I always have a backup Android device setup as per my standard operating environment for this very reason. I'm actually due to setup another one as my previous

I always have a backup Android device setup as per my standard operating environment for this very reason. I'm actually due to setup another one as my previous backup went to my daughter for her birthday recently (but it still has my SOE hidden on it). But also, I don't use my phone for banking because I still don't trust mobile ecosystems. I use a dedicated VM that requires a decryption password to boot up. But yeah, banks are pushing for app usage rather than web interface, which is ironic given that my bank still only has SMS 2FA, not token-based. So why would I trust their app to be anywhere near secure in an insecure ecosystem if they can't even support proper multi-factor authentication that's been standard for, what, 5 years already?