Yes.. It is near impossible to change a phone number for most accounts. My US banks would not allow for the same amount of digits as my European phone number had. Wiring money from my own accounts wanted to send a 4 digit pin to my US number which would not work in France. You seem to imply that in 2023, we are not capable of making a banking application accept more than one format of phone number. And the fact that google cannot figure out I live in another country (and I have to enter a bank card with address in an app store or else I am blocked from certain apps) is laughable.