Are the messages including OTP sent to a mobile phone addressed to the SIM card or the phone number?

If I decide to have a new phone number and the old phone number is allotted to a new customer, the bank may send the OTP to the same old number even if I have the SIM.

So is OTP or messages sent to the SIM? Are text messages specific to SIM or specific to phone number?


2 Answers 2


SMS messages are always sent to a phone number. If you don't have access to the phone number registered for 2 factor authentication at some provider, let them know immediately so they can remove the number.


They are specific to the phone number. Before you change your phone number (SIM) you should first disable 2FA and re-enable it with the new number.

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