it depends. use a silent.link esim. it's a real overseas number. i recommend keeping two around. it's inbound only. perfect for 2fa.

jmp.chat is another option. it's a privacy respecting jabber number, it might not fly with bank 2fa but it works for lots of 2fa. it's inbound and outbound and data so great for daily use.

whatever you do, make sure if it's an important account that you keep this burner number available and up to date, if not you could get locked out of your data.