One of my banks actually sends two SMSes, a generic warning one, with the actual code following a minute later (the website tells you this will happen). Annoyin

One of my banks actually sends two SMSes, a generic warning one, with the actual code following a minute later (the website tells you this will happen). Annoying when you're short of time, but I suspect it's very successful at countering this sort of social engineering. You open the message the scammers tell you they've sent, and it just tells you to beware of people ringing you up and asking for codes. Probably you don't stay on the line waiting for the actual security code.