On Saturday, someone else transferred money to me online, saying it would arrive on Monday. Why didn't the mobile phone receive the text message, or the money arrived at the bank on Monday?

Usually, there are two situations when a mobile phone receives a text message: one is that the remittance bank informs you how much money someone wants to remit to you at a certain time. This is an optional service for remittance. If the remitter doesn't choose, he won't send it (because the bank doesn't know your phone number); The other is that the receiving bank notifies you by SMS, which requires you to handle related business in advance, and sometimes it will cost you money, and you will be notified when the money arrives.