, depending on how the organization verifies them.
The easiest test is to look at the physical card. If the person behind the counter normally scans a static barcode or QR code printed on it, there is a reasonable chance a digital version can work. Keep the physical card until you have successfully tested the digital version. Some scanners may have trouble reading a phone display, and some organizations may require the original card.
There is an important limit here. Creating a digital pass from a photograph does not turn every card in your wallet into an official digital credential. Do not assume you can photograph a driver's license, credit card, secure workplace badge or another sensitive credential and use the resulting image as an official replacement.
Some digital credentials require verification from the organization that issued them. Payment cards also have separate security and enrollment requirements. Event tickets deserve extra caution. Many ticketing services now use barcodes that refresh or change to prevent fraud. A screenshot of one of those codes may fail at the gate. Whenever an issuer provides an official Add to Apple Wallet, Add to Google Wallet or Samsung Wallet option, use that instead.
YOUR PHONE SAYS IT'S UPDATED. CHECK OTHER SETTINGS, TOO
I like this iOS 27 addition because it fixes a surprisingly annoying limitation. I have had plenty of cards with perfectly usable barcodes that could not go into Apple Wallet simply because the organization behind them never created a digital pass.
Now Apple is giving iPhone owners more control over that process. Samsung and Google already offer useful ways to accomplish something similar, so this is one of those rare phone features that can help you regardless of which of the big three you carry.
I would start with the low-risk stuff. Put your library card or gym membership on your phone and see how it goes. If it saves you from carrying another card around every day, great. Just remember that a photo-based pass and an official digital credential are very different things. Your phone can replace more of your wallet than it used to, but I would not empty the whole thing yet.
If your phone could replace every card in your wallet tomorrow, which physical card would you be most nervous about giving up for good? Let us know by writing to us at CyberGuy.com.
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