I am a Canadian on Lucky (Bell) and I am having this same issue. I can only receive photos when data is turned on and if data is turned on my phone just eats all of my data, despite having an excellent wifi connection. I didn’t have this issue at all on my previous phone on android 10, the pictures were always just there. I turned the setting to view MMS without data on, but with that on and data off the pictures just endlessly try to load. I have to have that off and use data to view them. And now that it used all my data in three days, I can’t view them at all unless I buy more data.
It also gives me a warning that every number is a premium SMS number for some reason.
I am using Sim 2 because Sim 1 just wouldn’t work at all.
I just got this as a replacement for my previous, which seems to have been a lemon. I can’t tell if this one is also a lemon, if it is from updating to android 11, or if it is because the Sim 1 slot is non-functional.
I am not an advanced user and I am finding this phone so endlessly frustrating I would like to throw it off a building, so sorry if I am being short.