Skip to main content

Keeping your home phone number alive just for bank security codes

Jake Miller ⭐ Helpful member
30 Aug 2026, 23:57

ok so I have a very specific first-world-expat problem. my US bank sends security codes by text to my US number. my US number is on a plan I'm paying for purely so I can receive those texts in Mexico. roaming texts sometimes arrive, sometimes arrive 40 minutes later, sometimes never.

i've tried switching to an authenticator app but the bank only allows it for some things, not others (because of course). how are you all handling this? keeping the old number alive on a cheap plan? porting it to some kind of online number? or did you find a bank that's less weird about it?

5 replies

Ben Carter ⭐ Helpful member
31 Aug 2026, 18:30

Jake, I have strong feelings about this. We kept our UK numbers by moving them to the cheapest plan the provider offered, a basic monthly one that allows roaming texts, and both phones live in a drawer except when a bank wants to talk to us. It's not elegant, but it works. Before you port your number anywhere else, check with the bank whether they'll send codes to it. Ours wouldn't send them to some kinds of internet numbers, which we discovered after a very frustrating morning.

Isabella Santos 🏆 Community expert
1 Sept 2026, 19:55

Brazilian number kept on a cheap plan for exactly this. The chip lives in an old phone that I charge once a month.

Diego Fernandez 🏆 Community expert
2 Sept 2026, 14:24

Same. Old SIM in an old phone, charged once a week. Not glamorous, but reliable.

Anna Kowalski 🏆 Community expert
4 Sept 2026, 17:06

Ask the bank whether they'll switch you to app-only approval. Ours did after I called twice.

Elena Popescu 🏆 Community expert
7 Sept 2026, 20:22

Old phone in a drawer club, apparently bigger than I thought.