That’s why I hate banking apps. It’s 5-factor authentication for me and it’s seriously annoying.

The factors for logging into the internet banking are:

1. Having a password manager - Something I have
2. Remembering a master password - Something I know
3. Having a banking app on the phone (🤮) - Something I have
4. Using a password to log in to a user that has the app installed (I have a GrapheneOS and the banking app requires Gurgle services, so the services and apps must be separated) - Something I know
5. Using a PIN inside the banking app to confirm the login - Something I know