Note really an issue, I've never had one. Banking is mostly on paper, sometimes I phone them up. Not bothered with messengers, travelling in the EU, there was

Note really an issue, I've never had one. Banking is mostly on paper, sometimes I phone them up. Not bothered with messengers, travelling in the EU, there was always a paper-form alternative for that. The main upside is the looks of disbelief (and occasional panic) when you respond "don't have one" to a demand for mobile number :-)