Choose a different bank, then. I've gradually stopped using the phone apps, not really by design but just because I don't often feel like that works better than the real web site. Both USAA and my local credit union have perfectly good desktop web sites.
replyYes you want a phone for SMS to log on to the web site. But I avoid banking apps on a phone. Dont need them.
replyIn the EU the app is often mandatory, no SMS fallback
replySomebody downvoted you but I agree: I must use a banking app to either enter a code or use my fingerprint to authorize operations, login included. No bank is using SMSes anymore here (Italy.)
replySMS are an American thing. Only credit card companies are using them and they are American.
I never do Banking on my phone and never had an issue.
replyI've never really experienced that. Which banks?
replyBelfius for example of you have ever used itsme with them. Also Digi (a mobile phone company in Belgium) since it uses itsme for authentication. Itsme is strictly an Android and iOS app.
replyMore info on this is going to come out, but banks are going through hell right now with AI agents accessing user accounts and even firing off transfers and other accounts activity, and their legal teams are losing their minds.
replySo a bank shutting down a website right now and the "forcing" some Google/Apple "verification" makes a lot of sense in that context.