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OPM.gov / Retirement / How-to / How to login to Services Online

How to login to Retirement Services Online

Retirement Services Online uses Login.gov, the U.S. Government's secure login tool. Creating a login.gov account is a one-time task. After you create your login.gov account and link it with Services Online, you will be able to sign into Services Online using your login.gov account.

  1. Go to Retirement Services Online

    Retirement Services Online homepage screenshot with the blue "Sign in with Login.gov" button outlined in red

    Navigate to Services Online homepage and click on the button that says "Sign in with LOGIN.GOV."

  2. Create an account

    You will only need to do this once.

    If you already have a login.gov account, you don't need to create a second one. Use your existing login.gov email address, password, plus one of the two-factor authentication methods to sign into Services Online.

  3. Enter an email address.

    Your new username for signing into Services Online will be your email address.

  4. Confirm your email

  5. Create a strong login.gov password

    Login.gov passwords must be at least twelve characters. There are no other restrictions. You can even use more than one word with spaces to get to 12 characters. Try using a phrase or a series of words that only you recognize.

    Your login.gov password should be different from passwords you use for other accounts such as your bank account or email. Using the same password for many accounts makes identity theft easier.

    NOTE: This step pertains to creating your login.gov password. The first time you log in to Retirement Services Online with your Login.gov account, OPM will send an activation code to your email. This activation code lets you link your Login.gov account to Retirement Services Online.

  6. Select your method of authentication

    Using authentication methods keeps your account more secure than using only a password. You can choose between text messages, phone calls. or one of the other options accepted by login.gov.

  7. Test your authentication method

    You will then be asked to use your authentication method to confirm that it works and verify who you are.

  8. Select Agree and Continue to Services Online to link your account

    You've created an account with Login.gov.

  9. Complete the activation of your Retirement Services Online account

    Once you log in through Login.gov, you will receive an activation code to your email. After you enter the activation code you may need to verify your personal information. Once you have successfully verified your information, you will be logged in to Retirement Services Online.

  10. Use your Login.gov account every time you sign into Retirement Services Online

    Now that you have linked your Services Online and login.gov accounts, you will need to use your login.gov email address, password, and two-factor authentication every time you want to sign into Services Online. Do not share your login.gov credentials and always verify or bookmark the URL.

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