Useless without the app

<p>FNB basically restricts your entire bank account when you don't have the app! I needed to transfer money from my FNB account to another account to get myself food because I forgot my code at home! So then on internet banking it tells me to open my banking app to verify my payment, THEN WHAT THE HELL IS THE POINT TO INTERNET BANKING, I COULD JUST USE MY PHONE!!! That wasn't the big problem, although it is one of my points! The problem is I had to send my phone in for repairs so I didn't have my phone on me! There is an optio to call the call centre but without my card they can't help me either! So tell me is this not HORRIFYING service or what? Because of FNB's absolute lack of a back up plan I couldn't use MY MONEY to get myself lunch... REALLY????</p>