[microtonal]

I don't think you NEED to open your online banking on your phone every day. Just use cash and cards.

That's an overgeneralization. In many countries online payments require approval through a smartphone. There are also banks that barely have a mobile banking website (e.g. Bunq last time I had it).

[bilekas]

Yup. Which I like, but not the lock in. Anything over 100€ I have set to manually approve by the app. Also if I need to quickly transfer some cash to my current account, who I do regularly enough, I'm a bit out of luck.

I've not heard of a bank in the last while that doesn't have the restrictions, at least in Ireland and Italy.