Last time I reasearched it, 3 years ago, I chose Google Fi. To optimize it I bought a Google Pixel 3A phone for $350, at that time. I've been entirely pleased with Google Fi and the Pixel 3A especially the camera. I get sms codes wherever I am. Wherever I travel I instantly get a good phone connection via a local phone service. When I land, as we are taxi-ing, I can check my messages.Which services let you receive those SMS messages from banks? Google Voice doesn’t?
As I recall Google Fi uses TMobile's network.
BUT - all US banks and phone services are required to only provide services to people living in the US. So, prior to the pandemic at least, Google Fi, TMobile, et al, would cancel your service if they detect that you are living outside the US. It's not known how they determine this so I only turn on Google Fi to receive SMS codes and when I'm in the US. I'm happy using the phone with wifi, to take photos, etc. I have another inexpensive phone for local calls.
There were some reddit threads on the subjects of sms codes, reddit.