One Time Password (OTP) is free from brute force, replay, and shoulder attacks. The codes may originate from different entropy attributes and schemes, such as true random and digital random number generators. The aim of the study is to develop an Computerized Two Factor Authentication Login System Using One Time Password (OTP) with SMS. In achieving this aim, the following specific objectives were laid out to develop anti-form grabbing technique to encode the user inputs as they are being entered, Implement a Two Factor Authentication mechanism using One Time Password (OTP) with SMS, develop a medium that make use of Email from the server for identity Verification, and develop the OTP algorithm to authenticate the end user. The motivation that led to the implementation of the proposed system is as a result of the challenges of poor security and vulnerability of users, resulting to applications being hacked by unauthorized people, the researcher delved into developing a more secured login application that sends a secret pass-code to the registered phone number of a user for identification purpose. The methodology adopted in this study is the structured system analysis and design methodology (SSADM) which is a technical approach for analyzing and designing an application or system by applying object throughout the software development process. The programming language used is HTML, CSS, JAVASCRIPT, PHP, SQL and JQUERY. The reason why web programming languages was used is because, it is platform independent and it is a web based application. The study will be of great importance to researcher who intends to carry out study in similar topic as the study will serve as a reference point. Finally, the study will be of significance to academia, students, lecturers and the general public as the findings will also contribute to the pool of knowledge. The expected result is a Two Factor Authentication Login System Using One Time Password (OTP) with SMS that will authenticate system users, using QR Code and OTP with SMS. Also, the system will be able to detect valid and invalid OTP code inputted in the application software.