It was a little frustrating, but probably not quite as bad as I made out in my post - That's the beauty of this being my blog, I can write whatever I like, add a little poetic license, and have a bit of fun. But yeah, it was mildly annoying.
I'll be doing a factory reset on my S20 and throwing it in the cupboard for a spare. I don't think I'd be keen to keep banking apps on it. It sounds like your bank has some next-level security though, it's not even that bad here.