Hi Gerry,
We are in the same position. My mobile is on a pre paid plan with NO international roaming, but, since arriving back here in the UK, those codes from the bank are still coming through, and other texts as well.
As for transferring some funds, we use OFX and I set them up in my list of BPAY recipients before we left Australia, so I can do regular transfers / payments here in the UK without the need for a code.
The network token Marisa talks about is a great idea, but that was not an option with my Australian bank.
Good luck with your move.