How can expats in Thailand keep their US number just for 2-factor authentication?

Sep 3, 2024
4 months ago
John *********
ORIGINAL POSTER
Keeping US Number -

Hey folks, coming over for good in October - I need a US number for ONE reason only - 2 factor authorization!! Literally every day, for banking, Paypal, government, practically anything I log onto here, they send a text to my US number so I can log in. Of course I will have a VPN when I arrive, but how do I keep a US number [JUST to receive texts, won't be making or receiving calls with it!!]. I will keep my phone from here, and buy one there with a Thai number - how can I go about making/keeping this one as my "US phone''? Thank you
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TLDR : Answer Summary
The best methods to maintain a US phone number for two-factor authentication while living in Thailand include: using a plan from US carriers like T-Mobile or Verizon that allows for international service; porting your number to Google Voice for free calls and texts; or getting a minimal data plan with services like Mint or Tello. Some users recommend using dual SIM phones, with one for your Thai number and one for your US number. Additionally, apps like TextNow and services like Skype or Dialpad allow for receiving texts from your US number through Wi-Fi. Remember to disable international roaming to avoid high charges.
Michael *************
I switched my phone service to Mint $180 for one year service. I use my IPhone 14 with both my Thai and US phone numbers with e-SIMs
Mike *********
I still have an active bill and service with my US provider and my phone has 1 physical sim and 1 eSIM. I turn on the physical sim from the US when I need to get text messages or OTP. I get travel days each month so I don’t get any extra charge and typically only use it once per month or less. It stays off but still inside my phone 99% of the time.
Ian **********
International incoming texts are free on UK sims so I keep a cheap one going. I pay £2.50 ($3.28) a month via PayPal, and I have a 2 sim phone. You can do the same on some later 1 sim phones by using an e-sim.
Frances ********
Following
Jay **********
I personally got the international/global plan on my phone through Verizon and pay less than $100 a month. All calls to US are free, unlimited data, and 300 minutes free calling time in Thailand
Cathryn *********
I use a free app, you can port your old number. it is called textnow. I have been using it for years. Free and it supports the 2F verification process. It also allows me to have a US phone number for business and friends and family.
Stephen ********
Put your phone number on your Skype account. Problem solved
Joe *********
I have a minimum mint mobile USA number as an eSIM on my phone. I turn it on (over wifi) when I need 2nd). Typically a bunch of political text messages fly in also.
Robert ****
I use Mint Mobile. I receive all 2fa texts from the US.
Liam ********
I've tried every option. Google Fi is the only one which has worked for me long term.

You can port your number over to it quite easily too.
Brian *********
Use Google Voice!

Port your existing phone number to Google Voice ($20 for the switch). Free thereafter.

This makes it voice over IP. Works for phone calls, text messages and yes multi-factor authentication.

I have had zero problems in two years.
Cubi ******
I use t mobile international to receive 2 factor authentication.
Tony **********
If you establish your 2fa while you have a valid mobile number, you can "port" your number to Google voice and it should continue to work. Most institutions validate the number when it is first setup, not each time it is used.
Mike *****
@Tony *********
Ok but I disagree. IP numbers can be detected with modern fraud prevention technology. A cellular# becomes an IP phone# after it's ported, hence it is then treated as an IP phone#. Also, some 2FA systems will happily accept the number that's configured but the text or phone call may never be successfully received.
Mike *****
@Tony *********
Main advice - no need to port THEN test. Just create a Gvoice# and test what's needed beforehand. Superfluous info - I've used Gvoice since it's inception (15-20+ yrs?). I lived in Thailand
*****
. I access too many things to recall which had a problem but from experience, I no longer rely 100% on my Gvoice for success with all 2FA. Easy to set up and test everything in advance. The actual # doesn't matter, it's whether that company detects that it's an IP# and/or allows that type of #.
Tony **********
@Mike ****
my point was that the type of number is detected at the time it is setup, not when it is used. Hence a mobile number I is validated by the institution BEFOE it is ported.
Mike *****
@Tony *********
IP phone numbers (ex. Google Voice) are hit and miss. Some institutions work, some don't. Don't setup 2FA then port to Gvoice. Test 2FA using Gvoice on everything you need it for.
Tony **********
@Mike ****
I've not seen an institution yet that is setup with 2fa on a mobile phone number; where that number is then ported to Google voice that did not continue to work. Do you have an example of one that failed after porting?
Wylie *******
I use Google voice for all my 2FA for everything. No need to even use a VPN. I've only ran into one credit card company that Google voice wouldn't work for and would not accept an international number. I just canceled that card.
Coby **********
Leave your sim with a trusted person in US. when the 2FA is sent, they can whatsapp you the number.

I know its not ideal, but its a solution that works.
Marty *********
Check to see if your bank will accept sending codes by email. My credit union allows this. My primary US commercial bank identifies me using a security usb stick.

I do have an AT&T phone number but I rarely turn it on.
Jo **********
i have 2 phones and two sim cards
John *********
ORIGINAL POSTER
@Jo *********
well as mentioned that's what I'd like to do - I will bring this US phone and US number and buy a Thai phone with a Thai number. Not sure how my US phone will work though
Stuart ***********
@John ********
am I missing something here. I came from England 3 years ago with a Huawei phone that had 2 sim card slots. I used my English pay as I use sim card and bought a Thai sim card when I arrived. I use the Thai sim card as the Primary, but text messages from banks etc still arrive. I bought a new cheap Samsung about a year ago that has 2 sim card slots and that works exactly the same. Is the USA different?
Jo **********
@Stuart **********
To be clear one phone is from the Netherlands with a dutch sim card. So not American but it works well and use it here in the Thailand with internet and use to make some important calls back home. Then I have a separate Thai phone with a Thai sim. Makes life very easy. My Dutch life is on my Dutch phone and Thai on Thai
Stuart ***********
@Jo *********
apologies I replied to wrong person.
Franklin ***********
Yea get the text now app $60 a year for premium. Works with 2 factor authentication services. Sometimes it takes a minute or 2 but otherwise perfect. I have all my usa accounts tied to this
Pat ********
Just returned to the US from a 4-week trip in LOS. My stateside cell provider is T-Mobile. My plan includes unlimited data/text in Thailand. Plus T-Mobile includes Wi-Fi calling for calling the States, which is free. Functions like you're stateside. Added a Thai eSim to my phone. Worked great.
Brian ***********
Check out US Mobile cheapest plan 8$ / month. I just got it for this reason you state plus having my normal number and cell service when i US. I am still in US so haven’t tried it abroad yet. Based on tips in other posts and reading about it I think (hope) it will work for 2FA abroad. Working great now as a normal cell service while here in US
James ***********
Another option that lets you get away from your US cell phone for 2FA is to use an authentication app like Microsoft or Google Authenticator. They work great, but not every financial institution uses them. However, between email, authentication apps and Google Voice, I no longer need my US number when I’m overseas Of course some financial institutions may still require a regular home country phone number if they use txt-only authentication.
Pavel ******
Good Voice - it works for Almost everything … so far paypal and a hospital only ones giving me trouble.
Dennis *********
If you enable "WIFI Calling" you can get your SMS 2 factor codes for free, when connected to a local WIFI "like at your condo". Some companies automatically enroll you in their high priced international plan, as soon as your phone gives the phone company notification you are not in USA. however most also you can opt of that in advance. Verizon used to have to OPT in, but now they figured out they make more money by auto opt in, and you have to call them to opt out. Not 100 percent sure if 2 factor works with google fi, never tried, but many companies enable something called KYC and if so, it might not work for you.
Brian *******
visible mobile $25 a month with wifi calling allows text and sms and voice calls when on wifi..
Kevin **********
@Brian ******
I recently switched to visible from verizon. I have a dual SIM Samsung phone. Last time I was in Thailand, I had to switch off the e-SIM for my verizon connection to prevent getting charged $10/day. How are you able to receive your SMS messages sent to your visible number?
Brian *******
@Kevin *********
you have to disable global pass after your free day per month. . and make sure wifi calling is enabled while in america. the chat person last night said global pass if activated before you leave america can turn off and turn on when needed over seas.
Deryck *******
Look up Numberbarn. Been using for 8 years.
Sean **********
I ported my old cell phone number to GoTo Connect Voip voice service (minimum 2 lines) Emergency Services and I get cell calls, SMSMMS, voicemail mail, and video anywhere as long as I have data.
Ter ******
i just use my US phone in Thailand. my carrier has an allowance for international roaming and I've never gone over it with just 2FA texts. Check if your Carrier has an international roaming allowance or even what the cost is. I use a separate phone for Thai domestic data and calls. The US phone can stay home safe and secure
Ter ******
this means you keep your US cell account ongoing, put it on autopay in US
Christian **********
Easy.

Sign up for the app dialpad it is like $15 a month. Then get a Thai sim card and call with your US number over the data through your Thai sim.

Been doing this a while and it works amazing.
Ralph *******
@Christian *********
How are you able to use your US number?
Christian **********
@Ralph ******
Once you have your Thai service download the app called Dialpad. From there select the US or whichever country you wish to receive and call from. You will then need to verify a phone number from that country, but this is only a one time verification. You can have a friend verify the number, you can verify the number before disabling the provider in your home country, or you can rent a number to verify the dialpas sms code, I used SMS Man for this and linked this below. Once you verify this you are all set to go. You can then call and text over your thai data with your new dialpad number from whichever country you specified at sign up. No additonal cost as all the phone calls and texts are through your Thai data plan but routed through dialpad. All in all it is VOIP on the go.

********************
Mark ********
following
Mark ***********
Use Fanytel. It's a good app for incoming and outgoing calls at 1 cent per minute and receiving texts too.
Mike ********
I also ported my old US number to Google Voice. Four Cr card and 3 bank accounts, no problem. Paypal will also take Google authenticator
Tracy *********
I have sprint with international calling. I can make and receive calls and text and 2 factor and it’s really cheap . Last month my bill was $16
Kenny *****
Google voice. Check youtube search for "keep your phone number when move abroad". I port my cell # to GV for 1 year and all normal phone call & text go thru no problem. I have BOA also no problem with them for virtual #. Yr phone MUST be unlock inorder to have a local Thai #.
Stacey ****************
I pay $35 a month for Verizon and keep my number back home and only use WiFi to access it here. Can call and revive texts no problem
Kevin **********
@Stacey ***************
how are you able to receive sms messages sent to your verizon number without being charged $10/day for turning on your verizon Sim card?
Stacey ****************
@Kevin *********
-$10 for paperless electronic payment for bill, +taxes = about $35. I’m on a family plan with two of my kids and son in law.
Kevin **********
@Stacey ***************
thanks for that. I had a similar plan from Verizon last year. When I was in Thailand I was charged $10/day every time I switched on my Verizon Sim card. I can't figure out how to get text messages without the roaming fees. Appreciate any insight that you can offer. I have a Samsung S22. I spoke with a couple different folks with Verizon and they were clueless.
Stacey ****************
@Kevin *********
they have an international plan that was about $100+ a month that I originally used. It wasn’t great and it reduced to 3G when the allowance ran out.

I use an IPhone and I simply switch off the cellular data and use the WiFi. I’m able to make domestic calls and get real time verification text messages.

I have a second IPhone for my Thai AIS account and number that I use everyday when I’m out and about.
Kevin **********
@Stacey ***************
thanks for this. I need to call visible and see what I can do.

I used T-mobile and it worked great for text messages while in Thailand but terrible service where I live in Texas. Had to switch to Verizon to get service in my neighborhood.
John *********
ORIGINAL POSTER
@Stacey ***************
This sounds like the best idea....but 30 people have 30 different responses, I am still sorting through all of 'em .... Thank you
David **********
Before you leave for Thailand, you need to get a dual sim UNLOCKED phone. I did this 3 years ago and switched to Google Fi (NOT to be confused with Google voice). I ported my number from Sprint (yeah, sure they had already merged with T- Mobile) and started using it before I left the States. I still have my US number for anything related to business in the States and use it with Whatsapp too (although Line is more popular in Thailand).
Vinson *******
@David *********
almost all phones (unlocked phones) can take an ESim, no need for dual sim phones

In fact the newest phones don’t even take a physical sim anymore (iPhone 15 )
David **********
@Vinson ******
true, but it's the 2nd or physical sim slot which allows you to keep your US number and get a Thai sim (I prefer AIS) for data in Thailand so you don't incur crazy data expenses.
Brian **************
I think many people are incorrect

Just using an eSIM for Thailand and keeping US number isn’t a solution

Both being active doesn’t work and if you open your US line, it messes up eSIM

I have Verizon and any message there triggers the $10 a day roaming charge
Jared *********
@Brian *************
thar method works perfectly for me. I kept my tmobile account (SIM) from usa and added AIS esim for data and calls. I set the AIS as the primary and tmobile as backup.

Works perfectly. No extra charges. No issues with the esim settings at all.

It's possible you have an incorrect setting or an issue that is Verizon specific.
Jim ********
@Brian *************
you are incorrect. I use this solution daily. It cost me $5/month. I can make calls/sms on WiFi.

I use Tello.com I ported my number after I setup my account.
Brandon ************
@Brian *************
if definitely works. I've been doing it for almost 3 years now
Kevin *******
@Brian *************
I have found that if I have the $10 roaming turned off (as in, not auto-activate) and then put the SIM in and get on the network (using WiFi for data) then I can usually receive an SMS. I can not however receive any calls nor send an SMS back. That's with Verizon. In practice this means I cough up the $10 if I need to do anything more than get one simple SMS notification that I'm expecting. Sooner or later I will find a better solution but on my last trip back, Google Voice wouldn't let me activate for some reason.
Brian **************
@Kevin ******
my Thai eSIM works for “most”

Text messages as long as my Verizon line is inactive

If I turn on my Verizon at any time in Thai, not only do I get the $10 charge but it messes up most of the messages on the eSIM

With all the technology it would seem there has to be an easy and inexpensive solution

Maybe some others here have but it seems most only read or addressed half the questions
Mark ********
@Kevin ******
- I’m moving to Bkk in Dec. Everybody on this thread seems to recommend keeping physical US sim card. But recently I switched my Tmobile to E-sim. Was i mistaken to deactivate my physical TMobile sim card? or will i be okay installing a physical Thai sim card to use as day to day line on my iphone? Like is it either/or?
David **********
@Brian *************
as I mentioned, this works perfectly. My primary number is my AIS number here in Thailand. My secondary number is a T-Mobile SIM. Both are active at the same time. Works perfectly every time. No issues. Sometimes it takes 5 or 10 extra seconds to get the message from the US.

I think it might cost me a dime to receive the text beyond the $3 a month.
Vinson *******
@David *********
roaming is charged on the day minimum on my Canadian cell plan,

Even a 5 second call is a one day charge
David **********
@Vinson ******
Understood. Like I said, mine may charge a dime for income text and it does not turn on any other plan
Jim ********
Tello.com. eSIM. $5/month. Port your number. Text/calls over WiFi.
Brian **************
Jim not correct

Just review the website

World like every eSIM but don’t see how to port your existing number
Jim ********
@Brian *************
I assure you that you can port your number over.

**************************************
Rich ****
Following
Martin *********
I use an old flip phone that has TracFone contract. I believe it was $60 for the year and it does Wi-Fi calling and texting so I have it set up at home and the only time I use it is what I get a text for two step Authentication
David **********
I have a US number from T-Mobile for the past 20 years at $3 a month. Used only for 2 factor authentication. Works perfectly. iPhone 15 Pro. E-SIM with Thai phone number and the T-Mobile SIM in the same phone. Seamless.
David **********
The T-Mobile $3 a month charge is simply what they charge me to keep my number active. Maybe it’s not a plan but a service. When I get to the USA call and activate a plan and turn it off when I leave. Haven’t been back for 8 years.
Steve *****
@David *********
$3 ? What plan ?
Don ******
@Steve ****
I imagine with it being that low, probably not available anymore.

He is ML grandfathered in.

If not, seems like the best I’ve heard of and would like to know the name of the plan also.

😁
Joseph ****
@Don *****
I'm pretty sure you are correct.
David **********
@Steve ****
$3 a month pre paid that keeps the number alive. It also allows you to receive text while roaming. I maintain extra money in the account so I never run out of service. I have no idea what plan it is but I’ve had it more than 2 decades.
Badis *******
Try textnow it offers free texting and calling through an app, free phone number for communication over Wi-Fi or cellular data
Iris ***********
Before you come over go to your places that need 2 step ID and change to email ID tell them what and why you are doing this.
Rod ********
@Iris **********
sadly my company DL ONLY uses TEXT to PING authorization code
Iris ***********
Jeffrey ************
Keep a US contract and use a dual sim phone...
Vinson *******
@Jeffrey ***********
roaming is crazy expensive with a north American cell package
Jeffrey ************
@Vinson ******
Turn roaming off. Texts still come through.
Richard ********
@Jeffrey ***********
Interesting... and they dont hit you with a daily charge? I'm w/ATT and it's now $12/day if I roam international outside of N & S America.
Peg **********************
@Richard *******
no but make sure all capabilities to auto switch to roam are off. They want you to switch so they can ding that daily rate. My son lives in Scotland and we’re with Verizon. We’ve learned he needs to call Verizon periodically and make sure they’ve manually removed him from the international roaming plan. With a lot of vigilance we’ve eliminated these charges popping up or if they do we call Verizon (text cust service) and fight them. Imagine it would be the same with Att
Debbie ***********
We downgraded our plans to a minimum and got a Thai sim too. The plans here are inexpensive compared to Canada
Ben ********
I use 2 phones, put a Thai sim in one and then buy a global roaming pack on my normal sim from my provider

When I run out of data on my normal phone I just hotspot from the thai sim
Brandon ************
There are a few options. Some people use Google Voice BUT there are some banks/companies/services that can recognize that it is a "virtual" number and will not allow you to use that number for 2FA/OTP.

I've seen people say they use a Skype subscription for this, but I have no information about that.

You could also look at something like Google Fi. The bare minimum package does not cost much, and it works everywhere in the world. You can just use no data and only pay monthly to be able to receive 2FA/OTP. Another benefit is GoogleFi is that if you decide to travel in SE Asia or elsewhere, you can use it for data in almost every country in the world rather than try to worry about getting a local sim. Something possible to look into.

If I didn't split my time between the US and Thailand so I keep my Tmobile account, I would be using Google Fi.
Joren ******
@Brandon ***********
unfortunately Google Fi gives you trouble if you're out of the states too long (6 months or something.)

Transferring my cell number to Google voice after 2fa was already set up has mostly worked for me for about 2 years now, but yeah, often times it's regretted if I try to add it as a new number
Brian *******
@Joren *****
its shorter than 6 months.. you have to use your phone more in america on google fi..
Erik **********
@Brian ******
I'm not sure that true. I used it for 3 years abroad. However, i did not use data. The terms of service say they reserve the right to cut your data, but the phone number still worked.
Brian *******
@Erik *********
it was true for me which is why i posted it. and google fi has changed recently maybe you used it many moons ago? my expirence was last year..
Erik **********
@Brian ******
That's interesting. What did they do just cut it off or send a warning? 🤔. I used it up until 2023. Haven't used yet in 2024 (internationally) although when I chatted with them they said NO problem (except for the data).
Brian *******
@Erik *********
cut it off. started with the data only sims then my phone.. they said data would never be problem.. its probably because they are only using tmobile now and not us cellular or sprint towers
Brandon ************
@Joren *****
it's my understanding that yes, that's the case if you're actually using the plan for data. But if you're not using data and just using it to receive texts, they won't care since you're not causing them any expense.
Michael ********
Your phone take e sim ?

Get Thai e sim if it does
Ralph *******
@Michael *******
That doesn’t help with the US number.
Jared *********
@Ralph ******
yes it does. Keep the US sim installed, add the esim, then choose the esim as the primary sim.

This is what I do and am able to receive texts and calls from USA and use the Thai esim for data on a daily basis. No need to buy a second phone, swap sim cards or any of that mess.

The prerequisite is that the phone must be unlocked and it needs to be a recent phone that allows either sim+esim or multiple esims.
Ralph *******
@Jared ********
Yes. Mine isn’t dual sim and doesn’t support eSim. It’s a real pain when travelling.
Jared *********
@Ralph ******
an old phone then?
Ralph *******
@Jared ********
Yes. iPhone X, about 6 years old.
Gabriel ********
I just pay for my USA number and SIM card and exchange it for my Thai one when I have to do 2-factor…it’s inefficient but I don’t think there’s a workaround
Ralph *******
@Gabriel *******
My phone company charges $8 a day for global roaming. So, that’s $8 every time I need to use it for authentication. I think it’s too much.
Gabriel ********
@Ralph ******
I use T-Mobile and it’s included in my plan so np
Ralph *******
@Gabriel *******
I don’t have that option, sadly.
John ********
@Gabriel *******
most modern phones support an eSIM and physical SIM. I don’t swap
Gabriel ********
@John *******
I have iPhone 14 so that’s all I can speak for
Erik *******
@Gabriel *******
an iPhone 14 should have eSIM capability my iPhone 13 does and according to Google it goes all the way back to the 11
Gabriel ********
@Erik ******
I bought mine in bkk and it’s physical sim only
John ********
@Gabriel *******
no it’s not. It also supports eSIM. Go to settings—>cellular and then you will see your sims and you can add ‘esim’
Allan ******
@John *******
I read that only North American ones are eSIM and Chinese ones are SIM card only. Could be a Chinese one on that side of the world. That’s iphone14
John ********
@Allan *****
Chinese and HK models are different than the Thai one. If purchased in BKK and it’s not a grey market import then it supports the eSIM.

US model only supports eSIM as it doesn’t have a physical slot
Allan ******
@John *******
well, if it’s actually an iphone14 and it has a place for a sim card, I’d have to think it was a Chinese model, or not an iphone14. 🤷‍♂️
John ********
@Allan *****
the Thailand models have SIM card slots. The only ones that don’t are the USA models.
Allan ******
@Gabriel *******
the ones in North America are eSIM only, but in China, and guessing Thailand, they are SIM card only. I believe this just started with the 14.
John ********
@Gabriel *******
you can get a Thai eSIM and keep your home country physical sim in your phone. They can both be active and no switching. You set one sim as the primary for calls and can override it when making a call
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