How To Get A Bank OTP (One Time Password) While Overseas

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Author: Reekay V.

Since 2012 I’ve been traveling through various islands of the Philippines as a full-time Expat and spent 1999 living in Vietnam.

Share with me my ongoing adventures of life in the Philippines. Hopefully you find my observations helpful in your own adventures.
— Reekay


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  2. This video may have saved me a couple hundred dollars a year. I’ve been keeping a US number active, and popping in the US SIM card when I need to do 2-factor authentication (or when I return home for a couple weeks per year). Thanks for sharing!

  3. Some financial institutions just will not accept anything other than a “legit” phone number. Capital One is one of those institutions. That is why I keep 1 “real” American phone number at a cost of $25/month.

  4. Interesting topic as I have issues w/this using my dual sim PH phone. My US CU ask if I want OTP via a automated call or text. I’ve used both in past but many issues esp. recently as my locale has poor signal often which is not uncommon here.

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