My experience is very much to the contrary. My phone with a Microsoft Authenticator app died and I still cannot access my MS account. In a similar way, it took

My experience is very much to the contrary. My phone with a Microsoft Authenticator app died and I still cannot access my MS account. In a similar way, it took me some time to get my smartbanking apps running again. If it was just SMS, I would move the SIM card elsewhere and hey-presto.