If your phone is ever ****** - there is NO OTHER way to access account!

The young man that helped me open an account few years back, was brilliant and helpful. It took me a while to get used to not using internet banking, but got used to it and comfortable - feel safe and at ease. Then my phone gets ******! As a Capitec client - you are then royally done for.... So I call the customer care, after trying to connect to internet banking - they inform me that I must activate it via the app...I just explained my phoned was ******...really...then she tells me only way to activate it then is to go into the bank. Fine, so today I went to purchase a phone after insurance paid out, went into the bank prior getting the phone, knowing it will take a day to activate sim swap, to ask for access for internet banking because my phone was ******...this woman - looks like she is listening - tells me after explaining why I need internet banking because my phone was ****** - tells me I can only do it via the app....or pay R129 but keep in mind Capitec is going to discontinue internet banking. So why did the consultant I spoke to sending me into the bank tell me this...and they could not activate it without paying for something which is going to end soon. So - if you are a Capitec client, their app is brilliant, but if your phone is ****** - its almost useless having an account because there is NO OTHER way to access your account.