UK here: Barclays don't require the app. You can still use the website or even telephone banking with a real agent. They do give you the chip and pin reader, t

UK here: Barclays don't require the app. You can still use the website or even telephone banking with a real agent. They do give you the chip and pin reader, the same as the one used in branches which works well. Santander do seem to use a mobile for 2FA but only to send a text message and you can still use the website. I rarely have to do more than 1 banking transaction / week so I just use the website, from home. Not too bothered about having another app, especially with access to my bank account.