I dropped my mobile phone, and others found it. Can I use SMS verification to transfer all the money in my Alipay and bank card?

The situation you mentioned may happen. Therefore, after the mobile phone is lost, you should call the mobile company at the first time and ask for freezing the mobile phone number. Then you should call the Alipay official and ask to freeze your Alipay account. Then you have to call the WeChat official and ask to freeze your WeChat account. These have been done, and Alipay and WeChat payment will be safe. You can also find another mobile phone, log in to your Alipay and freeze your account. There is also a button on the WeChat interface to freeze your account.