Quote Originally Posted by _Cathy_ View Post
How is it phone dependent? I get a mobile alert for movements in my bank account.
I have to login to my app before I get to do any transactions. Even without my sim, I can log in to my app. Conversely, even if crooks have my sim, but not my login details, they can't access my account. This is with BPI.

For BDO, aside from needing login details, they will also send you an OTP in order to log in. But if you only have an OTP but no login details, you still cant log in.