海外如何收國内銀行的驗證碼- How to Receive Verification Code from China Bank in Overseas Countries

人在海外，如果你在中國大陸還有銀行賬戶，還在使用中國大陸銀行的信用卡/借記卡，你必須有一個能接受中國大陸銀行的國内手機號碼。中國大陸的銀行賬戶必須要留有手機號碼，中國大陸之外的手機號碼不被接受。
 
最直接的辦法，是使用一個已經開通國際漫游的手機，但國内與海外有時差，你是夜裏對方是白天。但是，國際漫游必須隨時開著機，不然就可能漏接銀行來電。加上還有各種各樣的推銷和咋騙電話，半夜被吵醒不是可能，而是一定會的。況且，中國大陸手機的國際漫游的費用昂貴，所有的中國大陸銀行都喜歡發短信營銷，收短信是免費的，也有一些銀行喜歡打電話營銷，你提出不要再打來也沒有用的，因爲打電話的人管不了這事。這些來電都會產生高昂的費用。最後，你長期開著國際漫游，國内也對你的每天去哪裏等許多隱私瞭如指掌，可以知道你的很多信息。
 
最佳的辦法，是使用中國移動的號碼，開通國際漫游，用一個每月8元人民幣的保號套餐。在蘋果應用商店下一個“無憂行”，這是一個原來香港中國移動搞得應用，後來被轉移給了囯内的中國移動。“無憂行”在各國的蘋果商店都能找到，直接用漢字搜索就可以。注冊“無憂行”必須在中國大陸之外，短信驗證。注冊好以後，“無憂行”就能實時接收這個中國移動號碼的短信和來電，相當於這個中國移動的號碼被轉移到這個“無憂行”。接收短信和接聽來電是免費的，在國外跟在中國大陸一樣。不能發短信，但是可以打電話，不是免費的，要另外繳費。
 
“無憂行”本身是在互聯網上運行的，用Wi-FI或者手機流量都可以。只能在中國大陸境外使用，回到中國大陸就會自動斷開。“無憂行”可以設置允許來電的時間段。關機後，開手機就能看到短信和未接來電。第一次注冊以後，就可以把中國移動的SIM卡從手機裏拔出來，以後都不用插SIM卡了。
 
“無憂行”也會泄露一些手機的信息，但蘋果手機的IOS系統保護隱私做得比較好，“無憂行”的很多權限可以限制，比如位置等等。比直接用手機國際漫游好太多。


 


 
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If you are overseas and still have a bank account in Mainland China and are using a credit/debit card from a Mainland China bank, you must have a domestic mobile phone number that accepts Mainland China banks. A mobile phone number is required for a Mainland China bank account. Mobile phone numbers outside Mainland China are not accepted.
 
The most direct way is to use a mobile phone with international roaming, but there is a time difference between home and abroad, so it's night for you and day for the other side. However, international roaming requires you to keep your phone switched on at all times, otherwise you may miss calls from your bank. There are also all sorts of marketing and scam calls, so you may not get woken up in the middle of the night, but you will. In addition, international roaming charges for mobile phones in mainland China are expensive, all banks in mainland China like to send SMS marketing, receiving SMS is free, there are some banks like to call marketing, you ask not to call again, but also useless, because the person who calls can not control this matter. These calls can be expensive. Finally, if you are roaming internationally for a long time, your country knows a lot of information about you, such as where you go every day and a lot of other private information.
 
The best way is to use a China Mobile number, activate international roaming and use a RMB 8 per month guaranteed number package. From the Apple App Store, you can download "Worry-Free", an application originally developed by China Mobile in Hong Kong, but later transferred to China Mobile in China. "Worry-Free" can be found in the Apple Store in different countries, just search for Chinese characters. Registration for Worry-Free must be done outside mainland China and verified by SMS. Once registered, Worry-Free Banking will be able to receive real-time SMS and incoming calls from this China Mobile number, which is equivalent to transferring this China Mobile number to Worry-Free Banking. Receiving SMS and incoming calls is free, just like in mainland China. You can't send SMS, but you can make calls, which are not free and have to be paid for separately.
 
"Worry-Free itself runs on the internet and can be used with Wi-Fi or mobile phone traffic. It can only be used outside mainland China and will automatically disconnect when you return to mainland China. "Worry-Free" can be set to allow the time period for incoming calls. After turning off your phone, you can view the SMS and missed calls when you turn on your phone. After the initial registration, you can remove the China Mobile SIM card from the phone and you don't need to insert the SIM card in the future.
 
"Worry-free line" will also leak some of the phone's information, but Apple's IOS system to protect privacy to do a better job, "Worry-free line" of many permissions can be restricted, such as location and so on. It's much better than international roaming directly from your phone.
 
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