I’ve had Capital One (CC & savings) for about 7 or 8 years while living in Thailand with no problems. I have found that I rarely require an OTP when logging in via the website (not app). When OTP is required, I use Mint (now part of T-Mobile) roaming which I was able to activate while in Thailand and also works great when in USA. You can link your Cap One account to an external bank or brokerage account if you need to transfer money. You can do it all from Thailand if you have a PC/laptop.