After a friend got the bank card, he opened the SMS transfer service, but it was not his own mobile phone number. If something goes wrong, will it constitute a crime?

No, you need to provide your ID card at the counter to open this business. In other words, the account is your own, the money is your own, and the mobile phone number is filled in by yourself. Which mobile phone do you like to use to transfer money is your business, as long as you can receive text messages. In short, money is transferred in and out of your account, but the deducted monthly service fee is deducted from the designated mobile phone, so it is easy to cause customer complaints by using someone else's mobile phone.