Poor Banking App & Support

I recently decided to upgrade my iPhone. FNB essentially forces it's clients to use its smartphone App to complement on-line banking. Whilst this is a prudent security initiative the system has either been inadequately thought through or the Bank's clients and support staff are ill informed. Having restored the backup from my old phone to the new one the FNB banking App would no longer work. This is a reasonable security precaution and the App requests you to input the number of a “Cheque, Debit or Credit Card linked to your account” followed by the PIN number for the selected card. I followed this request but the App simply returned me to the home screen and would not function. After 4 hours discussing the problem with several digital banking support staff all of whom gave different answers it turned out that the App's requirement is INCORRECT for business accounts. I suspect that many small businesses allow more than one person to access the company's internet banking, but what we are not told is that a new device can only be registered by the "administrator" of the account and it is not abundantly clear who that might be. The App will only work if the Administrator's card is used to register it on a new phone. In this instance my partner proved to be the Administrator and she was on holiday in the bush! I was lucky enough to be able to contact her whilst within cell phone range and could get her to send me the card details and PIN (a potential security breach, but needs must!). Entering these details enabled me to register the App on my phone. HOWEVER, when trying to make a payment the necessary approval notification was NOT sent to my phone. A further hour on the phone identified that Internet banking was registered to an iPad and whoever has the iPad must approve the new iPhone to receive the required notifications. We eventually traced the iPad as belonging to my partner's husband, also a partner in the business and the iPad was locked in their safe at home. Now my poor supplier cannot be paid. Fortunately my partners were only away for the weekend, but the FNB system begs the question as to what would happen if they were away in the bush for a month as happened last year or worse, they should die. There may be alternative solutions, but FNB's support staff are unable to provide answers and clients seem to be unaware of the process so it could happen to any business at any time. We are a small business and cannot afford the time wastage and, more importantly the disruption to our business and will therefore need to find an alternative bank.