I think perhaps US being an exception, receiving SMSs is free even when you are roaming. Many android phones have dual physical SIM cards, so when I travel, I

I think perhaps US being an exception, receiving SMSs is free even when you are roaming. Many android phones have dual physical SIM cards, so when I travel, I still keep my bank-registered number on roaming. But I totally agree with your point - of all places, Banks are probably WORST with 2FA. No U2F or even TOTP. There was one bank where I live that offered thise battery powered RSA physical tokens, but they are way worse in practicality.