When transferring money, Bank of Communications only has SMS authentication, but no key authentication.

There is only SMS authentication when transferring money, and there is no key authentication. According to the relevant information inquired, the Bluetooth key is not needed for bank transfer, which mainly depends on the transfer amount or the set transfer verification method. A single transfer of less than 50,000 yuan can only use SMS verification code, so only SMS authentication does not authenticate Bank of Communications.