Brainless banking

Nedbank's banking is utterly brainless.

I have a business account with them and it is now asking for a profile number, PIN and password. I have never had a PIN and I don't have a card for the account.

I contacted a consultant who said that I need to load the Nedbank app on my phone. I don't want a banking app on my phone since it is a security risk. I told them that I don't have a card anyway so they told me that the only way that I can resolve this is to go into the branch.

WHY?!