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In many European countries SIM cards are actually locked to a number.

If you change your SIM card you'll have to reset your 2FA setup on the banks site. It's done on the carrier side.

I still hate it tho, as you are locked to a phone number and it sucks when you move countries a lot.



This relies on carrier cooperation. Given they are the ones that caused this shit-show in the first place I wouldn't trust them to make it right. An insider capable of SIM-swaps would also be able to override this mechanism.




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