[GaelFG]

(Probably, why take risk) Can't tell the bank name (but yeah, in the top 4 by size) and not trying to defend your bank but the SMS validation thing is actually on the state 'fault' and you are in fact legally covered in most cases, I don't have the legal text on hand but by typing in google : https://www.moneyvox.fr/banque/actualites/77237/fraude-sur-c... Look for Code SMS and you have a link to the european reglementation. I assume one of the reason is that in fact in case of phishing wire transfert are heavily monitored and reversible. Without giving technical details, in fact 'a lot of peoples' have actually large right to move sums of money around. The trick is that's it reviewed and reversible for days.