I am not American you weird internet man. In the rest of the world and specifically my part of it - Europe, all banks require their app, there is no way around it, and there is no way to use foreign bank accounts or not have a bank account at all etc etc.

I wrote about all this before, including ITT.

Why the fuck do I have to explain this over and over like you was born yesterday?

Stop assuming your country’s experience is at all representative of the rest of the world, because evidently - it is not.