James Kirk

Option 2. It’s the most robust. You’ll never lose it (provided you have the redundancy), you can use it offline, you can transfer it using a USB pen, it’s available in all platforms, including web. I’ve been using this for 8+ years, on my phone, desktop, laptop, company computer, etc. I store it on a personal cloud (and on each machine, of course, by syncing).

Yes, web apps, yes. But to confirm online payments you usually need the app. That’s true at least of N26.

May be. I have no idea.

I have no actual idea, but I don’t think so as it’s an “online” bank where you set up the account on the mobile app. There’s no other way to set up an account with this bank.

I can’t do online shopping without accepting a notification on my bank’s app. That’s not “social media and chat apps”.