The worst way is how my bank is currently doing it, they require SMS authentification but do not allow two phones at the same time, and to switch it on you have

The worst way is how my bank is currently doing it, they require SMS authentification but do not allow two phones at the same time, and to switch it on you have to sign something and wait for a letter by snail mail. Now I'm stuck with a decade old phone just to confirm my online transactions, and if it breaks I'm out of luck. The alternative would be to not have working online banking for one or two weeks, which I cannot afford at the moment (thanks to Covid).