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Most of the banks I've dealt with in Europe deliver them as push notifications, and I just tell my phone to summarise them and deliver them silently. So whenever I check my phone anyway, I see that there's been some transaction, but they'll never interrupt me.

Definitely not every bank offers this (looking at my small credit union) but most do and it's great! I just wish it would let me know when restaurants add the tip on.

iOS Do Not Disturb mode from 10pm-7am changed my life. I used to hate getting those 3am notifications on my Android.

Most of my cards offer an email notification option rather than SMS or in-app. Much less intrusive.

I hate to be that person:

Limit interruptions with Do Not Disturb on Android: https://support.google.com/android/answer/9069335?hl=en

There is DnD Android too. Search for it in settings. Usually you can set customisable periods too