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This. And most importantly for me, Skype allowed to call using my numbers (for bank it will look like i am calling from my cell). Any other voip service would just put random number which will trigger additional security checks.

Would love to hear about service doing that

My banks mobile app has a Call Helpdesk button, which simply dials the support number with ',,,<long random number>' appended. That gets you into the fast-track queue and they don't need to ask any security questions as they know it's you. They don't look at the dialing number at all.

Another option you could look into is a mobile VoIP app like Acrobits Softphone or Groundwire with a VoIP SIP provider like voip.ms. The apps are a one-time purchase (~$6.99-9.99 last time I checked). Toll-free calls are free and the airtime from voip.ms is incredibly cheap (local calls start at $0.01/min).

It's not free but you can try the Burner app.

Google Voice is pretty cheap for that use case.

Not available in Canada sadly.

if you don't call 800-numbers often, it's a tiny economic cost...