I am an Australian with an HSBC US Elite Card. I used to receive OTPs for online transactions via email because I can't receive US text messages, but the email option recently disappeared. HSBC US support couldn't help. How can I receive OTPs for my US bank account without a US phone number?
The way you receive a passcode without a US phone number depends entirely on the specific multi-factor authentication methods your bank supports, such as an authentication app or biometrics.
You have ways to secure your account: multi-factor authentication does not always require a US text message, and you can explore alternative tools to regain access.
Multi-factor authentication requires two or more credentials to log in to your account. While banks frequently use a passcode sent to your phone, this is not the only method.
You can often use something else you have, such as an authentication app, or something you are, like a fingerprint or facial scan.
