I always had problems with SMS until I got Google Fi. And that's a problem because, as the article here says, many banks insist on SMS these days. There are various services that give you a virtual number. But they always suffer from one of two problems: (1) VOIP numbers are 'blacklisted' by some banks for security reasons: they want a real cell phone number (2) I simply don't get SMSs in some cases some technical reason
Google Fi works everywhere. Even when there is no cell phone service: it will tunnel over WiFi.
Google shuts off the data on Fi after you've been outside the USA for a month. No problem, I'm happy to pay $25 a month for a 'dataless' connection that gives me SMS and voice.