Is this the harbinger of the transition from Cembra to Migros Bank? - This would make seamless control more difficult... The Cumulus Mastercard was previously debited for all purchases in 2 steps: 1) Reservation = immediately and 2) Booking = in 2 days. With " Your SMS code +6-digit number " you could therefore check the correct reservation in the Cembra app immediately after the purchase and thus also had control over the subsequent correct booking. Unfortunately, this immediate reservation for the Cumulus Mastercard has no longer been made immediately for Migros purchases for 3 days (but it is for Coop purchases)... If this were the case, the Cumulus Mastercard would be "dead" for me.