[iruoy]

The only text messages I get from my bank are descriptive confirmations of actions I did. At the end of every message it says to contact them by phone if you don't recognise the action.

My bank uses a scanner to authorize pretty much all actions. It scans some sort of RGB QR code [0]. When scanned you'll see the IBAN you're sending the money to and the amount you're sending. I think that when the IBAN is in your contacts it shows the name instead of the IBAN.

But most importantly it shows a descriptive message of what action you're verifying. I think the only actions that don't require the scanner are small transactions through their app and marking your card as broken/stolen in the app.

[0] https://www.rabobank.nl/images/how_does_the_rabo_scanner_wor...