I have a virtual phone number to receive SMS from all my banks and other services. Funny thing, their phone app doesn't work reliably, but their Windows app doe

I have a virtual phone number to receive SMS from all my banks and other services. Funny thing, their phone app doesn't work reliably, but their Windows app does. So I use desktop to log into all my accounts. If I lose both phone and notebook, it's easy to recover, I only need virtual phone username and password.