The other party used Alipay to transfer money to my bank card, and the mobile phone received a SMS reminder, but because of the delay,

Did a friend transfer it? What is a transfer? When Alipay transfers money, you will be asked to fill in the mobile phone number of the notice of receipt. Can inform you whether to transfer money to your bank card.

In addition, if it is a short message sent by the bank, you can check your own billing records on the webpage, and then you can also check the money through the transaction records. If not, it probably hasn't been transferred to you. I just filled in your phone number when I transferred the money.