在国外使用银行 App：需要提前准备什么

Yes, provided every account you plan to use has moved to in-app or authenticator verification. If any of them still sends codes only by SMS, disabling the line completely locks you out of that one. The safer arrangement is to leave the line enabled with its data and data roaming switched off, and take your data from the eSIM instead.

Use the contact route you saved before travelling rather than a number or link from search results, which is a place fraudsters wait. Have the identity details you prepared to hand, and resist logging in repeatedly while you wait, since that only makes the pattern look more irregular.

Usually either the VPN is set to reconnect automatically, or an ad blocker or content filter is running through a VPN profile on the device without you having switched it on. Look in the phone's network or VPN settings and disable any profile still active. Menu names vary by manufacturer and OS version.

If the bank provides a way to register travel dates, doing so can reduce the chance of a transaction being held. Many banks have dropped the practice and rely on behavioural analysis instead, so it should not be your only preparation. Setting up verification that does not depend on SMS remains the more dependable step.

Most travel plans are data-only, so there is no number to receive SMS on, and even where a plan does include one, your bank still sends codes to the number registered with it. The workable plan is therefore to keep the home line available for messages, or to move to in-app verification. What each plan includes is stated on that plan's own page.

Usually not, since travel plans are typically data-only. Keep the home SIM enabled for SMS with its data switched off.

Contact the bank through the details you saved and be ready to verify your identity. Using a VPN to appear at home is not something we advise.