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.
1. First-Time Transfers To A New External Account
Adding a new linked bank account is one of the most common takeover moves, so banks treat it as high risk. Even if the transfer amount is small, the “new destination” factor can trigger extra verification like a one-time code, a call, or a short waiting period. Some banks also require micro-deposit confirmation before they allow full transfers. That delay feels annoying when you’re simply moving money between your own accounts. If you want fewer interruptions, link accounts ahead of time and keep your contact info current so verification steps don’t stall out.
2. Transfers That Break Your Normal Pattern
Banks build a behavior profile based on your history, and the moment you do something “off-script,” you can get flagged. This includes larger-than-usual amounts, transfers at unusual times, or multiple transfers in a short window. The system doesn’t know you’re paying a contractor or moving money for a trip, it just sees an outlier. That’s when extra verification pops up, sometimes as a temporary hold while the bank “reviews” the request. A simple workaround is to make large moves in smaller planned steps or schedule them during normal business hours when support is easier to reach.
3. Person-To-Person Payments To New Recipients
Zelle-style transfers and other P2P payments are convenient, but they’re a favorite channel for scammers because the money can be hard to recover. Banks often trigger extra verification when you send to a new recipient, especially if the name, phone number, or email doesn’t match what the bank expects. Even a legit new babysitter or service provider can look suspicious on the first payment. Some apps also prompt you to re-confirm the recipient details to reduce “oops, wrong person” mistakes. To reduce delays, add recipients early and send a tiny test payment before you need to send a large amount.
4. International Transfers And “Cross-Border” Activity
International wires and cross-border payments are high-risk from a compliance standpoint, so banks use stronger checks. Even if you’ve sent money abroad before, a new country, a new bank, or a different currency can trigger extra verification. You might see identity prompts, questions about purpose, or additional review time before funds leave. This can also happen if you’re traveling and initiating transfers from a new location or device. If you know you’ll need cross-border payments, set them up in advance and keep a backup method ready in case one channel gets delayed.
5. Transfers Triggered By A New Device Or Fresh Login
A new phone, a browser update, or a fresh app install can make your bank treat you like a stranger. Even if you enter the right password, risk systems may require extra verification before letting you move money. This shows up a lot after phone upgrades, number changes, or when you’re using a public Wi-Fi network. Some banks will allow viewing balances but block transfers until you re-verify your identity. The easiest prevention is to update devices and authentication methods when you’re not in a hurry, and keep a backup verification option enabled.
The Transfer Checklist That Keeps You Moving
Security friction is frustrating, but it’s easier to manage when you plan for it. Link new accounts and add recipients before you need them, and keep your email, phone number, and recovery methods up to date. When you expect a big transfer, do it earlier than you think you need to, because delays often show up at the worst possible moment. Use test payments for new recipients and avoid last-minute transfers on brand-new devices. Extra verification isn’t going away, but with a little setup, it won’t control your schedule or your stress.
Which transfer gets held up most often for you—new recipients, large amounts, or transfers from a new device?
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