If you’ve noticed your bank suddenly asking for a code, a call-back, or a “confirm it’s really you” step for a transfer you’ve made a hundred times, you’re not alone. Banks and payment apps have tightened security because account takeovers and impersonation scams keep rising, and transfers are where the money leaves fast. The downside is friction: what used to be a two-tap routine can turn into a full mini-protocol at the exact moment you’re trying to move cash quickly. The good news is that most of these checks are predictable once you know what triggers them. Here are five routine transfers that commonly get flagged for extra verification—and how to keep them from derailing your day.
