Does voip.ms work with 2FA services e.g. those used by banks? I have heard it doesn't and that's a dealbreaker for me.
I now have a Tello eSIM ($5/mo) that I use just for the 3-4 services that don't support voip.ms. And only turn it on when I need it.
I was trying to use Tello but despite supposedly activating the esim in my supposedly supported phone (6a), it reuses to do anything. I've just switched to tossble digits which a) works for me, and b) is much cheaper!