SMS-based and voice-based 2FA are better than no 2FA at all, and many online services give you no other choice.
You also need to have working cellular service for the texts to work at all. They can be intercepted by anyone who has stolen your phone number, who has changed your account to forward calls or texts to a second number, or who works at the phone carrier. Text messages and voice calls aren't encrypted, and they're tied to your phone number rather than to a specific device. This may be the kind of 2FA you have, but it's also the least secure form. A variation is to have an automated phone call read out the code out to you, which also works with land lines.
The code is automatically generated by the service you're logging in to and is good for only a short time, usually less than 5 minutes. Texted or voice-called codes: The most common second factor for 2FA is a temporary four- or six-character digital or alphabetic code texted via SMS to your mobile phone.
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