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True, but SMS is just about as insecure as no MFA.
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Because SMS is not encrypted end-to-end it's intrinsically insecure - but it's a better system than a password people write down in a book labeled "passwords" and leave lying around, given that most people cry like babies if separated from their mobile for more than 30 seconds or 2 meters, whichever comes first ... 
At least the OTP's are short-time limited.
It's the "Something you are, Something you know, Something you have" paradigm at work.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
"Common sense is so rare these days, it should be classified as a super power" - Random T-shirt
AntiTwitter: @DalekDave is now a follower!
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Despicable. My US bank offers the options to either send an SMS or call your home phone and announce the code. My mobile lives in our vehicle in airplane mode, so I choose the latter.
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My particular bank will give me a call, where I am to punch in the code that it displayed on the webpage. But the stupid automated phone call won't accept my keypad entry because it's MagicJack.
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I don't follow. I thought your original post meant that the bank wants to send you an SMS. I believe MagicJack uses VoIP to provide voice calling. But SMS is like packet data. Trying to get an SMS on a regular phone would be kind of like trying to get a fax without a fax machine, so it's not surprising that it doesn't work.
What my bank does is make a regular voice call in which a synthesized voice announces the numbers in the code, after which I can type them into the login page.
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In the UK you CAN send an SMS to a regular landline with an ancient handset. BT (the telecom provider - although I use AdeptTelecom as my phone line provider) generate a spoken version of the text. Not sure how "readable" it is when the voice is speaking out random letters and digits, but for normal messages it's OK.
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Greg Utas wrote: I don't follow. I thought your original post meant that the bank wants to send you an SMS. I believe MagicJack uses VoIP to provide voice calling. But SMS is like packet data. Trying to get an SMS on a regular phone would be kind of like trying to get a fax without a fax machine, so it's not surprising that it doesn't work.
Via the MagicApp (via Android or iPhone), I can receive SMSs, but only from longcode (i.e., 10-digit) phone numbers. The standard Windows MagicJack app cannot do SMSs.
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don't they offer an App as a TAN-Generator?
I don't want an App for online banking, but my two banks have a "lite" version, where you only have a barcode reader that gives you the transaction summary and the pin to be introduced to confirm the order.
M.D.V. 
If something has a solution... Why do we have to worry about?. If it has no solution... For what reason do we have to worry about?
Help me to understand what I'm saying, and I'll explain it better to you
Rating helpful answers is nice, but saying thanks can be even nicer.
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A short code is an SMS number that your bank would use to communicate their text message program with you. At some point, you texted a keyword to their short code to subscribe and receive SMS (and MMS messages). Unless I'm misunderstanding, your bank should be sending the authentication code to your mobile number.
"One man's wage rise is another man's price increase." - Harold Wilson
"Fireproof doesn't mean the fire will never come. It means when the fire comes that you will be able to withstand it." - Michael Simmons
"You can easily judge the character of a man by how he treats those who can do nothing for him." - James D. Miles
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From reading explanations from a small US phone company that was doing wife-cellular voice handoff way before it was cool (initially their service only worked on Android handsets they sold because it needed major hackery at the base OS level) about why they didn't offer it for a few years after starting their service: Shortcode SMS is apparently a kludged together cluster![Elephant | [mastadon]](https://codeproject.global.ssl.fastly.net/script/Forums/Images/elephant.gif) of hacks and takes way more effort to implement than any sane person would expect.
Did you ever see history portrayed as an old man with a wise brow and pulseless heart, weighing all things in the balance of reason?
Is not rather the genius of history like an eternal, imploring maiden, full of fire, with a burning heart and flaming soul, humanly warm and humanly beautiful?
--Zachris Topelius
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sign up for a google voice number and use that for receiving the SMS code.
To err is human to really elephant it up you need a computer
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If it wasn't for bad ones, I wouldn't have any ideas. 
If you can keep your head while those about you are losing theirs, perhaps you don't understand the situation.
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and marketing saves the day...again. 
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...in the only way they can
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What does it do?
I’ve given up trying to be calm. However, I am open to feeling slightly less agitated.
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It's a food intake monitor:
First line - timestamp
2nd line - status (dining)
3rd line - SD initialized (SD == stomach device)
4th line - code for whatever he's eating
Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.
-- 6079 Smith W.
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MarkTJohnson wrote: What does it do?
Thanks for asking --- finally a chance to tell someone.
It watches temperature in any room.
You can set the room name.
You can turn on logging (to SD Card) and it will log the temp any time it changes.
The data is CSV file so you can graph rooms and times and discover how varied the temps are around your home / office.
I have now added bluetooth (and an associated android app) so you can place the devices around your home / office and then check current temps and/or retrieve the entire log file via your phone (bluetooth).
If you're reading this I'm sure you're thinking....https://i.stack.imgur.com/uuhuL.png[^]
or actually the more appropriate...https://i.stack.imgur.com/E1t36.png[^]
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So a bluetooth enabled room thermometer?
I’ve given up trying to be calm. However, I am open to feeling slightly less agitated.
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MarkTJohnson wrote: So a bluetooth enabled room thermometer?
That's it. But a little more since it logs to SD Card you can later graph your time/temps for each room and then overlay those graphs to discover hot/cold zones. Man, I'm selling it!! Right? Are you ready for the Kickstarter? Get your cryptocurrencies ready, because I'll accept all the NFTs when purchasing.
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I took the kids to the Air and Space Museum, but it was really disappointing - there was nothing there.
"I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
"Common sense is so rare these days, it should be classified as a super power" - Random T-shirt
AntiTwitter: @DalekDave is now a follower!
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I bet it was a star attraction?
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Not that it matters... but do you think the cleaning staff there have to vacuum often?
If you can't laugh at yourself - ask me and I will do it for you.
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