The requirement to access the App only with a passcode is excessive, especially considering the £90 fee for a replacement if it's forgotten. This level of security seems unnecessary when other banks provide sufficient protection without such drastic measures. Had I known that forgetting my passcode would lead to being completely locked out of my savings and current account, I would not have signed up. Now, I'm unable to pay bills or buy food until I get a new passcode. This situation is extreme and frustrating. As a result, the company risks losing not just my savings but also my family’s business, which could have been worth £150k. Other banks seem to have a better grasp of customer security without these issues.
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