But I am not sure about website, maybe they have integration with the operators to check last sim change date and compare it to their last know trusted sim or check the last time your phone was audited? You need to generate one time codes in TR banks afaik.
>Numara taşıma, 4.5G veya başka nedenlerle yapılan SIM kart değişikliklerinden sonra, Garanti BBVA İnternet Bankacılığı ve Garanti BBVA Mobil’e girişte kullanılan tek kullanımlık şifreler güvenliğiniz için bloke edilmektedir.
"Due to switching to another provider, 4G, or for whatever reason if you change your SIM card your password is blocked for both the app and internet banking."
>Blokenizi kaldırmak için Garanti BBVA Şubelerine uğrayabilir ya da 444 0 333 no’lu Garanti BBVA Müşteri İletişim Merkezi’ni arayabilirsiniz.
"In order to remove the password block you will need either to visit the one of our banks or call us."
Logging to Garanti requires 2FA. You can either use your password + SMS, or your password + one time code generator, in the past there was also password + mobile sign.
In Turkey 2FA is required by law in banking. This law is in action since for, I think 5-6 years.
Also, it is easy to implement this "notify the bank if SIM has changed" because all the banks (except few state banks which are in Ankara) and mobile operators (3) are all located in Istanbul.
- https://en.wikipedia.org/wiki/SIM_card#ICCID - https://stackoverflow.com/a/38032034/1329429
But I am not sure about website, maybe they have integration with the operators to check last sim change date and compare it to their last know trusted sim or check the last time your phone was audited? You need to generate one time codes in TR banks afaik.