SIM Swap Identification - Similar to the location one, part of the process for sending an SMS provides some basic SIM information back to the sender.
Location Checks - When a bank sends you an SMS they’re generally able to do it in a way that gives them a current location for that Phone/SIM, I’m not talking about an accurate GPS location, but they’re able to see which mobile network and country you’re currently roaming on.Īs you can guess, if they see your card getting used in the USA, but your mobile number is currently roaming in the UK, they’re more likely to block that transaction as it simply looks strange. However more often these days banks are also using this to perform:
It’s worth remembering why banks are actually performing SMS verification, as not many people know all of the use-cases, and coming up with a solution to keeping your number while traveling may break one or more of these - Which is more likely to get your payments flagged for suspicious traffic.ĢFA - Banks want to perform some kind of two factor authentication, so they send the one time password via an SMS, which you enter back on a portal. I definitely suggest you port your number to Google Voice ahead of time because it can take up to 3 days, and that may make things confused if you’re also traveling at that time. This setup works well for all my OTP needs - I’ve successfully used it for banking, stripe, etc. Google Voice cannot forward to anything but a US number. When I know I’ll be out and about or when I need someone to potentially wake me in the middle of the night, I give out my Skype Number which will forward to my Vietnam Number. I could have Google Voice forward to Skype and then have Skype forward to my local Vietnam number when I absolutely can’t be in front of the computer, but that seems like too much “forwarding” to me and it could take a long time to connect. I usually give out my Google Voice number to US people / US banks and park myself in front of the computer when I need to take a call (this is free, Skype costs money to receive calls). I ported my number to Google Voice in October 2016 and it’s worked great since then. I run a business which relies on text messages being sent out / we have a one time password feature, so I’m pretty familiar with Twilio, telephony, and text messaging systems.
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