4 ms·Which bank? I'm with LLoyds and transactions are verified via the app, not SMS.by xnorswap 2y agoWhich bank? I'm with LLoyds and transactions are verified via the app, not SMS.howerj 2y agoSame with Natwest / Virgin. I do not think I have ever verified anything with SMS banking wise, sometimes you get alerts via SMS though.funmi 2y agoSame with HSBC (globally actually, not just in the UK).