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2fa through SMS? You don't need a smartphone for that.

I don't know about Ireland, but in Portugal most banks have a Web app and not just a mobile app.

Sorry I should have been clearer - the banking app is Monzo and they don’t have a web app for mobile or desktop

If you're using monzo I'm guessing UK - pretty much all the banks other than monzo, starling, revolut are _fine_