My bank is changing my MFA from SMS to mobile banking auth with each and every mobile banking app update. I tried to explain them to not do so, as when I break, lose my phone, it's quite easy to use a spare or get even a new sim card with the same number, but for anything else (buying a new phone, changing limits for cash withdrawal for a new phone, buying a ticket for public transport to a physical phone shop) I need the MFA code. Which I don't have of course. And surely I don't remember the unique 9 digit random identifier that is written on my bank contract to access mobile banking hotline. Shitlock.