A lot of banks in the UK have mobile-app-exclusive features / services. I imagine this is because of security, but it also makes little sense. If you don't have a smartphone it is about 5x harder to do anything online-banking related here. I remember when I went camping a bit ago my phone died and I was unable to unfreeze my card.

Also, cool username =)

> I remember when I went camping a bit ago my phone died and I was unable to unfreeze my card.

Not even over the phone? I'd be furious. Cell phones die, get lost, get stolen, get run over, etc. I'd personally hate to feel so entirely dependent on my phone being there 100% of the time. I don't even always carry mine with me.