Do mobile networks use encryption on SMS when used for two-factor authentication?

1142670 pts.
Tags:
Authentication
Mobile
I understand that a ton of two-factor authentication mechanisms use SMS to deliver single-use passphrase to a user. But I'm looking to find out how secure it truly is. Would it be hard to intercept the SMS message containing the passphrase? Do any mobile networks use some kind of encryption on SMS? Thanks so much.
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No there’s no encryption on normal SMS messages.

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