second this, dealing with it myself. gave my number to bank to send me TOTPs, and then moved away literally dozens of thousand km away to find out that roaming

second this, dealing with it myself. gave my number to bank to send me TOTPs, and then moved away literally dozens of thousand km away to find out that roaming is not enabled by default (had to buy a new sim card from new carrier), you have to visit office in-person, and on top of that, bank wouldn't send SMS to foreign numbers, so my card is good to cash out basically, forget the online payments