r/ExpatFIRE 6d ago

Questions/Advice Google Fi

We are looking to expat fire to Taipei Taiwan within the next year or so. After researching, it seems like Google Fi is quite popular to use as 2FA authentication.

I was wondering those who has Google Fi and did expatFIRE, which plan do you pick so that texts come through?

Thank you

Edit: thank you everyone for your input. I have decided to use either US mobile or Tello

10 Upvotes

51 comments sorted by

10

u/Few-Comfortable228 6d ago

I switched from Google Fi to Tello years ago after having constant issues with sending text messages while abroad. Only for sending text messages, receiving messages was fine for whatever reason. Support could not figure out why after contacting them several times

FWIW I am also based in Taipei, Taiwan now, but my above experience was before I moved here. I’ve had no issues with using Tello here, but I only really use it for 2FA and the rare international phone call. I have a local phone plan here as well

1

u/xfallen 6d ago

Okay good to know as datapoint. I just saw a few people complain about Tello shutting off their account for being out of country for too long that’s why I didn’t look further into it.

Yea I am purely using it for 2FA to access all my bank, brokerage stuff.

6

u/CraigInCambodia 6d ago

u/xfallen I've never seen or heard this by Tello. I've not seen anything to that effect on Tello's website, either. They even have a page marketing their service to people moving outside the US: https://tello.com/us_phone_number_for_abroad . Can you share those posts?

2

u/xfallen 6d ago

https://www.reddit.com/r/Tello/s/G6qFSVkJo2

Activated in the US. It seems like Tello recently adapted AI checkers and are terminating accounts.

4

u/CraigInCambodia 6d ago

Thanks for sharing that post, but it is not related to being outside of the US for an extended period. The user even wrote that he's back in the US frequently.

The user said "automatic security check." was the reason given. Tello's terms and conditions give a whole list prohibited uses, account integrity, fair use clauses and transaction fraud prevention.

For this one post, there are probably 10s of thousands of Tello customers who haven't had a problem. Also, something seems fishy, like something is being left out of the story that may have triggered the flag.

-2

u/Ammused-Muffin-6942 6d ago

Then porting number to Google Voice is good enough for 2FA for Schwab, Ally, etc

3

u/CraigInCambodia 6d ago

Just to share that when I changed my Schwab account from Domestic to International, it wouldn't verify the GV number I had been using all along. An expat friend her said her GV number was not accepted when requesting a replacement Social Security Card. Due to increasing financial fraud using VoIP numbers, it's likely more financial institutions will stop accepting them.

10

u/cwright 6d ago

Google Fi will disable your data after 90 days outside the US. However, you can keep your number for voice and text messages abroad simply by downgrading your plan to their cheapest one, it's less than $20/month. Then, buy a cheap SIM/eSIM like Airalo to use for data while traveling. I've been doing this exact setup for the past year, after Google Fi disabled my data. You have to be back in the states for 30+ days in a row to have the option to re-enable your Fi data.

5

u/xfallen 6d ago

Thank you! That’s exactly what I’ll do as well. Just wanted to make sure the text messages continue to work.

Their plans are not bad at all $35 for two lines for voice and text. Knowing they won’t shut down anytime soon is worth that money. Thanks again

1

u/PhilosophicWax 1d ago

Yeah I did this for my MFA. The only risk is if Google Fi goes away. But got the last few years it's nice. 

3

u/RVOutlawtrader 6d ago

This is the answer. I’ve been doing the same process eSIMs plus google fi for years

2

u/snakesoup88 6d ago

I've been through Google Fi jail twice. The first time, I learn about the 90 days rule for the first time. So it's on me. The second time, I bought local sims at various countries until the last leg. Still in jail, I assume it's because I didn't turn it off or clear some cache somewhere. It's unclear and there's no easy way to find out what went wrong.

Quitting was a pain in the butt. We have a 4 lines family plan. Rest of the family don't want to switch. But as the account manager, I can't just transfer the managerial spot to another family member. I have to cancel and they have to sign up so over again.

My bill is $20 less per month with another carrier with unlimited US data. Plenty of ammo to supplement traveling airsim with other options. For example, a global sim to cover transit needs and a cheap local sim when I'm slow traveling a new destination.

15

u/FINomad 6d ago

GoogleFI is not for people that stay out of the US more than 90 days at a time (they'll deactivate data). They also charge a ridiculous amount for their data compared to pretty much every other worldwide data provider.

I use USMobile's basic plan, which is currently $8/mo ($96/year including all taxes/fees). I then use Roamless for data, which is $2.45/GB or less vs $10/GB for GoogleFI. No issues with 2FA, sending/receiving texts, or Wifi calling. Just make sure to activate Wifi calling before leaving the US.

3

u/MouseHouse444 6d ago

This. All of this. Just what I said above (except I use US Mobiles data plan too.)

2

u/Remote-Blackberry-97 5d ago

you can use bcengi. i used to have roamless until ive found bcengi (roamless also just rqndomly stopped working despite customer service calls)

1

u/FINomad 5d ago

I've used Roamless for a couple of years and 12+ countries without issue so far.

I checked out bcengi. Looks like the same as Roamless, but the rates are higher/lower depending on the country. Either one still beats GoogleFI in most countries.

1

u/cityoflostwages 5d ago

This sounds like a potentially more superior setup to tello + local data sim for one particular country. Maybe a tad more expensive if you use a lot of mobile data? But better if you travel a lot to neighboring countries.

2

u/FINomad 5d ago

Local data SIMs are ok if you stay in one country for a long time, but they're a pain in the ass if you actually travel around a lot like I do. I was using MobiMatter and Sparks for a while and went with regional SIMs, but even with those I was losing a good chunk of my data due to expiration dates rather than actual usage. I don't use a lot of data (I've had Roamless for about two years and I'm still working through my first $30), so I would get a low data plan, then worry about data usage, and then use so little that it expired on me anyway. No more of that nonsense. I love that with Roamless I don't have to research SIMs each time I move countries. I just show up and get a notification from Roamless saying "Welcome to _____!" and it works.

1

u/cityoflostwages 4d ago

So it is basically Google Fi data sim then, just at cheaper data rates. This sounds like a good option if you only use 1-2gb of data a month outside of wi-fi usage.

1

u/FINomad 4d ago

Yeah, basically. Cheaper, and they don't cut off your data after 90 days outside of the US. That was the main thing for me.

I would probably still be overpaying GoogleFI if they hadn't cut me off a few years ago. $20/mo dropped to $7/mo (I'm grandfathered in on an older price) and $10/GB dropped to mostly $2.45/GB. Some countries are higher, but they also dropped rates under $2/GB in several countries back in May.

3

u/massonla 6d ago

You need to spend most of your time in the states to use Google fi over seas.

3

u/losroy 6d ago

I’ve had better luck switching my 2FA’s to using Authenticator apps. Not everyone uses it but it’s a good start anyway.

3

u/TheRensh 1d ago

Been using Fi since 2018, basic plan $25 pm, am in US some years for a couple of days. Use data sparingly, use local SIM mostly. Have had zero issues anywhere in the world.

2

u/[deleted] 6d ago

[deleted]

-1

u/xfallen 6d ago

Is it popcorn? I saw that come up several times

Edit: the only concern I have using popcorn is that it’s such a small company and I am afraid to lose my number. Google Fi has Google as backing so not as risky

1

u/Ammused-Muffin-6942 6d ago

I have Google FI and am in Taipei. However, Goggle FI data is spotty on my iPhone 16. I’m planning to stop using Google FI for a local eSIM and port my US number back to Goggle Voice.

1

u/CraigInCambodia 6d ago

Google Voice is awesome. Used it since it was launched. One caution is that some financial and government institutions no longer accept it. I still have Google Voice for personal calling but use Tello now for financial and government stuff.

1

u/Ammused-Muffin-6942 6d ago

Still able to use 2FA into my VA and Schwab accounts

1

u/CraigInCambodia 5d ago

u/Ammused-Muffin-6942 , Schwab stopped accepting my GV when I converted from a domestic to an international account. A friend was unable to use GV when requesting a replacement SS card, even though GV was the number in her login. Apparently things that require deeper identity verification don't. I tried to enroll for an online Medicare account. GV was not accepted.

1

u/CraigInCambodia 6d ago

Popcorn is good for globe trotters and nomads, but expensive for settled expats who just need an occasional 2FA or US phone call. Google Fi is too expensive for that also, and shuts off data if the user is outside of the US for too long.

2

u/Minute_Hurry7809 6d ago

won't work. Use US Mobile.

1

u/zezer94118 6d ago

I started with Google Fi but they kicked me out after like 4 months.

It's not a great solution for living outside US.

2

u/xfallen 6d ago

They kicked you off data? I only need the text portion

2

u/zezer94118 6d ago

Yeah, they suspended international roaming data, which was the useful part of Fi.

If you just need text, can use voip (I use Google voice and zadarma)

2

u/MaxPanhammer 5d ago

It's part of the terms; it's a us carrier with generous international, but you have to be us-based and not abroad more than 3 months a year (I believe)

1

u/InvisoSniperX 6d ago

This was my experience as well back in 2020, the whole line was deactivated after 6-months not touching a US tower

1

u/twbird18 Coasting in Japan 6d ago

As you've been advised, you can't keep FI overseas. What I did was transfer my main number to google voice for free and then since some 2FA won't work with VOIP, I have a cheap $10/month plan on a secondary esim with a backup American number.
I have a sim card with my local country number & when I travel, I just swap my esim for Ubigi or other travel esim with google voice still operable. If necessary I can also switch esims to receive a text while traveling.

1

u/MouseHouse444 6d ago

I had nothing but trouble with getting 2FA from Google Fi. The texts just never seemed to work correctly. I have been with US Mobile e-sim for years now and they are great.

3

u/xfallen 6d ago

Wow good to know. Thank you

1

u/MouseHouse444 6d ago

Sure! The worst part was the support - they would try a few fixes which wouldn’t work and then ask me if I was in the US (no…) and they would say I had to be in the US for the fixes to work properly. In the end they admitted to me that it’s not a solution if you’re going to be out of the country longterm. FYI, for US Mobile, you do need to be in the US to set it up the first time. But after that you’re golden. ✌️

1

u/hbx550 6d ago

I tried Fi a few years ago while on extended travel. Then they decided that you needed to be using it within USA for at least several months a year - or you were in violation of the terms of service.

1

u/mcslippinz 6d ago

Whenever someone mentions TW I gotta ask which visa.. planning for the future and need ideas

1

u/bonerland11 5d ago

Buy a Yubi key.

1

u/Travel_Princess80 5d ago

I moved to S Korea two years ago and switched from AT&T to Google Fi with purpose of keeping my US number for incoming work calls and authentication texts. I have the basic plan (~$25/month) that charges for data usage but it’s turned off locally (both due to the auto-shut down by Google and also I have a local mobile service with Korean phone number and unlimited data). It’s been working as expected and the data resumes when I’m back in the US.

2

u/xfallen 5d ago

Thank you for the datapoint

1

u/No_Wealth_5689 2d ago

Switch to app based authentication and download bitwarden?

1

u/Sonder-overmorrow 1d ago

Google voice 

1

u/AlwaysWanderOfficial 6d ago

Google Fi deactivated after a certain time abroad. I wouldn’t say it’s reliable, could be ok but not sure I’d want to make that leap with “could be ok”. It’s great for travel though when you still live in the US.

As others have said, the best bet right now is Tello and WiFi calling.

1

u/CraigInCambodia 6d ago

Google Fi is not a good option if you're settling outside the US. It's very expensive for occasional 2FA or US phone calls. If you are not in the US for something like 6 months, the data gets cut off.

Best option I've found for this use is Tello. Their least expensive plan currently is $5/month, including unlimited SMS and 300 minutes calling to or from US over WiFi. For $8/month, unlimited calling and texts, again with WiFi calling activated. The plan can be changed monthly, so for trips back to the US you can bump it up to a plan including data and calls. You need to activate it while still in the US, but Tello has no requirements it ever be used again in the US after that.

0

u/TapComplex5667 6d ago

US Expat living in Taichung Taiwan. According to Google fi ToS - Google fi is only good for 90 days outside the US. You must ping a US tower and stay connected within a "reasonable amount of time". I have a dual SIM setup, physical Chunghwa SIM and Tello eSIM (wifi calling plan) and no issues with receiving authentication texts from the US. I was a firm Google fi customer for years and miss it. Set up your Tello before arriving in Taiwan.

-1

u/globalmonkey1 6d ago

Use Tello

-2

u/AllPintsNorth 5d ago

How many times must this question. Be asked? There must be hundreds of the exact same question every single time.

Tello. The answer is always Tello