Pretty quick actually, once verification clears the login basically becomes instant, just email and password with no extra confirmation screens getting in the way. Went through the process myself a few months back and noticed the difference right after documents got approved, load time dropped to under two seconds most days. While waiting on verification I spent some time on luck.gb.net looking over the account security details, which explained why the extra steps exist before that first quicker login happens. Two factor login stayed optional the whole time too, never felt forced into anything extra. Mobile login through the browser felt just as fast as desktop, no noticeable lag switching between them. Worth sticking through the verification step since things move a lot smoother afterward