Learn About Passwords and Passkeys Differences

Understanding What Passwords Are and How They Work

A password is a string of characters—letters, numbers, and symbols—that you create and use to prove your identity when logging into accounts. Think of it like a key to your front door, except instead of a physical object, it's information only you should know. When you type your password into a website or app, the system checks whether it matches what's stored in their database. If it does, you're granted access to your account.

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Passwords have been the standard security method for decades. They're simple to understand: create something secret, remember it, and type it in when needed. Most people use passwords for email, banking, social media, work accounts, shopping sites, and countless other services. The basic concept remains unchanged across all these platforms.

However, passwords rely entirely on secrecy. If someone discovers your password, they can access your account as if they were you. This is why password security matters so much. A weak password—one that's short, common, or based on personal information like birthdays—can be guessed or cracked in seconds by attackers using automated tools. A strong password, on the other hand, contains a mix of uppercase and lowercase letters, numbers, and special characters, making it far harder to crack.

The challenge most people face is remembering multiple strong passwords for multiple accounts. Studies show that the average person has between 70 and 100 online accounts. Creating unique, complex passwords for each one and remembering them all is nearly impossible without help. This difficulty often leads people to reuse passwords across sites, which creates a serious security problem: if one service is breached, hackers can use that same password to access your other accounts.

Another issue with passwords is that they're vulnerable to phishing attacks. A criminal might send you a fake email that looks like it's from your bank, complete with a convincing logo and professional layout. The email asks you to "confirm your password" by clicking a link and entering your credentials. If you fall for it, you've just handed over your password to a criminal who can then access your real account.

Practical takeaway: If you continue using passwords, make each one unique, at least 12 characters long, and include a mix of letters, numbers, and symbols. Write them down in a physical notebook kept in a secure location, or use a password manager—a tool that stores all your passwords behind one master password.

What Passkeys Are and Why They Exist

Passkeys represent a newer approach to online security that moves away from passwords entirely. Rather than typing a password, you prove your identity using something you have (your phone or computer) combined with something you know or are (a PIN, fingerprint, or face scan). Major tech companies including Apple, Google, and Microsoft have all adopted passkeys as their recommended authentication method for the future.

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A passkey is actually a pair of related codes called a cryptographic key pair. One key is private—stored securely on your device and never shared—and the other is public, stored by the website or service you're logging into. When you try to log in, the service sends a challenge to your device. Your device uses the private key to create a unique response to that challenge. The service verifies the response using the public key. If it matches, you're logged in. The clever part is that even if someone steals the public key from the service, they cannot use it to forge a valid response without the private key—and the private key never leaves your device.

Passkeys work using biometric authentication on most devices. On your iPhone, for example, you'd use Face ID or Touch ID. On an Android phone, you'd use a fingerprint, face recognition, or PIN. On a computer, you might use Windows Hello (facial recognition), a fingerprint reader, or a PIN. The biometric or PIN is what proves you're really you—it's your second factor of security.

The major difference from passwords is that passkeys don't rely on something you remember and type. They're built into your device's security system. You don't need to create a complex password and somehow remember it. You don't need to worry about whether you've used this password elsewhere. Each passkey is unique to that specific service, and creating new ones takes just a few taps during setup.

Several major websites and services have begun offering passkeys. Google allows you to sign in with a passkey instead of a password. Microsoft does the same. Apple enables passkey sign-in for iCloud accounts. GitHub, PayPal, and various other services have added passkey support. Financial institutions are beginning to explore passkeys as well, particularly for high-security banking applications.

Practical takeaway: If you see an option to "sign in with a passkey" during account setup or in your account settings, it's worth trying—especially for important accounts like email and banking. You'll need a device like a smartphone or computer, but you won't need to invent or memorize anything.

Key Technical Differences Between Passwords and Passkeys

Understanding the technical differences between passwords and passkeys helps explain why security experts consider passkeys significantly safer. Passwords are fundamentally based on something you know. Passkeys use cryptography—complex mathematics that makes them nearly impossible to break or fake without the private key stored on your device.

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When you create a password, that password is sent to a server and stored there (ideally in an encrypted or hashed form, though practices vary). Every time you log in, you're sending your password across the internet. This creates multiple vulnerability points. If the company's database is breached, hackers might obtain your password. If you're on an insecure Wi-Fi network and use an unencrypted login page, someone could potentially intercept your password. If you reuse the password across multiple services, one breach compromises multiple accounts.

Passkeys work differently at a fundamental level. Your private key never leaves your device. It never travels across the internet. When you attempt to log in, your device performs a mathematical operation using the private key to prove possession of that key. The website never sees your private key—it only sees proof that you have it. This means even if the website is breached, hackers cannot obtain your private key because it was never stored there. They only get the public key, which is useless without the corresponding private key.

Passkeys are also resistant to phishing in a way passwords simply are not. When you use a passkey, the authentication is tied to a specific website or service. Your device knows you're signing into, say, Google. If a hacker sends you a fake email with a link to a fake Google login page, your passkey won't work on that fake page. Your device will recognize that the domain doesn't match and refuse to authenticate. Passwords, by contrast, work anywhere you type them—legitimate sites and fake ones alike.

Another technical difference involves account recovery. If you forget a password, the service can send you a recovery email or ask you security questions. This recovery process itself becomes a security vulnerability because it must be simple enough for you to use, yet secure enough that attackers can't abuse it. With passkeys, recovery looks different. Your passkeys are backed up to your device manufacturer's secure cloud service (iCloud for Apple devices, Google Account for Android, etc.). If you lose your device, you can sign into a new device with your account, and your passkeys are restored automatically.

Practical takeaway: Passkeys protect your actual authentication secret (the private key) by never exposing it to websites or the internet. Passwords protect only through secrecy—if anyone learns your password, your security is broken. The technical difference makes passkeys substantially harder to compromise.

Security Advantages and Limitations of Each Method

Passwords have a significant security weakness: they're only as strong as their weakest link. Even if you create a perfect 16-character password with uppercase, lowercase, numbers, and symbols, a weak password used for another service might still compromise you. If your email password is weak and gets cracked, attackers can use email recovery features to reset passwords on your other accounts. Passwords are also vulnerable to brute-force attacks, where criminals try millions of password combinations automatically until one works.

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Phishing represents perhaps the greatest real-world threat to password security. Most data breaches don't happen because a hacker cracked an encrypted database—they happen because someone fell for a convincing fake login page and typed in their credentials. According to security research, phishing accounts for a significant portion of successful attacks against individuals and organizations. Password-based systems inherently cannot protect against someone willingly handing over their credentials to a fake website.