On the topic of banks: I have an account with an Italian bank that is also one of the biggest European banks, when I switched phone they asked me for (iirc) 3

On the topic of banks: I have an account with an Italian bank that is also one of the biggest European banks, when I switched phone they asked me for (iirc) 3 different codes plus an additional sms otp, after that they first disconnected my old phone from the account and then they asked for my debit card PIN which I didn't remember because my card was replaced less than a month ago. I was then locked out from my account and I still didn't manage to get back in. To be fair I didn't even try to call their customer support, I just drained the account using Apple Pay which luckily was still working.