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With banking, a lot of it is notifications when money is transacted on your account.

One of my banks (Starling) is app only.

Some F2A I've used only operate using notifications, which while is a bad design, requires notifications to work

Thanks for the reply - makes sense. Just in the interest of sharing (not trying to make an argument here): I tried the "app only" bank account thing and didn't like it. My "fancy fintech bank account" lasted less than a year before I closed it, I think. As for checking my balance and transfers, I only do that every few weeks when I fire up my desktop banking software in order to pull all bank statements and archive them away. I don't think I've ever come across a 2FA thing that was app only (if I did, I probably would just refuse to use the service).

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