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.
“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?”
Summary
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.
Read the full explanationHide the full explanation
Alternative verification methods
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.
SettleKit is not a law firm. This is general information, not legal advice.
Related answers
Join the SettleKit newsletter
We research the hard parts of settling in the US and write articles you will not find anywhere else. Subscribe to get each new article by email.