Receive bank OTP and verification codes abroad

What each bank publishes about sending one-time passwords to a phone outside the country, approving logins in the app instead, and whether a VoIP or Google Voice number is accepted. Quoted from official help pages, dated, never inferred.

The number is only half of it. What people actually lose abroad is the six-digit code: the bank sends it to the old number, the old number is in a drawer at home, and the login stalls. Some banks will text a foreign number, some will only text a domestic one, some let you approve the login in the app and skip SMS altogether, and a few refuse numbers that belong to an internet phone service.

Each card below reproduces what one bank publishes on its own help pages, with the date we read it. We quote; we do not guess. Where a bank publishes nothing on a question, the cell says unverified and stays that way until the bank says something.

Why OTP SMS fails abroadShort codes, roaming, and the two settings that decide whether a one-time code reaches a phone in another country. Read this first if a code has already failed to arrive.

Bank OTP policies, bank by bank

BankCountryTexts a foreign numberApp approval instead of SMSAccepts VoIP numbers
Bank of AmericaUnited StatesNoUnverifiedUnverified
Capital OneUnited StatesConditionalYesNo
ChaseUnited StatesUnverifiedYesUnverified