SMS though provides a higher level of security. Some hacker anywhere on the planet could have accessed my email and passwords but they can&#x27;t get a code sent to my phone unless they are nearby and have got hold of the phone. I&#x27;m not sure it being plain text and monitored matters much as all that&#x27;s bring sent is a random number usually. I&#x27;ll admit it could cost more and so may not be the thing for sites with lots of free users. If you can&#x27;t get sms some sites will phone you with a recorded message.