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SoFi card travel transaction failures

💸 moneyproduct problemSingle report ●●●●● severity 4/5

A SoFi user reports that the bank's 'smart detection' for international travel frequently declines legitimate transactions and requires SMS-based verification that is inaccessible to users relying on international eSIMs without US text capabilities.

Who's affected: SoFi banking customers traveling internationally who use eSIMs or lack access to US-based SMS verification.

⚠️ Single report. This is one person's account. We mark it so until more voices confirm it.

What people do today

🔧 Fix this

Ideas a builder, maker or community group could start on:

  1. A travel-mode toggle in the banking app that allows users to pre-authorize international transactions for a set duration.
  2. An in-app verification feature that uses push notifications or biometric authentication instead of SMS for transaction approval.
  3. A dedicated international support channel for banking customers that bypasses standard AI chatbots.
I want to build this

Real voices

“Your card will be declined after every purchase, and you need to confirm over text that it was you before you try again.”

Source: App Store review: sofi

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