I’ve moved most of my day-to-day banking to Citibank Singapore, Citibank US, Australia etc.

Local Singapore banks have authentication tokens that I bring with me on travel. So I don’t really need my cellphone to authenticate.

I’ve moved most of my day-to-day banking to Citibank Singapore, Citibank US, Australia etc. They work well together for global citizens. And they accept US cell phone numbers.

Local Singapore banks have authentication tokens that I bring with me on travel. So I don’t really need my cellphone to authenticate.