No it doesn't. Only a few banks have phone-app based pre-transaction 2FA. TransferWise is my favourite, but even they only check for the first transaction, no

No it doesn't. Only a few banks have phone-app based pre-transaction 2FA. TransferWise is my favourite, but even they only check for the first transaction, not subsequent ones (e.g. for "recurring" one-off purchases e.g. UberEats).