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.
Bank OTP policies, bank by bank
What lands here first
One card per bank, quoting its own help pages: whether it sends one-time passwords to a number outside the country, whether you can approve a login in the app instead, whether it accepts a VoIP or Google Voice number, and what it asks you to do before you travel.
- 1Why OTP SMS fails abroad: short codes, roaming, and the two phone settings
- 2Capital One, Bank of America and Chase
- 3Indian and Chinese banks, once their help pages are confirmed readable
Each page goes live only once its sources check out, and every arrival is dated in the rule changes log. If you need one of these sooner, write to [email protected] and we will move it up.