How to enter the Internet bank if the SIM card does not plow in the current country?

Question

Internet banking

Let's say I'm traveling through godforsaken countries. And the usual ones too. In which my SIM card, tied to the bank, does not work. There are a lot of countries in which the SIM cards of other countries simply do not connect to the network - yes.
To log into the Internet bank from, for example, Tinkoff, I need to enter OTP, which is sent via sms. Only. They have no other way at all. And the result is a picture of Repin - how to enter something? Run to buy a SIM card, then call their hotline in the Russian Federation, spending money on international communications, code word, year of birth, then change the number ... And then, in a week in another country, it turns out that the SIM card from the previous country does not work there? And so in a circle?
Installing an application from a bank is not an option. Maybe I don't have Android or iOS.
Who solves such a problem?in particular with Tinkoff's Internet bank?

Answer 1

Make your own SMS server

Answer 2

Switch the way you receive codes from sms to push notifications.