On line banking is OK. Just never allow your computer to auto save your login details.
On line banking via a smart phone I do not do. However what the bank is doing is adding an other layer of protection for your account. This is a good thing. You do not have to have the banking app on your phone. As you have said a text will suffice and do the job.
Perhaps you could make sure that you do not need to make any transfers while you are away.
I am sure you could have access to a computer on board if needed. Just remember not to save any login details on that PC.
Smart phones are good provided you learn how to use them and make them as secure as you can. Install a good antivirus. Only install apps that you need and always check what permissions the apps want access to.
Talk to your bank about this as well as they often have good advice on the safe use of banking on your phone.
Don’t be a dinosaur. Educate yourself and be safe.
Joss
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